Jigyasa Azad
Ottawa,ON
Summary
Experienced AML analyst and credit underwriter with over 6 years of success in top tier financial institutions. Thrives in fast-paced working environments, consistently achieving objectives and meeting deadlines. Possesses excellent communication and leadership skills, enabling effective collaboration with teams.
Proficient in core competencies such as anti-money laundering, risk assessment, sanctions screening for individual and corporate entities, transaction analysis, and monitoring. Demonstrates strong financial analysis abilities with a solid foundation in mathematics. Skilled in reviewing financial documents and digital records to ensure accuracy and compliance.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Senior AML Analyst
Tata Consultancy Services
03.2017 - 07.2022
- Responsible for analyzing and identifying the patterns, trends and anomalous behavior in complex customer transactions and data to detect, prevent, mitigate and report suspicious activity related to money laundering and terrorist financing.
- Performed monthly risk-based review and analysis on individual and business accounts and made recommendations for further review.
- Reviewed customers which require further investigations and taken decisions based on the risk based approach.
- Investigated transactional and customer records, external data, publicly available information and other information to identify suspicious or any unusual activity.
- Documented customer’s on-going and the previous accounting activity.
- Prepared Suspicious Activity Reports (SAR) ready documents that would be sent to the NCA.
- Keen look on Sanctioned Countries, GHR’s (Group High Risk) markers and PEP’s (Politically exposed persons) and the transactions involved through them.
Credit Underwriter
HDFC Bank
09.2015 - 10.2016
- Initial screening of the files for documentation and other requirements as per policy guidelines.
- Analyzing customer profile on the basis of parameters set and finding out the credit worthiness of the customers.
- Checking CIBIL of an individual for their credit history.
- Evaluate the risk while underwriting a case to determine and quantify the amount of risk the company should take on.
- Independently conduct full and comprehensive evaluations of a variety of complex, high risk credit personal loan applications.
- Accurate implementation of policy norms and guidelines.
- Scrutinizing of KYC norms including rules regarding periodical updation of KYC.
- Accurately capture decline codes and deviation levels.
- Maintain acceptable ‘Turn Around Time’ for application submitted. Achieve daily productivity targets consistently
- Reduced risk exposure through diligent evaluation of applicants'' creditworthiness and recommending appropriate credit limits.
- Handle priority requests. Resolve queries and complaints. Give feedback on quality of application and documentation
- Improved loan approval rates by meticulously analyzing credit data and financial statements.
- Worked on software’s such as Application Processing System, Oracle FLEXCUBE and VisionPLUS
Education
MBA - Finance
Smt. Hiraben Nanavati Institute of Management
06.2015
Bachelor of Science - Statistics
Fergusson College
05.2012
Skills
- Credit Evaluation
- Documentation Review
- Risk Assessment
- Financial Statement Analysis
- Regulatory Compliance
- Suspicious Activity Reporting
- Analytical Thnking
- Advance Excel
Certification
Pursuing Investment Funds in Canada (IFC) Certification by Canadian Securities Institute (CSI)
Timeline
Senior AML Analyst
Tata Consultancy Services
03.2017 - 07.2022
Credit Underwriter
HDFC Bank
09.2015 - 10.2016
Bachelor of Science - Statistics
Fergusson College
MBA - Finance
Smt. Hiraben Nanavati Institute of Management
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