Bhavna Agarwal
Dubai,UAE
Summary
Compliance and KYC expert with over 4 years of experience in multinational banking and consulting environments. ACAMS certified with in-depth knowledge of regulatory compliance frameworks such as OFAC, FATF, and the US Patriot Act. Proven success in leading due diligence, conducting risk assessments, and ensuring accurate regulatory reporting. Proficient in tools including World-Check, Finacle, T24, and LexisNexis, with a history of improving operational efficiency and facilitating successful audits through effective documentation and process enhancements.
Overview
7
7
years of professional experience
4038
4038
years of post-secondary education
1
1
Certification
Work history
Assistant Manager
AKW Consultants
Dubai
07.2023 - 06.2024
- Prepared and submitted Suspicious Activity Reports (SAR) and Suspicious Transaction Reports (STR) to the Financial Intelligence Unit via the GoAML platform, ensuring timely and accurate regulatory compliance.
- Executed comprehensive Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) assessments to evaluate onboarding risks for complex corporate entities across diverse jurisdictions.
- Performed in-depth sanctions screening, PEP identification, and adverse media checks utilizing tools such as World-Check and internal compliance platforms.
- Presented escalated high-risk client profiles to the Compliance Manager, offering analytical insights and risk mitigation strategies to support onboarding decisions.
- Compiled and delivered detailed monthly and quarterly compliance reports to senior management, highlighting risk trends and control gaps.
- Partnered with internal stakeholders across compliance, legal, and operations to conduct end-to-end risk assessments in alignment with AML/CFT regulations.
- Maintained accurate, audit-ready compliance documentation and played an integral role in supporting internal reviews and external regulatory audits.
- Directed a team of two Compliance Officers, streamlining onboarding processes and enhancing compliance report accuracy by implementing quality assurance checkpoints.
Corporate KYC Analyst
KPMG
Bengaluru
09.2021 - 02.2022
- Conducted AML and sanctions screening using DQC tools and supported onboarding for corporate clients.
- Validated documentation such as UBO forms, MOA, and FATCA for legal entities.
- Assessed reputational risks and collaborated with compliance committee for case justifications.
- Mitigated financial crime risks through rigorous transactional analysis and reporting suspicious activities promptly.
KYC Analyst
First Abu Dhabi Bank
Dubai
06.2019 - 06.2021
- Performed onboarding KYC for corporate and retail clients.
- Managed PEP and adverse media checks across high-risk client profiles.
- Enhanced risk rating procedures and conducted detailed EDD reviews.
- Handled escalated cases professionally, resolving issues efficiently without compromising compliance standards.
- Regularly updated knowledge on regulations, ensuring continuous compliance with evolving guidelines and laws regarding KYC and AML and CFT requirements.
Deputy Manager
ICICI Bank
Jaipur
01.2017 - 10.2018
- Supported KYC profiling and conducted due diligence for varied client entities.
- Liaised between sales and operations for client onboarding and credit processing.
- Ensured CRM data updates, account maintenance, and client query resolutions.
Education
MBA - International Business & HR
Indian School of Business Management
PGDB - Banking
Manipal University
07.2017
Bachelor of Commerce - undefined
Kanoria College
Skills
- Regulatory frameworks: AML, KYC, FATCA, OFAC, BSA, EU directives
- Compliance tools: World-Check, LexisNexis, Finacle, T24, Equifax, Amazon Workspace, Norkom
- Compliance reporting
- Risk assessment
- Sanctions screening
- Enhanced due diligence (EDD)
- Customer due diligence (CDD)
- Transaction monitoring
- Microsoft Office Suite: Excel (certified), Word, PowerPoint
Certification
- Certified Anti-Money Laundering Specialist (ACAMS), 05/22
- Microsoft Excel Certified
Languages
English
Fluent
Hindi
Fluent
Timeline
Assistant Manager
AKW Consultants
07.2023 - 06.2024
Corporate KYC Analyst
KPMG
09.2021 - 02.2022
KYC Analyst
First Abu Dhabi Bank
06.2019 - 06.2021
Deputy Manager
ICICI Bank
01.2017 - 10.2018
Bachelor of Commerce - undefined
Kanoria College
MBA - International Business & HR
Indian School of Business Management
PGDB - Banking
Manipal University
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