Summary
Overview
Work History
Education
Skills
Accomplishments
Core Competencies
Systems Knowledge
Certification
Timeline
Generic

Krithika Subramanian

Financial Crime and Issue Management Specialist
Mumbai

Summary

Experienced Compliance and Financial Crime Specialist with 15 years of progressive expertise in trade finance operations, customer service, financial crime risk management, transaction monitoring, SAR reporting, and sanctions compliance. Currently handling Sanctions Governance and Monitoring of USD 119. 96 Billion $ value portfolio of Trade Services business. Proven track record in identifying and remediating franchise-wide regulatory issues through regulatory disclosures, procedural enhancements, and policy-level interventions. Strong analytical skills with a special interest in AI-based compliance solutions.

Overview

17
17
years of professional experience
2
2
Certifications

Work History

Financial Crime Specialist – Sanctions Compliance & Transaction Monitoring

Citigroup Inc.
06.2015 - Current
  • Conducted comprehensive transaction monitoring and SAR reporting for global trade finance transactions
  • Handling Sanctions Governance and Monitoring of USD 119. 96 Billion $ value portfolio of Trade Services business
  • Identified critical voluntary self-disclosure (VSD) issue within trade finance, highlighting two early-signed issues now recognized as major franchise-wide risks; led remediation strategy, achieving policy-level adoption globally and locally.
  • Coordinated and executed multiple corrective action plans (CAPs) and remediations, enhancing procedural controls and compliance frameworks across the bank.
  • Reviewed over 70 high-risk client profiles flagged for sanctions concerns, with Global and Collaboration and business engagement fostering a unified decision on client strategy, recommending stringent client actions and strengthened control measures for others in line with regulatory and internal procedural requirements.
  • Cross Functional Collaboration with internal Compliance testing team enabled to identified several business related issues and remediated ensuring safeguards against non- compliance observations.
  • Developed two AI-based models aimed at improving compliance efficiency and risk contributing to the digital transformation of the compliance function.
  • Nominated among top 50 Citi users for effective use of Citi AI tools within ICRM; successfully prepared use cases to accelerate VAU activities and support the Singapore Compliance Team.

Trade Finance Operations & Customer Service Specialist

Kotak Mahindra Bank
07.2008 - 05.2014
  • Managed trade finance operations, ensuring accurate processing of LC issuance, document verification, and customer queries with high adherence to regulatory standards.
  • Provided frontline customer service support for trade finance clients, resolving queries related to letter of credit (LC), guarantees, and documentary collections.
  • Identified and flagged potential regulatory risks related to transaction discrepancies, contributing to improved due diligence and risk mitigation processes.

Education

Post Graduation - Finance

SIES College of Management Studies

Skills

  • AI compliance tool proficiency
  • Experience with AML and sanctions tools
  • List Management Updates Tools
  • Microsoft Excel, Word, PowerPoint, Outlook

Analytical thinking

Cross-functional collaboration

Root-cause analysis

Accomplishments

  • Nominated for top 50 Citi AI users globally for innovative application of Citi tools in compliance processes.
  • Spearheaded voluntary self-disclosure (VSD) that led to franchise-wide procedural and policy changes.
  • Identified and reviewed over 70 high-risk clients, recommending critical compliance actions including client exits and procedural updates.
  • Issue Identification and Management of sanctions controls gaps of more than 10 issues across Trade Finance Operations and processes.

Core Competencies

  • Trade Finance Operations & Customer Service
  • Sanctions Compliance & Transaction Monitoring
  • Client Risk Assessment & Remediation
  • Issue Identification & Remediation
  • Policy Interpretation & Procedural Enhancements
  • Citi AI Tool Utilization & Use Case Development
  • Microsoft Office Suite Proficiency

Systems Knowledge

Actimize, Citi Screening Workspace Alert Management, Citi Risk and Controls, Citi Watch List Management

Certification

ACFCS

Timeline

ACFCS

11-2023

ACAMS

10-2023

Financial Crime Specialist – Sanctions Compliance & Transaction Monitoring

Citigroup Inc.
06.2015 - Current

Trade Finance Operations & Customer Service Specialist

Kotak Mahindra Bank
07.2008 - 05.2014

Post Graduation - Finance

SIES College of Management Studies

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Krithika SubramanianFinancial Crime and Issue Management Specialist