Keiya Baidya

• Conducting thorough reviews of analysts' work product, including Enhanced Due Diligence (EDD) reports, transaction monitoring investigations, and Suspicious Matter/Activity Reports (SMRs/SARs). This involves ensuring accuracy, completeness, adherence to policy, and identification of all relevant financial crime risks.

Coaching & Training:

• Mentoring and coaching analysts, providing constructive feedback on complex financial crime investigations, analysis, and report writing, preparing reviewed outputs for senior management approval.
• Developed and delivered targeted training sessions to uplift team capabilities and ensure consistent application of financial crime controls and regulatory requirements.

Stakeholder Management:

• Acting as a key point of contact and subject matter expert for internal stakeholders, including other sales location(CDD&E) teams across different regions (e.g., Asia, UK, US).
• Collaborating effectively with Relationship Managers to provide financial crime guidance, address queries related to correspondent banking relationships, and ensure a balance between risk management and business objectives.
• Liaising with other critical internal departments such as Quality Control, Advisory and Financial Crime Risk Mitigation.

Managing Reverse KYC Enquiries & Due Diligence Requests:

• Acting as the primary point of contact for external financial institutions (e.g., respondent banks, other correspondent banks) conducting due diligence on NAB (Reverse KYC).
• Coordinating and providing comprehensive, accurate, and timely responses to complex KYC, AML/CTF, and sanctions-related queries from other banks, demonstrating the strength of our internal controls and compliance framework.
• Collaborating extensively with diverse internal stakeholders to gather necessary information and validate responses for Reverse KYC requests.
• Regulatory & Reputation Management :Contributing to the bank's strong reputation and regulatory standing by ensuring transparency, accuracy, and efficiency in responding to external due diligence requests, thereby fostering trust with counterparty financial institutions.

Quality Assurance & Improvement

• Collaborating closely with the Quality Control (QC) team to identify knowledge gaps, common errors, and areas for improvement in analyst performance, within correspondent banking due diligence and investigations.
• Developing and implementing targeted quality improvement initiatives based on QC findings to enhance accuracy, consistency, and compliance across the team's output.

• Conducted comprehensive due diligence reviews (KYC/CDD/ECDD) on financial institutions, assessing their financial crime risks, business activities, and geographic exposure.
• Performed adverse media, sanctions, and Politically Exposed Person (PEP) screening for financial institution clients.
• Reviewed and analyzed a wide range of documentation for financial institution clients, including licenses, financial statements, ownership structures, and AML/CTF policies.
• Collaborated directly with clients and Relationship Managers to collect missing information and clarify details related to due diligence requirements.
• Assessed the adequacy and effectiveness of financial crime controls implemented by correspondent banking clients.
• Drafted detailed due diligence reports and risk assessments, outlining findings, identifying red flags, and recommending risk mitigation strategies for senior management approval.
• Maintained accurate and up-to-date client files and documentation within the bank's KYC systems.
• Ensured adherence to internal policies and procedures, as well as relevant AML/CTF regulations and sanctions requirements.
• Assisted in the ongoing monitoring of correspondent banking relationships to detect changes in risk profiles or unusual activities.

• Analyzed and identified inefficiencies within Transaction Monitoring operational processes to enhance overall effectiveness and compliance.
• Collaborated cross-functionally to develop and implement process improvements, automation initiatives, and system enhancements for transaction monitoring.
• Contributed to the design and refinement of operational workflows, leading to increased efficiency and reduced manual effort in alert management and investigation.
• Participated in project-based initiatives aimed at optimizing the transaction monitoring system and related operational frameworks.
• Facilitated workshops and discussions with operational teams to gather feedback and foster a culture of continuous improvement.

• Investigated and analyzed daily transaction monitoring alerts generated by automated systems for potential signs of money laundering, terrorist financing, and other financial crimes.
• Conducted thorough research and open-source intelligence gathering to assess the legitimacy and context of flagged transactions and customer activity.
• Identified and escalated suspicious patterns and anomalies in transactional data, ensuring adherence to internal policies and regulatory requirements (e.g., AML/CTF laws, sanctions).
• Prepared detailed investigative narratives and supporting documentation for alerts, clearly outlining findings and rationale for decision-making.
• Maintained accurate and complete records of all investigations and dispositions within the case management system.

• Managed a portfolio of low and medium-risk customer accounts, conducting periodic Know Your Customer (KYC) refreshes in line with regulatory requirements and internal policies.
• Initiated outgoing and handled incoming calls with customers to verify and update KYC documentation and personal/business details.
• Performed comprehensive reviews of customer profiles, including identification verification, and source of wealth/funds.
• Identified and escalated potential discrepancies or red flags identified during the refresh process to senior analysts or compliance teams.
• Ensured the accuracy and completeness of customer data in the bank's systems, maintaining meticulous records of all interactions and documentation.
• Collaborated with internal stakeholders such as Relationship Managers and Bankers to facilitate the smooth completion of customer refreshes.
• Adhered strictly to data privacy regulations and internal confidentiality protocols during all customer interactions.

• Managed a high volume of inbound and outbound calls to resolve outstanding debts and facilitate payment.
• Utilized strong communication and active listening skills to understand debtor circumstances and negotiate equitable payment solutions.
• Adhered strictly to legal and compliance regulations governing debt collection practices to ensure ethical and professional conduct.
• Leveraged skip tracing techniques (where applicable and as part of locating debtors) to establish contact with account holders.
• Identified and escalated complex or high-risk cases to senior management or legal teams as required.
• Contributed to departmental efficiency by meticulously maintaining client records and updating account statuses.
• Exercised empathy and professionalism in challenging customer interactions, aiming for amicable resolutions.
• Analyzed account histories and payment patterns to determine the most effective collection strategies.