---
title: "Kritik Raj - Deputy Manager II (Special Investigation Unit) in Hyderabad | Tal"
description: "Meet Kritik Raj, Fraud Risk | Risk Management | Financial Crime & Operational Risk | Forensic Investigations | Compliance based in Hyderabad."
image: "https://tal.club/meet/kritik/share-image"
---

# Kritik Raj on Tal

## Headline

Fraud Risk \| Risk Management \| Financial Crime & Operational Risk \| Forensic Investigations \| Compliance

## About

Financial Crime & Risk Management professional with 1\+ year of experience in Forensic Investigations, AML/CFT Compliance, Fraud Risk Management, and Anti\-Bribery & Anti\-Corruption \(ABAC\) across banking verticals\. Conducted 400\+ end\-to\-end forensic investigations — fund misrouting, illicit fund flows, and bribery/corrupt payment schemes — achieving 98%\+ detection precision through logic\-based rule design, transaction monitoring, and data analytics\. Skilled in KYC, Enhanced Due Diligence \(EDD\), SAR/STR filing, PMLA compliance, and RBI regulatory reporting\. Designed transaction monitoring rule sets identifying layering, structuring, and predicate offence typologies aligned with FATF recommendations\. Proficient in MS Excel, Power BI, and Microsoft Word for fraud dashboards, risk reporting, and stakeholder documentation\. Experienced in GRC framework implementation, internal controls assessment, risk advisory, root cause analysis, and remediation planning per RBI Master Directions and Basel guidelines\.

## Location

Hyderabad

## Work experience

Deputy Manager II \(Special Investigation Unit\) at ICICI Bank, Jul 2025 \- Present · 1 yr, Hyderabad, Telangana, India, Led end\-to\-end forensic investigations and financial crime risk assessments across retail, corporate, MSME, gold loans, and mortgage verticals — delivering structured investigation reports, SAR/STR filings, and regulatory disclosures aligned with PMLA compliance, Prevention of Corruption Act \(PCA\) frameworks, and RBI Master Directions\. Designed and deployed 24\+ logic\-based AML/CFT transaction monitoring rules targeting layering, structuring, bribery, unauthorised commissions, and suspicious fund flows — achieving 98%\+ detection precision through CBS data extraction, cleansing, normalisation, and false\-positive elimination across all banking verticals\. Conducted KYC/Enhanced Due Diligence \(EDD\), adverse media screening, and PEP identification across 250\+ preventive vigilance cases — identifying KYC/AML gaps, policy violations, and internal control weaknesses to strengthen GRC framework, operational risk posture, and enterprise risk management \(ERM\) outcomes\. Delivered risk advisory through structured Business Requirement Documents \(BRDs\) — documenting 50\+ fraud vulnerability patterns and control gaps across retail loans, gold loans, MSME, mortgage, and CASA products, and recommending process\-level controls, policy amendments, and monitoring enhancements to respective product teams\. Prepared Power BI dashboards and MS Excel\-based fraud trend analytics reports presenting investigation outcomes, product\-level risk insights, and AML/CFT monitoring performance to senior leadership — enabling data\-driven decisions on policy amendments, control remediation, and regulatory compliance strategy\. Collaborated cross\-functionally with Compliance, Legal, HR, Fraud Risk, and Internal Audit teams to align forensic investigation findings with corrective actions, FATF recommendations, Basel AML guidelines, and RBI regulatory reporting obligations — driving measurable improvements in financial crime detection, institutional risk posture, and compliance governance\.

Research Intern at Bajaj Allianz Life Insurance @Balic, May 2024 \- Jul 2024 · 3 mos, Delhi, India

Customer Service Representative at Concentrix, Jul 2022 \- Feb 2023 · 8 mos, Bengaluru, Karnataka, India

## Education

PGDM, Finance and Financial Management Services, Jaipuria Institute of Management

Bachelor of Business Administration \- BBA, Finance, General, Gossner College

[View the original profile](https://tal.club/meet/kritik)

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