Sudipta Debnath
Toronto,Canada
Overview
3
3
years of professional experience
2
2
Certification
Work History
KYC Data Analyst
BMO Bank of Montreal
06.2025 - Current
- Analyzed complex datasets to identify trends and actionable insights for business decision-making.
- Collaborated with cross-functional teams as per project needs
- Created data visualizations using MS Office tools to present findings to stakeholders effectively.
- Conducted quality assurance checks on data sets to validate integrity and reliability of reports.
- Produced weekly reports using advanced Excel spreadsheet functions.
- Actioned 25 Cases a day with other ad-hoc based job functions.
AML ANALYST
Toronto-Dominion Bank
05.2023 - 05.2025
- Two years of work experience in Enhanced Due Diligence and FI team within FIU (Financial Intelligence Unit)
- End-to-end knowledge on AML-ATF, HRCI, PEP, HR/EDD-FIU investigations including RGS factors for filing STRs - RTC (Request To Close) & NFA (No further Action)
- Conducted thorough investigations on clients' (Business and Individual) suspicious transactions using public sources and approved third-party sources such as RDC, World Check, Factiva, ICIJ Database to ensure compliance with AML regulations
- KYC due diligence searches, reviewing existing client info, obtaining public documents, and initiating outreach (RFI) for outstanding documents, ensuring they are gathered timely to mitigate potential risks associated with high-risk customers
- Investigate ownership structure of a business entity to identify beneficial relationships, ownership control percentage within stakeholders or Power of attorney authority. Classify entities based on ownership status - Canadian government-owned, private incorporation, proprietorship, publicly listed, Non-Profit Charity etc.
- Producing high-quality work preparing STR narrative & STR Filings, Transaction Tracker file, Investigation Document and Regulatory Reports etc in line with internal QC and regulatory expectations.
- Ensure the day-to-day reports are timely completed; 15 cases per week (3 cases/daily) submission rate
- Review and remediate work of other analysts on ad-hoc basis to meet project deadlines.
- QC reviewer and shadowee to review works for new on-boards as per project needs
- Provided training to colleagues on current AML regulations, enhancing their understanding of compliance requirements.
- Provide supervisors weekly updates on meeting targets and inform possible roadblocks or production anomalies
- Monitor the progress of the workflow on Oracle CRR project management tool
- Maintain and update project trackers across different teams using systems such as MS Excel, Oracle, STRDatabase, SAS
- Utilized advanced analytical tools and softwares with hands-on experience in AML ERP and CRM systems such as Oracle, CRR, SAS, HOST, Certapay, RDC, C3, S3,WebIr, Intelitrics, WOML, LCTR, Carma Credit, PESA, PEGA, World Check, Factiva
- Understanding patterns for suspicious transactions, TM & UTR alerts to make informed case decisions
- Background checks for PEP (Politically Exposed Person) screening
- Responsible for collecting and review database and RFI if required with Bank procedures
- Escalate respective departments if KYC documentation appears to be duplicate, forged or fraudulent
- Ensure follow-up and collaboration of critical issues within stakeholders
- Maintained up-to-date knowledge about emerging trends in financial crime, sharing insights with team members for continuous improvement initiatives.
- Enhanced team collaboration with regular communication, sharing best practices, and providing feedback on performance.
AML INVESTIGATOR
CIBC Bank
09.2022 - 11.2022
- Working with AML ERP and CRM systems including Certapay, FCRM, LCTR, PRM, Postedge, Envoy, Actimize, Hunter, Carm, Titan, COINS, ECIF
- HR/EDD-FIU operational experience regarding FINTRAC guidance on ML/TF indicators, PEP screening & operational alerts (Protect, Shadow, Athena, Chameleon)
- Looking into suspicious TM alerts within the review period and extending it if required to make informed case decisions based on KYC and file STRs and Demarket client if RGS (Reasonable Grounds to Suspect) is met
- End-to-end workflow from preparing case review file to case presentation to line manager for Case Closure/ RFI / STR / Divestiture according to CIBC risk appetite
- Writing STR/Case Closure assessments and F2R Filing to FINTRAC
- Monitor the progress of the workflow on Actimize project management tool
Education
Master of Science - Financial Analytics
Trent University
Peterborough, ON01.2022
BBA - Business Administration, Finance Major
North South University
Dhaka, Bangladesh09.2018
Skills
- Quantitative & Qualitative research skills to conclude evidence-based reports
- Proficient in MS Office Suite generating visualizations (including Pivot Charts, vlookups etc functions)
- Attention to detail & multi-task to meet constant deadlines;
- Excellent verbal and written communication skills
- Hands-on experience in Canadian Banking AML procedures, compliance & regulatory requirements
- Adept in project management tools (Actimize, Oracle, SAS) and different ERP, CRM, and Web Based Systems
- Interpersonal skills to proactively manage relationships with internal and external stakeholders working in different FIU departments
- Thrives working in teams and collaborative structures with leadership attributes
- Ability to act with required discretion (Production Orders, data security) when handling confidential information
Certification
AML360 Certificate Program by ACFCS
Certified Supply Chain Analyst (CSCA) by ISCEA
Timeline
KYC Data Analyst
BMO Bank of Montreal
06.2025 - Current
AML ANALYST
Toronto-Dominion Bank
05.2023 - 05.2025
AML INVESTIGATOR
CIBC Bank
09.2022 - 11.2022
Master of Science - Financial Analytics
Trent University
BBA - Business Administration, Finance Major
North South University