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Mohmad Yasir Lone

Financial Crime Analyst | AML | EDD | Transaction Monitoring | Financial Crime Investigations | Risk Assessment | Fraud Detection

Srinagar

9+ years of work experience

FLOW Consortium
Jan 20242 yrs 6 mosPresent

Riyadh

• Conducted AML and KYC investigations to ensure compliance with regulatory requirements and internal policies. • Performed customer due diligence (CDD) and enhanced due diligence (EDD) for high-risk individuals and corporate clients. • Monitored transactions using AML systems to detect suspicious patterns, structuring, layering, and unusual cross‑border flows. • Conducted in-depth research using open-source intelligence (OSINT) and adverse media screening to assess reputational and financial crime risks. • Analysed source of funds (SOF) and source of wealth (SOW) information to validate legitimacy of transactions. • Prepared comprehensive suspicious/unusual activity reports (SARs/UARs) with clear findings and recommendations. • Provided guidance on high-risk onboarding decisions and recommended account closures when activity fell outside risk appetite. • Collaborated with compliance, legal, and operations teams to ensure timely resolution of alerts and escalations. • Contributed to calibration of monitoring rules and thresholds to reduce false positives and improve detection of evolving typologies. • Maintained detailed investigation records and ensured documentation met regulatory and audit requirements.
Tech Mahindra
Jul 20221 yr 5 mosNov 2023

Noida

• Conducted AML and KYC investigations, performing customer due diligence (CDD) and enhanced due diligence (EDD) on client accounts to identify and mitigate financial crime risks. • Reviewed transaction alerts and case files using monitoring systems to detect suspicious patterns, including structuring, layering, and unusual cross‑border flows, ensuring timely escalation of red flags. • Investigated potential fraud cases, account takeovers, and mule activities, documenting findings and recommending appropriate corrective actions. • Performed customer verification and risk assessments, validating the legitimacy of transactions and the source of funds to support compliance decisions. • Collaborated with compliance and risk teams to draft suspicious activity reports (SARs) and ensure adherence to internal policies and regulatory requirements. • Maintained accurate investigation records, contributed to process improvements, and provided training to new team members to enhance fraud detection and operational efficiency.
SNF ELECTRICAL SERVICES INC.
Apr 20194 yrs 3 mosJun 2023

India

• Managed billing records, invoices, operational reporting, and customer transaction documentation • Assisted with account reconciliation, payment tracking, and inventory reporting activities • Prepared daily and monthly reports using Microsoft Excel including operational and sales data • Maintained accurate financial and operational records with strong attention to detail • Coordinated with suppliers, customers, and internal teams regarding operational and billing activities • Supported business operations through reporting, documentation management, and transaction verification
Apr 20172 yrs 1 moApr 2019

Baramulla

• Managed accounts payable, receivable, invoicing, and reconciliation activities • Maintained financial records, ledger entries, and operational documentation accurately • Assisted with payroll support, expense tracking, and reporting activities • Prepared financial summaries and maintained transaction records using Microsoft Excel and accounting systems • Supported day-to-day accounting operations and documentation processes

Education

University of Kashmir

Master's Degree, Accounting and Finance

University of Kashmir

20173 yrs2020
University of Kashmir

Bachelor of Commerce - BCom, Accounting and Business/Management

University of Kashmir

20124 yrs2016

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Headline

Financial Crime Analyst | AML | EDD | Transaction Monitoring | Financial Crime Investigations | Risk Assessment | Fraud Detection

About

Financial Crime and Risk Analyst with 3+ years of experience in AML, KYC, CDD/EDD, transaction monitoring, and fraud investigations across multinational environments. Adept at analysing account activity to detect structuring, layering, and unusual cross‑border flows, conducting risk‑based investigations, and drafting unusual activity reports. Skilled in assessing source of funds and source of wealth, performing adverse media and OSINT research, and recommending high‑risk onboarding decisions. Strong background in finance operations and customer support with 6+ years of experience in billing, account reconciliation, and reporting, backed by advanced Excel (Pivot Tables, VLOOKUP/XLOOKUP), SQL fundamentals, and ERP systems. Multilingual communicator fluent in English, Hindi, and Arabic.

Location

Srinagar

Work experience

Financial Crime Analyst at FLOW Consortium, Jan 2024 - Present · 2 yrs 6 mos, Riyadh, • Conducted AML and KYC investigations to ensure compliance with regulatory requirements and internal policies. • Performed customer due diligence (CDD) and enhanced due diligence (EDD) for high-risk individuals and corporate clients. • Monitored transactions using AML systems to detect suspicious patterns, structuring, layering, and unusual cross‑border flows. • Conducted in-depth research using open-source intelligence (OSINT) and adverse media screening to assess reputational and financial crime risks. • Analysed source of funds (SOF) and source of wealth (SOW) information to validate legitimacy of transactions. • Prepared comprehensive suspicious/unusual activity reports (SARs/UARs) with clear findings and recommendations. • Provided guidance on high-risk onboarding decisions and recommended account closures when activity fell outside risk appetite. • Collaborated with compliance, legal, and operations teams to ensure timely resolution of alerts and escalations. • Contributed to calibration of monitoring rules and thresholds to reduce false positives and improve detection of evolving typologies. • Maintained detailed investigation records and ensured documentation met regulatory and audit requirements.

Financial Crime Specialist at Tech Mahindra, Jul 2022 - Nov 2023 · 1 yr 5 mos, Noida, • Conducted AML and KYC investigations, performing customer due diligence (CDD) and enhanced due diligence (EDD) on client accounts to identify and mitigate financial crime risks. • Reviewed transaction alerts and case files using monitoring systems to detect suspicious patterns, including structuring, layering, and unusual cross‑border flows, ensuring timely escalation of red flags. • Investigated potential fraud cases, account takeovers, and mule activities, documenting findings and recommending appropriate corrective actions. • Performed customer verification and risk assessments, validating the legitimacy of transactions and the source of funds to support compliance decisions. • Collaborated with compliance and risk teams to draft suspicious activity reports (SARs) and ensure adherence to internal policies and regulatory requirements. • Maintained accurate investigation records, contributed to process improvements, and provided training to new team members to enhance fraud detection and operational efficiency.

Accounts & Operations Executive at SNF ELECTRICAL SERVICES INC., Apr 2019 - Jun 2023 · 4 yrs 3 mos, India, • Managed billing records, invoices, operational reporting, and customer transaction documentation • Assisted with account reconciliation, payment tracking, and inventory reporting activities • Prepared daily and monthly reports using Microsoft Excel including operational and sales data • Maintained accurate financial and operational records with strong attention to detail • Coordinated with suppliers, customers, and internal teams regarding operational and billing activities • Supported business operations through reporting, documentation management, and transaction verification

Junior Accountant at GRAND PROSPECT INTERNATIONAL COMMUNICATION PRIVATE LIMITED, Apr 2017 - Apr 2019 · 2 yrs 1 mo, Baramulla, • Managed accounts payable, receivable, invoicing, and reconciliation activities • Maintained financial records, ledger entries, and operational documentation accurately • Assisted with payroll support, expense tracking, and reporting activities • Prepared financial summaries and maintained transaction records using Microsoft Excel and accounting systems • Supported day-to-day accounting operations and documentation processes

Education

Master's Degree, Accounting and Finance, University of Kashmir

Bachelor of Commerce - BCom, Accounting and Business/Management, University of Kashmir