Ritu's CV
Profile summary
Accomplished compliance professional with 7 years of progressive experience in AML/CFT compliance, risk-based onboarding, and enhanced due diligence across financial institutions and virtual asset service providers. Track record of authoring End-to-end policies, optimizing operational workflows, and managing regulatory relationships with authorities such as FIU-IND. Dedicated to maintaining rigorous risk management standards while supporting operational efficiency and cross-functional collaboration.
Career highlights
Regulatory Framework Development: Authored and implemented AML and KYC policies along with customer onboarding standard operating procedures covering the full virtual asset service provider customer lifecycle.
Process Optimization and Review: Redesigned manual review workflows using process mapping recommendations, cutting turnaround time per user from 5 to 6 minutes down to under 1.5 minutes.
Enhanced Due Diligence Operations: Directed enhanced due diligence operations across high-risk accounts and high-net-worth individuals, managing risk assessment documentation and collaborating with cross-functional teams.
Compliance Professional Certification: Cleared the Certified Compliance Professional in Cryptocurrency Financial Crimes credential administered by the Chartered Institute of Professional Certifications.
Key skills
Professional experience
Directs business and KYB onboarding operations, coordinating cross-functional workflows with internal compliance and partner banking teams. Serves as the primary operations representative to product and engineering divisions, guiding vendor evaluation calls and training new team members on operational procedures.
- Redesigned the manual review process using process-mapping recommendations, cutting turnaround time per user from 5 to 6 minutes down to under 1.5 minutes, achieving a reduction of over 70% for manual reviews specifically.
- Processed 20,000 users within a 2-month period for a digital asset platform.
- Performs sanctions screening and coordinates Enhanced Due Diligence reviews in close collaboration with the compliance team across multiple jurisdictions.
- Authors and maintains standard operating procedures documenting day-to-day workflows, fallback review processes, and escalation paths.
- Responds to user queries and resolves cases through the internal ticketing system while maintaining service-level response and resolution standards.
Directed regulatory liaison duties as Principal Officer for a Virtual Asset Service Provider, managing registration documentation and cross-functional compliance readiness while serving as the primary point of contact for regulatory queries.
- Authored and implemented the AML/CFT Policy, KYC Policy, and customer onboarding SOPs covering the full VASP customer lifecycle.
- Evaluated and finalized vendors across ID&V, sanctions screening, transaction monitoring, and Travel Rule solutions.
- Built a risk-based customer onboarding framework, defining CDD/EDD triggers, risk-rating methodology, and periodic review cadence.
Guided risk evaluation workflows for high-risk accounts and high-net-worth individuals, coordinating operations alongside Sales, Account Management, Compliance, and Legal departments to maintain risk assessment documentation.
- Executed enhanced due diligence on high-risk customers and transactions, assessing and documenting risk ratings from findings.
- Investigated scam typologies including investment fraud, crypto-related exposure, impersonation fraud, purchase scams, and employment scams.
- Analyzed large datasets across transactional records, public records, and open-source intelligence to identify red flags and suspicious patterns.
Managed client engagements for financial institutions and crypto firms across multiple jurisdictions, directing regional delivery teams and cross-border training initiatives focused on anti-money laundering, know-your-customer, and transaction monitoring.
- Completed quality reviews for client onboarding cases, and performed customer due diligence and enhanced due diligence checks including sanctions and adverse media screening.
- Drafted suspicious activity reports and currency transaction reports for crypto customers while acting as the floor subject matter expert for transaction monitoring.
- Traveled internationally for a train-the-trainer program and led subsequent knowledge transfer sessions to accelerate ramp-up for the delivery team.
- Completed Customer Due Diligence and Enhanced Due Diligence for business client onboarding while reviewing incorporation documents and ownership structures.
- Investigated high risk clients including Politically Exposed Persons and completed Source of Funds and Source of Wealth assessments.
- Conducted audits of classified products to identify and update invalid or expired HS codes in accordance with global standards.
- Developed quality assurance checklists and protocols for HS code classification to structure the review process.
- Investigated high-risk clients including Politically Exposed Persons and obtained required documentation to complete client files.
- Analyzed complex ownership structures to identify Ultimate Beneficial Owners and validated Source of Funds and Source of Wealth.
Education
Automotive Engineering
Certifications
Languages
Hindi · Native