Atish Doiphode
AML / Transaction Monitoring Analyst | Financial Crime Compliance
Pune
Summary
AML and Financial Crime Compliance professional with 4 years of experience in Transaction Monitoring, Fraud Investigation, KYC/EDD, and Sanctions Screening within highly regulated financial institutions. Skilled in investigating alerts, analyzing transactional behavior, performing risk assessments, and preparing Suspicious Activity Reports (SARs). Proficient in sanctions and PEP screening, adverse media research, and financial crime investigation tools to ensure regulatory compliance and mitigate risks. Strong collaborator with experience in process improvement, audit support, and cross-functional compliance initiatives.
Overview
4
4
years of professional experience
3
3
Certifications
Work History
Senior Process Associate
Guidehouse
12.2024 - 12.2025
- Performed AML transaction monitoring reviews by analyzing client profiles, account activity, and transactional behavior to identify potential suspicious activity and financial crime risks.
- Investigated system-generated alerts and unusual transaction patterns, including high-value transfers, rapid movement of funds, and cross-border transactions.
- Conducted enhanced due diligence (EDD) for high-risk customers such as PEPs, offshore entities, and complex corporate structures, assessing transactional behavior against expected activity.
- Reviewed source of funds (SOF) and source of wealth (SOW) documentation to validate the legitimacy of transactions and detect inconsistencies.
- Performed adverse media checks, PEP screening, and sanctions screening using tools such as World-Check, LexisNexis, and RDC to support alert investigations.
- Analyzed transaction flows, account activity, and customer risk profiles to identify potential money laundering typologies such as structuring, layering, and shell company activity.
- Escalated suspicious transactions and red flags to senior compliance teams for further investigation and potential Suspicious Activity Report (SAR) filing.
- Prepared detailed case narratives and investigation reports documenting findings, rationale, and supporting evidence for compliance review and regulatory requirements.
- Collaborated with compliance, investigations, and front-office teams to resolve discrepancies and obtain additional documentation during transaction investigations.
- Maintained high accuracy and adherence to AML policies, regulatory standards (FATF, FinCEN), and internal SLAs during alert review and case management.
- Supported internal audits and regulatory reviews by providing well-documented investigation files and clear audit trails.
- Contributed to process improvement initiatives aimed at enhancing transaction monitoring workflows and reducing false-positive alerts.
Process Developer
Genpact
03.2024 - 12.2024
- Conducted transaction monitoring alert reviews and financial crime investigations, analyzing customer profiles, account activity, and transactional behavior across multiple banking products including personal accounts, business accounts, checks, and international wire transfers.
- Investigated system-generated alerts and unusual transaction patterns, identifying potential indicators of money laundering, fraud, structuring, layering, and suspicious cross-border transactions.
- Performed complex AML and fraud investigations, reviewing transactional data, customer activity, and supporting documentation to determine the legitimacy of financial activity.
- Drafted and filed Suspicious Activity Reports (SARs) by preparing comprehensive narratives outlining investigation findings, suspicious patterns, and supporting evidence in accordance with regulatory requirements.
- Prepared detailed case narratives and investigation summaries within the Financial Crime Risk Management (FCRM) system, documenting analysis, evidence, and final alert disposition.
- Utilized AML and screening tools such as LexisNexis and World-Check to conduct adverse media research, PEP screening, sanctions checks, and background investigations during alert reviews.
- Assessed customer AML/KYC risk profiles and performed independent research to validate risk classifications and identify potential financial crime exposure.
- Analyzed transaction flows and account behavior to identify fraud typologies such as account takeover, unauthorized transactions, mule account activity, and payment fraud.
- Collaborated with fraud prevention, compliance, and investigation teams to escalate high-risk alerts, suspicious transactions, and confirmed fraud cases for further action.
- Prepared due diligence commentary and investigation reports evaluating transaction activity across multiple banking channels to detect irregularities and suspicious behavior.
- Maintained accurate case documentation and audit trails, ensuring compliance with internal AML policies, regulatory guidelines, and established SLAs.
- Supported internal audits and regulatory reviews by providing detailed investigation records, SAR documentation, and evidence supporting case decisions.
- Contributed to process improvement initiatives by identifying trends in false-positive alerts, and recommending enhancements to transaction monitoring controls and workflows.
AML Senior Executive
Pine Labs
12.2023 - 03.2024
- Wrong profile assignment after hiring. (Chargeback, Arbitration, Pre-arbitration, card disputes, etc.)
Senior Process Associate
Accenture
09.2021 - 11.2023
- Performed transaction monitoring and sanctions screening reviews to identify potential risks related to money laundering, terrorist financing, fraud, and other financial crimes in accordance with global AML regulations.
- Reviewed system-generated alerts from transaction monitoring and sanctions screening systems, including sanctions, PEP, and watchlist alerts, to assess potential matches and determine appropriate disposition.
- Conducted name screening and list screening against global sanctions lists such as OFAC, UN, EU, and other regulatory watchlists to ensure compliance with international sanctions regulations.
- Investigated transaction monitoring and sanctions alerts by analyzing customer profiles, transactional behavior, and related party information to identify potential financial crime risks.
- Performed open-source and adverse media research to gather relevant information supporting investigations and alert reviews.
- Conducted customer due diligence (CDD) and enhanced due diligence (EDD) by reviewing documentation and verifying client information in accordance with AML and sanctions compliance policies.
- Maintained and updated KYC and AML records for existing clients, ensuring accuracy and completeness of customer risk profiles and regulatory documentation.
- Assessed potential sanctions and terrorist financing risks by evaluating transaction details, customer relationships, and geographic exposure.
- Documented investigation findings, alert analysis, and case decisions in internal systems while maintaining clear audit trails and compliance with internal policies.
- Escalated potential sanctions matches, suspicious transactions, and high-risk activities to AML and compliance teams for further investigation and regulatory reporting where required.
- Supported compliance initiatives related to AML, sanctions, and financial crime prevention within a regulated financial institution environment.
Education
B.Tech/B.E. - Civil Engineering
N. B. N. Sinhgad College of Engineering
Solapur05-2018
H.S.E - General Science With Applied Electronics
Sangameshwar College
Solapur, India 04.2001 -
S.S.C - Marathi
Sulakhe High School
Barshi01-2012
Skills
AML & Financial Crime Compliance
- Anti-Money Laundering (AML) Financial Crime Risk Management Regulatory Compliance (FATF, FinCEN, OFAC) Risk Assessment & Profiling
Transaction Monitoring & Investigations
- Transaction Monitoring Alert Review Suspicious Activity Detection Case Investigation & Alert Disposition SAR Drafting & Filing Financial Crime Typologies (Structuring, Layering, Mule Accounts)
Fraud & Sanctions
- Fraud Detection & Investigation Payment Fraud / Account Takeover Sanctions & Watchlist Screening PEP & Adverse Media Screening Terrorist Financing Risk Assessment
KYC & Due Diligence
- Customer Due Diligence (CDD) Enhanced Due Diligence (EDD) KYC Reviews & Client Risk Classification Source of Funds (SOF) & Source of Wealth (SOW) Analysis
Tools & Systems
- World-Check LexisNexis RDC FCRM / Transaction Monitoring Systems
Professional Skills
- Case Documentation & Investigation Reporting Regulatory Reporting Open-Source Intelligence (OSINT) Research Cross-Functional Collaboration Process Improvement
Certification
Advanced Excel Formulas
AWARDS
Recognition, Received Guidehouse Gem Award for excellence in Quality and delivery for the EDD project.
Timeline
Senior Process Associate
Guidehouse
12.2024 - 12.2025
Process Developer
Genpact
03.2024 - 12.2024
AML Senior Executive
Pine Labs
12.2023 - 03.2024
Senior Process Associate
Accenture
09.2021 - 11.2023
H.S.E - General Science With Applied Electronics
Sangameshwar College
04.2001 -
B.Tech/B.E. - Civil Engineering
N. B. N. Sinhgad College of Engineering
S.S.C - Marathi
Sulakhe High School