Divya Pahlani

• Possess extensive experience in utilizing compliance software platforms such as FCRM, Finacle, Firco (world check), Siebel CRM, and Compliance 360, to effectively manage customer risk assessments, alert investigations, and case management.
• Review and analyze KYC (Know Your Customer) refresh documentation for both individual and entity clients to ensure all information is accurate, up-to-date, and complete.
• Ensure that rejected cases are promptly and accurately recorded in the CDD rejection log. Conducted in-depth investigations for enhanced due diligence on higher-risk customers.
• Experience in handling a wide range of transaction alerts including: Hub and spoke, Multiple originator and same beneficiary, Multiple beneficiary same originator, Depletion of funds, Structuring and micro-structuring, & Tactical and Sensitive alerts.
• Conduct customer due diligence (CDD) and enhanced due diligence (EDD) to assess and address potential risks effectively.
• Keep up-to-date with relevant laws, regulations, rules, and industry best practices related to financial crime.
• Coordinate with business units, compliance teams, and line managers to address any discrepancies or issues identified during the review process.
• Ensure the KYC processes are carried out accurately and efficiently, promptly resolving any discrepancies or issues to foster customer trust and satisfaction.
• Well-versed in identifying PEPs through robust screening processes. In the event a customer is flagged as a PEP, skilled in taking appropriate measures, including enhanced due diligence, transaction monitoring, and reporting as required by compliance policies.
• Proficient in utilizing the Customer Risk Assessment Tool (CRAT) to assess the risk associated with individual customers. Capable of analyzing customer profiles, patterns, and transactions to assign an appropriate risk rating and determine necessary actions.
• Ensure that rejected cases are promptly and accurately recorded in the CDD rejection log. Conducted in-depth investigations for enhanced due diligence on higher-risk customers, including additional checks and detailed verification steps to assess risk levels and ensure compliance with anti-money laundering and fraud prevention standards.

• Developed and implemented various policies, including AML policies such as Customer Due Diligence (CDD), Know Your Customer (KYC), Internal Audit and Compliance Review Policy & Record Keeping Policy.
• Proficient in developing and implementing Whistleblower and Code of Conduct policies to ensure ethical standards, transparency, and compliance within organizations.
• Manage compliance for a diverse range of clients worldwide, including those from the MENA region, as well as the USA.
• Implemented ISO 37301-compliant Compliance Management Systems for various organizations, ensuring adherence to international standards and regulatory requirements while leading successful deployments.
• Led due diligence investigations, ensuring accurate documentation and compliance with regulatory standards for effective risk management.

• Conducted Internal Audit to assess the effectiveness, efficiency and compliance of the organization’s operations, identify areas for improvement and provide recommendations for corrective actions
• Prepared detailed audit reports, summarizing findings, risks, and recommendations, and presented them to senior management
• Performed thorough internal audits in compliance with ISO 9001 (Quality Management), ISO 14001 (Environmental Management), and ISO 45001 (Occupational Health and Safety) standards
• Conducted training sessions and workshops to raise awareness and understanding of ISO standards and compliance requirements among employees
• Established continuous monitoring systems to track compliance and performance metrics, facilitating proactive management of potential issues
• Recommended and monitored corrective and preventive actions, ensuring timely implementation and effectiveness.

• Prepared and presented comprehensive documentation for mergers, acquisitions, and demergers, in compliance with relevant laws and regulations.
• Facilitated the approval process for mergers and acquisitions before the National Company Law Tribunal (NCLT), ensuring timely and successful transactions.
• Conducted thorough investigations into the financial history of defendants, victims, and other parties involved in corporate cases.
• Led due diligence efforts for corporate clients, identifying potential legal and financial risks before business transactions.
• Advised on internal investigations related to company policy violations, harassment claims, and whistleblower reports.
• Analyzed opposing parties’ arguments, identifying weaknesses and inconsistencies to develop strong legal defenses.
• Drafted a wide range of legal documents including contracts, agreements, case pleadings, petitions, memorandums of understanding (MOUs) and other various agreements.