Kshitiz M.

With almost a decade of hands-on experience in fintech and cross-border payments, combined with a deep-rooted passion for Digital Payment System and Regtech, I have been equipped with a comprehensive understanding of Operational and Regulatory compliance which help organizations identify suspicious and fraud transactions and keep organizations compliant with the regulatory authorities.While I may not possess a traditional bachelor’s degree, my practical expertise make me a strong candidate for any roles related to operation and compliance. Here’s what I bring to the table: 1. Transaction Monitoring - Demonstrated expertise in leveraging automated tools (LexisNexis, Shufti Pro, Ideology, SIFT Science) to effectively identify suspicious transactions and patterns, with a keen eye for detail. - Skilled in developing and refining transaction monitoring rules to optimize detection accuracy, and experienced in handling complex cases involving cross-border transactions and emerging payment methods. 2. Global Compliance Screening - Comprehensive knowledge of OFAC sanctions, adverse media checks, and PEP screening procedures.Ability to stay updated on evolving regulatory landscapes and emerging risks. - Proficient in conducting thorough due diligence checks on individuals, entities, and beneficial owners and also experienced in managing screening processes for large-scale customer bases. 3. Customer Due Diligence and Onboarding - Expertise in onboarding both individual and business customers and conducting thorough due diligence assessments, including customer identification, verification of identity documents, and assessment of beneficial ownership. - Skilled in evaluating customer risk profiles and implementing appropriate risk mitigation measures, such as enhanced due diligence for high-risk customers or jurisdictions. 4. Risk Assessment and Mitigation - Ability to conduct comprehensive risk assessments, identifying and addressing vulnerabilities in AML/CFT programs, including the identification and mitigation of fraud transactions. - Proficient in developing and implementing risk-based monitoring programs and evaluating the effectiveness of risk mitigation controls, with a focus on preventing and detecting fraud. - Experienced in making recommendations for improvement and enhancing the overall effectiveness of the AML/CFT program, including the implementation of fraud prevention measures. 5. Compliance Enhancement - Expertise in designing, implementing, and continuously improving compliance programs by adapting to evolving regulatory requirements and industry best practices. - Proficient in conducting compliance reviews and assessments along with developing and implementing compliance policies, procedures, and training materials. 6. Training and Awareness - Designed and delivered effective training programs on AML/CFT regulations, tailored to the specific needs of different audiences within the organization. - Fostered a proactive compliance culture through ongoing training, awareness campaigns, and communication initiatives, ensuring that employees are well-informed and motivated to adhere to compliance standards. 7. Client Call Handling and Training - Provided exceptional customer service by effectively handling client inquiries and providing guidance on compliance matters. - Delivered informative training sessions to clients on compliance best practices, empowering them to understand and implement effective compliance measures. - Provided comprehensive training on the systems and dashboard functions used for compliance monitoring and reporting, enabling clients to utilize the tools effectively and maximize their benefits. 8. Chargeback Handling and Dispute Resolution - Managed chargeback disputes, including investigating claims, gathering evidence, and negotiating with card issuers and partner banks to resolve issues efficiently. - Proficient in applying relevant regulations and industry standards to assess the validity of chargeback claims and determine appropriate courses of action. Thank You!