Silkvinder Kaur Buttar
Toronto,ON
Summary
An AML Analyst with experience in transaction monitoring, high-risk investigations, STR reviewing and submitting with FINTRAC and AML/ATF regulations. skilled in detecting and mitigating financial crime risks in Money laundering. Conducted enhanced due diligence (EDD) and prepared detailed investigative narratives to support regulatory audits and compliance reporting, actively pursuing ACAMS certification to strengthen expertise and stay ahead with the evolving compliance standards.
Overview
7
7
years of professional experience
Work History
Compliance Officer
ICICI Bank (Headquarters)
07.2025 - Current
- Monitored and analyzed transactional patterns across diverse banking products - including personal accounts,business accounts, lines of credit, investment account, loans and credit cards - to detect anomalies trace the source of funds and assess money laundering risks, ensuring timely escalation and reporting of suspicious transactions
- Drafted and filed Suspicious Transactions Reports (STR) ensuring all the high risk transactions were accurately documented, thoroughly analyzed and reported to FINTRAC
- Managing competing priorities in a fast-paced, high- impact environment while meeting strict deadlines and maintaining high-quality deliverables.
- Performed daily alert reviews of high-value and cross-border transactions including cheques,drafts and wire transfers by gathering and validating remittance information,third party details and payment source/destination data to ensure alignment with the customer's profile assess transaction legitimacy and mitigate potential AML risks.
- Utilized software's such as I-core, Navera Amlock, Scms to undertake day to day activities.
- Conducted intensive negative media and online research on Individuals and business to uncover involvement in illicit or wrongful activities.
- Ensured compliance with regulatory requirements through thorough policy reviews and audits.
- Developed and implemented risk assessment frameworks to identify compliance gaps.
- Collaborated with cross-functional teams to enhance internal controls and processes.
- Conducted training sessions with staff on compliance regulations and best practices.
- Organize file and maintain records of suspicious transaction reports along with due diligence results as per the Bank's policy and procedures.
Supervisor
Krispy Kreme
10.2023 - Current
- Responsible for opening the store and allocating tasks and preparing schedules of employees, cashiers.
- Ensured all the cash tills are opened with $200 and created discrepancy reports as and when required.
- Analyzed sales and operational data to identify trends, optimize processes, and meet performance targets.
- Maintained accurate and detailed records, ensuring data integrity for reporting and auditing purposes.
- Coordinated with other stores across GTA regarding inventory management, production, and profits.
- Increased the sales volume through cross-selling techniques
Inventory Manager
Melanie Lynn
04.2024 - 06.2025
- Create inventory database and setup spreadsheet in Excel to track inventory levels.
- Oversee and manage the inventory levels to ensure optimal stock levels, reducing excess and minimizing stockouts.
- Conduct regular inventory audits to verify stock accuracy, identify discrepancies, and ensure compliance with company policies and procedures.
- Coordinate with suppliers to order and replenish stock, ensuring timely deliveries and maintaining supplier relationships.
- Implement measures to minimize inventory loss due to theft, damage, or administrative errors.
- Prepare and present inventory reports to management, ensuring follow-up for compliance.
Head cashier
Zara
02.2022 - 09.2023
- Responsible for managing cash-flow of $40-50,000 daily through processing financial transactions like deposits, withdrawal, and payments.
- Perform daily cash register reconciliations, ensuring all transactions are accurately
- Handled the difficult customers with utmost respect and gave them proper resolution by communicating thoroughly and efficiently.
- Maintained the store standard all the time by running the products to where they belong and gave best in class experience to customers.
- Topped the chart in highest cross selling through iPod sales. Also ranked 1st in issuing E-Tickets 2 times across GTA with an average of 94%.
Operations Associate
IDFC first bank
06.2019 - 07.2021
- Managed end to end processing of ECS fund transfers (Electronic clearing services) mandated by third party vendors (Paytm, PayPal, Mobi Kwik) and debited/credited policies directly through payment gateway.
- Ensured all the inward remittance are cleared and payment is processed against each policy to avoid late charges.
- Resolved and processed high volume payment tickets on daily basis of around 50 cases with turnaround time of 5 days.
- Handled wire transfers are processed accurately and within the standard timeline for all the claims payment and prepared reconciliation reports to verify.
- Processed/charged the reversal charges and bounce charges to all the policies where the client is charged twice, or policyholder’s payment is declined.
- Prepared reconciliation reports to find out gaps in automation revival and movements within policies.
- Collaborated with internal and external auditors to conduct quarterly and yearly audits.
Education
Project Management
Conestoga College
04.2023
Financial Planning Services
Conestoga College
04.2022
Bachelor - Banking and Insurance
Mumbai University
06.2019
Skills
- AML investigations and KYC reviews, customer due diligence (CDD), Enhanced due diligence (EDD) risk profiling and assessment, Transaction monitoring
- Skilled in Excel data analysis tools like PivotTables, VLOOKUP,Conditional formatting
- Experienced in Excel, Word, PowerPoint, and Outlook
- Reporting and documentation skills, investigative Narrative writing, attention to detail, problem solving and deadline oriented
Languages
English
Professional Working
Hindi
Native or Bilingual
Punjabi
Native or Bilingual
Marathi
Professional Working
Timeline
Compliance Officer
ICICI Bank (Headquarters)
07.2025 - Current
Inventory Manager
Melanie Lynn
04.2024 - 06.2025
Supervisor
Krispy Kreme
10.2023 - Current
Head cashier
Zara
02.2022 - 09.2023
Operations Associate
IDFC first bank
06.2019 - 07.2021
Financial Planning Services
Conestoga College
Bachelor - Banking and Insurance
Mumbai University
Project Management
Conestoga College