RITE KAPOOR
Dubai
Summary
Results-driven AML and Financial Crime Compliance professional with over a decade of experience across leading global financial institutions including TD Bank, BMO Financial Group and American Express. Specialized in Enhanced Due Diligence (EDD), KYC, PEP and sanctions screening, transaction monitoring, adverse media investigations and fraud detection. Adept at analyzing high-risk customer profiles, documenting clear case findings and ensuring full regulatory compliance within demanding, SLA-driven environments. Seeking to bring proven financial-crime expertise to a compliance role within the UAE banking and financial services sector.
Overview
12
12
years of professional experience
Work History
Anti-Money Laundering Analyst
TD Bank
Toronto
03.2025 - 05.2026
- Conducted PEP assessments and periodic reviews for new and existing customers across high-risk portfolios.
- Performed Enhanced Due Diligence (EDD), reviewing customer profiles, occupation, business activity, source of funds and source of wealth.
- Reviewed adverse media, sanctions screening and PEP alerts to identify potential AML and reputational risks.
- Analyzed customer information and account activity to ensure consistency with expected customer behavior.
- Prepared detailed case narratives and risk summaries with clear rationale supporting each decision.
- Escalated high-risk concerns to senior compliance and investigation teams, ensuring adherence to AML regulations and internal policies.
- Managed periodic reviews and remediation of high-risk customer files within defined SLA timelines.
Senior Fraud Detection Analyst
BMO Financial Group
Toronto
07.2023 - 09.2024
- Conducted investigations to identify, assess, make decisions and report activity indicating exposure to financial crime.
- Evaluated, documented, managed and escalated potential threats and investigations in line with established SOPs.
- Reviewed customer account information and supporting documentation, including source of funds and cheques.
- Provided operational support on AML and Anti-Terrorist Financing (ATF) matters.
- Actioned fraud alerts appropriately - including hold, capture, compromise and card block - within relevant SLAs.
Lead Account Protection Specialist
American Express
India
09.2016 - 05.2021
- Analyzed fraud types - account takeover, ID theft, lost/stolen cards and counterfeit - across retail and commercial alerts.
- Examined suspicious transactions, patterns and accounts to identify potentially fraudulent activity.
- Documented recommendations and appropriate actions for each investigation case within SLA.
- Mentored new team members and contributed input to performance evaluations.
- Served as Quality Coach and Subject Matter Expert for the internal cross-skilling team.
Dispute Analyst
Fidelity Global Business Solutions
India
10.2015 - 09.2016
- Investigated disputes raised by American Express credit card holders.
- Conducted financial investigations to verify account payments and responded to fraud alerts, chargebacks and disputes.
- Managed merchant chargebacks and reversals based on invoice support.
Senior Process Associate
Genpact
India
06.2014 - 10.2015
- Handled processing for Australian bank Westpac.
- Prepared Statements of Advice using clients' personal and financial details, including dependents.
- Liaised with onshore financial planners to understand requirements and prepare customized financial plans.
Education
Post Graduate Diploma - Global Business Management
Sault College of Applied Arts & Technology
01.2022
Bachelor of Business Administration - Banking & Insurance
Guru Gobind Singh Indraprastha University
01.2014
Skills
- Anti-Money Laundering (AML) Regulations
- Know Your Customer (KYC) Procedures
- Customer & Enhanced Due Diligence (CDD/EDD)
- Transaction Monitoring Systems (TMS)
- PEP Reviews & Sanctions Screening
- Suspicious Transaction Reporting (STR)
- Adverse Media & Risk-Based Investigations
- Fraud Detection
- Prevention & Case Reporting
- AS400
- CertaPay
- TSYS
- World-Check
- Transaction Monitoring Platforms
Accomplishments
- Customer First Ambassador Award for achieving 99.8% accuracy in performance, American Express, 2019
- Lead Blue Employee Award for timely report delivery and consistent performance, Fidelity Global, 2016
- Recognized for exemplary contribution to Process Excellence and process improvement, Genpact, 2015
Personal Information
Nationality: Indian
Timeline
Anti-Money Laundering Analyst
TD Bank
03.2025 - 05.2026
Senior Fraud Detection Analyst
BMO Financial Group
07.2023 - 09.2024
Lead Account Protection Specialist
American Express
09.2016 - 05.2021
Dispute Analyst
Fidelity Global Business Solutions
10.2015 - 09.2016
Senior Process Associate
Genpact
06.2014 - 10.2015
Bachelor of Business Administration - Banking & Insurance
Guru Gobind Singh Indraprastha University
Post Graduate Diploma - Global Business Management
Sault College of Applied Arts & Technology