Vishakha Agrawal

· Responsible for Compliance Audit (RCSA) for Retail banking and Branded Cards.

· Design and enhance Monitoring activities in accordance with the Monitoring Framework, Inclusive of re-design of monitoring for control modification and changes.

· Establishes and maintains a robust control environment ad culture within the Citi businesses.

· Doing Quality checks and Control Enhancements as needed. Identifies best practices to be shared with Citi Businesses.

· Capacity Planning of the team members, along with the cross training plans.

· Develops and maintains tracking metrics for management reporting and escalation.

· Establishes a rapport with Business Leaders, Compliance, Internal Audit and Legal.

· Develops a broad and detail understanding of the organization’s landscape, culture and technology.

· Has the ability to operate with a limited level of direct supervision.

· Leading the team, understanding and managing the team along with planning, developed communication, diplomacy skills in order to guide influence and convince others.

Responsible for delivering the volume along with the quality with the stipulated time frame.

· Act as SME to senior Stakeholders and/or other team members.

· Monitor remediation activities of company policies and systems, to ensure compliance. Execute various types of monitoring activities against control activities to assess control effectiveness.

Identify key financial and operational risks and assess the adequacy of controls in place to mitigate the risks.

Team Leadership:
Managed a team of over 40 associates, ensuring alignment with SLAs and performance targets through effective leadership and support.
Performance Analysis:
Regularly reviewed and analyzed key metrics across locations to identify root causes of performance issues and formulate data-driven solutions for improvement.
KYC and Regulatory Compliance:
Reviewed and interpreted KYC and country-specific due diligence regulatory requirements to ensure compliance and mitigate risk.
Staff Planning and Coordination:
Oversaw the implementation of staff planning and scheduling in collaboration with other locations and teams to ensure operational efficiency.
People Management and Reporting:
Managed multiple reportings and optimizing client billing and process monitoring for increased efficiency.
Training and Development:
Developed training programs to enhance technical skills among team members, fostering a culture of continuous improvement and professional growth

QC Checks:

Doing sample based quality checks everyday and preparing a summary report of the Errors, including the analysis of root causes, discussing the same with the team and management as how to progress on the same and achieve better results.

Stakeholder Management:

Daily calls held with the Stakeholders to understand the requirements, and planning the same, and chalking out the goal accordingly for daily, weekly and monthly actionable, discussion of the same with Internal team to align ito the same objectives.

- Verification of Current Accounts, Savings Accounts, Re-KYC, Fixed Deposits, Trust accounts, Government Accounts Opening Forms based on KYC (Know Your Customer) and RBI guidelines issued by Audit and Product.

-Participation in Internal Audits and Preparation of Reports

-Ensuring compliance to Process/Systems/Controls by conducting Process Visits.

-Evaluated client AML/KYC risk, conducted independent research, verified appropriate risk profile, and made
independent risk assessment recommendation; liaised with various groups like legal , and compliance and credit as
needed to ensure accurate risk analysis and assignment Collect document data, KYC information, politically exposed person (PEP) status, adverse media as well as
counterparty and any other required information to assist in the investigation.

- Creative thinking, to be able to
come up with new ideas to improve customer service standards. Identifies accurate risk rating for individual/non-individual accounts highlight high risk jurisdictions, cash
intensive/high risk businesses and Politically Exposed Persons (PEPS) or Relatives or Close Associates.

- Handle customer complaints or any major incidents, such as a security issue or a customer being taken ill, Review and analyses underlying data gathered opposite Anti-Money Laundering (AML), Terrorist Financing (TF),
-Human Trafficking, Unusual Activity and other red flags to assess whether the alert should be recommended for
escalation or to be closed with no further action, Performs investigations on all employees, consultants, vendors, contractors and third-party advisers against rdc,
and OFAC Specially Designated Nationals List (SDN) and Blocked Persons list, Good communication skill the allow to inform, help and advice customer clearly and to liaise effectively with other professional.

-Proficiency on technical application (Oracle, CRMnext, Probe42, I-sense, OFAC, Omniflow, LTR).

• Generating Leads of client by directly visiting them at their Office
• Client Retention
• Resolving Issues with Clients
• Assisting them with their request
• Identifying Potential Customers
• · Digital Banking
• · Working as an authorizer, authorize the big amount of transaction including deposits and payments, trade transactions, forex transactions.
• Working as a Quality Checker and performed 100% accuracy
• · Conducted accurate checks and event driven review on various aspects and changes in client’s corporate structure, business activity, Ultimate Beneficial Owners, Source of Wealth, Declaration of PEPs.
• Preparation and submission of responses related to Due Diligence Questionnaires.
• · Raising alerts to branches and follow up on alerts for all the negative cases.
• Training to be imparted to staff as to how to on board the new clients, regarding the documentation in liase with the regulatory requirements.
• FIU reportings.
• Escalation management
• Worked as a Branch operations head and supervised each and every activity happening at the branch level.