SREELAKSHMI RAGHUNATH
Trivandrum
Summary
Experienced professional with extensive expertise in KYC Refresh/Periodic Review, Transaction Monitoring, and Blockchain/On-Chain Monitoring. Demonstrated proficiency in Risk Rating and PEP Screening, Suspicious Activity Reports (STR, SMR, SAR), and multi-jurisdictional SAR/STR reporting. Skilled in Customer Due Diligence (CDD) & Enhanced Due Diligence (EDD), Financial Crime Risk Assessment, Source of Wealth (SoW)/Source of Funds (SoF) Analysis, and High-Risk Jurisdictions Assessment. Adept at Open-Source Intelligence (OSINT), FIU Investigations, and familiar with FATF, FinCEN, OFAC Guidance. Strong background in Regulatory Compliance and Case Documentation with financial software knowledge and advanced Microsoft Excel skills.
Overview
2
2
years of professional experience
8
8
years of post-secondary education
Work history
Fraud Analyst-AML-B2
Guide house India Pvt Ltd
2024.12 - 2026.04
- Drafted and filed 150+ Suspicious Activity/Transaction Reports (SARs/STRs) weekly in compliance with global AML/CFT regulations across multiple jurisdictions
- Drafted and filed SARs/STRs across key regulators including Financial Crimes Enforcement Network (USA), UK Financial Intelligence Unit (UK), Australian Transaction Reports and Analysis Centre (Australia), Financial Investigation Agency (BVI), and European FIUs, ensuring full AML/CFT compliance.
- Maintained high accuracy standards by aligning reports with jurisdiction-specific regulatory expectations, filing thresholds, and documentation requirements.
- Verified customer information and supporting documentation for investigations and account maintenance in line with KYC/AML standards.
- Performed identity verification using internal systems and reliable external data sources.
- Investigated suspicious activities by identifying fraud typologies, behavioral red flags, and indicators of potential money laundering and terrorist financing risks.
- Conducted FIU investigations across multiple alert types, including transaction monitoring alerts, blockchain monitoring alerts, and fraud-related cases, supporting SAR/STR drafting and regulatory reporting.
- Utilized Chainalysis to trace and analyze potentially illicit cryptocurrency transactions and blockchain activity alongside traditional financial investigations.
- Performed transaction monitoring to detect unusual or suspicious transaction patterns across banking and financial systems.
- Served as an internal Quality Controller (QC), reviewing alerts to ensure accuracy, consistency, and adherence to SOPs and regulatory guidelines.
- Acted as a point of contact (POC), delivering training sessions and driving team performance improvements through knowledge sharing and quality initiatives.
Finance Intern
Toyota Financial Services India Pvt Ltd
2023.11 - 2024.01
- Conducted detailed financial analysis to support strategic decision-making.
- Project on Non-Performing Assets (NPA) and its impact on operations.
Education
MBA - Finance and Business Analytics
MS Ramaiah University of Applied Sciences
Bangalore 2022.01 - 2024.01
Bachelor of Commerce - Computer Application
St. Mary's College
Thrissur 2019.01 - 2022.01
Higher Secondary Certificate - undefined
Ideal International Institute of Education
2017.01 - 2019.01
Secondary School Certificate - undefined
Ideal International Institute of Education
2016.01 - 2017.01
Skills
- KYC Refresh/ Periodic Review
- Transaction Monitoring
- Blockchain/On-Chain Monitoring
- Risk Rating and PEP Screening
- Suspicious Activity Reports (STR,SMR,SAR)
- Multi-jurisdictional SAR/STR reporting
- Customer Due Diligence (CDD)& Enhanced Due Diligence (EDD)
- Financial Crime Risk Assessment
- Source of Wealth (SoW) /Source of Funds (SoF) Analysis
- High-Risk Jurisdictions Assessment
- Open-Source Intelligence (OSINT)
- FIU Investigations
- Familiarity with FATF, FinCEN, OFAC Guidance
- Regulatory Compliance
- Case Documentation
- Financial software knowledge
- Microsoft Excel
LANGUAGES
English
Hindi
Malayalam
PROJECTS
The impact of NPA on profitability in Toyota Financial Services India Pvt Ltd- Internship 2023, Real Estate Investment and Financial Status of Indian-An Empirical Analysis in Kerala- Dissertation 2024
DECLARATION
I solemnly confirm that the above-mentioned details are true to the best of my knowledge.
Timeline
Fraud Analyst-AML-B2
Guide house India Pvt Ltd
2024.12 - 2026.04
Finance Intern
Toyota Financial Services India Pvt Ltd
2023.11 - 2024.01
MBA - Finance and Business Analytics
MS Ramaiah University of Applied Sciences
2022.01 - 2024.01
Bachelor of Commerce - Computer Application
St. Mary's College
2019.01 - 2022.01
Higher Secondary Certificate - undefined
Ideal International Institute of Education
2017.01 - 2019.01
Secondary School Certificate - undefined
Ideal International Institute of Education
2016.01 - 2017.01