Manpreet Kaur
Toronto
Summary
Delivered over eight years of expertise in KYC, AML, and ATF due diligence across global banking settings, executing Enhanced Due Diligence (EDD), conducting risk assessments, and ensuring regulatory compliance with the proven track record in document vetting and quality assurance, ensuring compliance and enhancing operational efficiency.
- Demonstrated a strong record of investigating high-risk customers, dissecting complex ownership and control structures, and detecting suspicious activity in line with AML standards. Executed KYC refresh and remediation work, and conducted sanctions-related investigations across APAC, EMEA, and the US.
- Assess transaction behaviors for financial crime indicators, draft clear outcome reports, and translate findings into actionable recommendations.
- Generate extensive reports and deliver risk insights to leadership, covering restricted/ prohibited clients and recommending sanctions screening results and ownership analysis.
- Supervised teams of up to eight, resolved escalations, optimized daily operations, and elevated quality through coaching and performance management, improving turnaround time by 15%.
- Secured 99% customer satisfaction by reliably delivering outstanding service and dependable compliance results.
- Clear communicator with solid analytical judgment, problem-solving skills, and stakeholder management experience.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Specialist - SABA Complex Onboarding- L5
CIBC
07.2022 - Current
- Complete AML material change reviews tied to signing authorities for corporate clients across Mid-Market, Large Corporate, and Independent Business segments.
- Carry out risk-based due diligence to meet AML/KYC requirements during onboarding and ongoing maintenance.
- Identify and address documentation gaps, assess clients against restricted and prohibited criteria prior to onboarding, and provide clear feedback to ensure compliance with AML guidelines across complex business structures.
- Strong understanding of diverse business structures, including corporations, limited and general partnerships, unincorporated associations, trusts, joint ventures, and government entities. Well-versed in CIBC documentation requirements for each structure, ensuring adherence to Anti-Money Laundering (AML) regulations.
- Probe exceptions in client records, identify compliance gaps, and escalate complex items to the appropriate stakeholders for resolution.
- Collaborate with internal teams to resolve AML issues while achieving onboarding SLA targets.
- Update AML compliance records using ECIF, COINS, EDTS, ECM, MIF, TeraNet, Salesforce and Client Connect systems.
- Identify process improvement opportunities and recommend enhancements to strengthen compliance controls and operations.
Senior Associate
EY
11.2021 - 03.2022
- Led KYC/AML due diligence processes in accordance with global audit and regulatory standards.
- Verified financial data and account balances to ensure accuracy and compliance with rules.
- Performed quality assurance reviews on team deliverables to validate compliance with AML/KYC policies and procedures.
- Prepared and presented reports using Tableau and PowerPoint, delivering insights to stakeholders and management.
KYC Analyst
Accenture – Bank of America
08.2020 - 05.2021
- Conducted Enhanced Due Diligence (EDD) and risk assessments for high-risk clients across APAC, EMEA, and US jurisdictions.
- Investigated irregular activities and transaction behaviors, documenting findings to support compliance decisions.
- Performed sanctions screening, PEP identification, and adverse media checks to assess client risk profiles.
- Managed KYC remediation and refresh processes, guaranteeing completeness and accuracy of client data.
- Reviewed team outputs to ensure compliance with AML/KYC norms and regulatory requirements.
- Monitored transactions to ensure adherence to AML guidelines and regulatory requirements.
Deputy Manager
HDFC Bank
01.2019 - 06.2019
- Conducted transaction monitoring to detect suspicious or structured activities across client accounts.
- Evaluated customer profiles and transaction behaviors to discover potential AML risks.
- Ensured compliance with KYC requirements and compliance regulations through detailed documentation reviews.
Assistant Manager
Thomas Cook India Limited
09.2014 - 12.2018
- Performed AML/KYC due diligence for foreign exchange clients, guaranteeing adherence to regulatory requirements.
- Analyzed customer transactions to identify unusual or suspicious patterns and established risk profiles.
- Maintained accurate documentation and ensured adherence to compliance policies and procedures.
Education
Master of Commerce - Commerce
Jamia University
11-2016
Bachelor of Commerce - Commerce
Delhi University
05-2014
Skills
- KYC and AML processes: Proficient in client onboarding, lifecycle updates, investigating client activity, remediating flagged accounts, accurate data management, transaction monitoring, and risk assessment
- Applications: Skilled in COINS (client information system), ECIF (entity client information), Client Connect (client relationship tool), MIF (master information file), and TeraNet (ownership and land records platform), SBFCA, EDTS, ECM, and Salesforce
- Team Management: Leadership, escalation handling, risk and resource identification, and timesheet oversight
- Report Creation: Proficient in PowerPoint, Excel, and Tableau
- Utility Tools: Experienced with Office 365 (Word, Excel, Outlook, PowerPoint, Teams) and Slack
- Operating System: Windows
Accomplishments
Processed full-cycle due diligence for 500+ client files each year, achieved 100% accuracy, and reduced compliance escalations by 25%
Awards
Received a total of 2,000 Purpose Awards in 2024, including 500 in January and 250 each month from July through December.
Languages
English
Full Professional
Hindi
Native or Bilingual
Punjabi
Native or Bilingual
Certification
- Anti-Money Laundering Principles.
- Know Your Customer & Customer Due Diligence Training.
- Introduction to Anti-Money Laundering Regulations.
- Pursuing CAMS
Timeline
Specialist - SABA Complex Onboarding- L5
CIBC
07.2022 - Current
Senior Associate
EY
11.2021 - 03.2022
KYC Analyst
Accenture – Bank of America
08.2020 - 05.2021
Deputy Manager
HDFC Bank
01.2019 - 06.2019
Assistant Manager
Thomas Cook India Limited
09.2014 - 12.2018
Master of Commerce - Commerce
Jamia University
Bachelor of Commerce - Commerce
Delhi University