MOHANRAJ MANOHARAN
Dubai
Summary
Seeking a position with the reputed companies to achieve a lead position in the banking sector using all my expertise in the field of finance and management. Obtain a managerial bank operations position that will benefit high quality customer service and financial knowledge.
Overview
8
8
years of professional experience
Work History
AML Compliance Officer
National Bank Of Umm Al Quwain
07.2025 - Current
AML KYC – Analyst
Citibank
10.2022 - 01.2025
- Perform KYC reviews (Scheduled & Unscheduled Reviews for Individual Client types across varied risk classes) including monitoring and tracking of KYC
- Determining if the accounts are in scope
- Client Identification, Verification and Screening Information such as customer's address, employment (including employer), connectivity to PEP / SPF (Sanctions Screening), will be validated and confirmed
- Ensure to get Quality Control (QC) review done on files prior to submission and respond / correct any discrepancies identified during QC reviews
- Ensure to maintain quality standards for the KYC reviews undertaken as per stake holder requirements
- Partner with internal units to ensure adequate due diligence process is carried out for customer accounts and documentation revise
- Ensure all information and documentation comply with local regulation and Citi standards
- Send the requests to Outreach / RM for accounts where information is required to complete the review properly
- Any suspicious product usage from AML perspective gets highlighted to senior management for further reviews promptly
- Ensure any tech issue / procedural clarifications gets highlighted to managers for further review and guidance
- Submit record for Business Approval once review is complete and respond / correct any discrepancies identified during BA reviews
Fraud Operations Senior Associate
Citibank
06.2019 - 09.2022
- Analyzing disputed transactions, based on the suspicious check’s procedure validate if it’s a genuine fraud or customer is liable
- If found to be genuine fraud we initiate chargeback for the fraudulent amount back to the customer’s account along with interest fee if applicable
- Processing chargeback from the issuing bank within specified timeframe to avoid direct bank loss
- Reviewing Hub Alerts and sharing the same across the team to ensure everyone stays on same page
- Mentoring and clarifying the doubts for new joiners
- Analyzing pend cases of the team and highlighting them to avoid SLA breach
- Managed to work on non-prod activity besides handing productivity work
- Trained in all sub-processes
- Achievement of metrics over and above of what’s been specified
- Supported Costco Credit Cards (Visa card) team during high volume
- Cross trained and supported Branded Card CHIP Process during volume spike
- Being a part for Expert Queue (Hiking Loss avoidance)
- Handling additional Ad-Hoc activities with no compromise on BAU deliverables
- Proactively performed assigned additional work
Associate Officer
HSBC Global Service Centre
03.2017 - 04.2018
- Analyse UK Retail Banking Customer's Tax Residence under CRS and FATCA regulations by validating self-certification W8/9, CRS-I forms
- Report the customer’s residence to UK Tax Authority using iREG
- Fraud investigations under customer’s data
- Quality check on verified customer's tax records and maintenance of regular updates
- I was promoted to Subject Matter Expert (SME) and advance to internal audit based on performance
- Proactively performed assigned additional work
Education
MBA - Finance
KSR College of Technology
B.E - Electrical and Electronics
SRM Valliammai Engineering College
Skills
- Microsoft Office
- PEGA
- CITI KYC
- World Check
- Negative New Search
- Eclipse
- LexisNexis
- Host screen
- On-Demand screen
Languages
English
Proficient
C2
Tamil
Proficient
C2
Malayalam
Beginner
A1
Hindi
Beginner
A1
Disclaimer
I hereby declare that the above-mentioned details are true to the best of my knowledge.
References
- Saravana Kumar J -Infrastructure senior manager-saravanakumar.jeyaramar@citi.com
visa status
- DEPENDANT VISA
Timeline
AML Compliance Officer
National Bank Of Umm Al Quwain
07.2025 - Current
AML KYC – Analyst
Citibank
10.2022 - 01.2025
Fraud Operations Senior Associate
Citibank
06.2019 - 09.2022
Associate Officer
HSBC Global Service Centre
03.2017 - 04.2018
B.E - Electrical and Electronics
SRM Valliammai Engineering College
MBA - Finance
KSR College of Technology
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