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Pankaj Singh

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New Delhi

4+ years of work experience

NatWest Group
Aug 202511 mosPresent

Hybrid

NatWest Group
Aug 20259 mosApr 2026

Investigated and dispositioned TM alerts generated by the automated AML surveillance system, covering suspicious patterns including above-threshold transactions, structuring, rapid fund movement, and transactions involving high-risk jurisdictions. Conducted end-to-end AML investigation workflows — reviewing customer profiles, transaction histories, KYC data, and public records to assess risk and determine alert disposition (close/escalate). Identified and analyzed dormant account reactivations with sudden large-value activity, assessing patterns consistent with potential money laundering typologies such as layering and smurfing. Investigated rapid movement of funds and transactions linked to high-risk jurisdictions, documenting findings with well-supported rationale in case management systems. Drafted clear, concise, and audit-ready case narratives supporting SAR (Suspicious Activity Report) escalation decisions in line with BSA/AML regulatory requirements. Collaborated with KYC and Financial Crime Intelligence teams on cross-functional escalations and complex case reviews. Maintained strict SLA adherence and quality benchmarks in a high-volume, fast-paced transaction monitoring environment.
Concentrix India Pvt. Ltd. (Process: Citibank)
Jun 20223 yrs 3 mosAug 2025

Executed KYC onboarding, periodic, and event-driven reviews for US-based retail and commercial banking clients in line with Citibank's global AML policy and CIP requirements. Conducted Enhanced Due Diligence (EDD) for high-risk customers including Politically Exposed Persons (PEPs), MSBs, cash-intensive businesses, and entities domiciled in high-risk jurisdictions. Verified beneficial ownership structures (UBO ≥25%), collected and validated source of wealth and source of funds documentation per regulatory standards. Performed sanctions screening, PEP checks, and adverse media reviews using LexisNexis and Mitek; escalated with clear, documented disposition rationale. Built and maintained customer risk profiles; assigned and updated risk ratings using a risk-based methodology aligned with US AML compliance frameworks. Coordinated documentation collection via relationship managers and direct customer outreach, ensuring professional and timely communication. Maintained data integrity and timely updates in KYC/workflow systems, ensuring files remained audit- and QA-ready at all times. Applied QA feedback and participated in calibration sessions to continuously improve output quality and align with evolving policy requirements.
Concentrix India Pvt. Ltd.
- NowPresent

• Managed high-volume customer interactions and case resolution using CRM. • Performed research and analysis to resolve complex customer issues. • Maintained documentation aligned with SOP and quality standards. • Worked with cross-functional teams to meet KPIs and productivity targets.
NatWest Bank
- NowPresent

• Perform account analysis and support business operations for customer accounts. • Conduct internal research and data validation to resolve client queries. • Ensure SLA adherence, accuracy, and compliance with banking processes. • Support process documentation, reporting, and operational tasks. • Collaborate with stakeholders to improve turnaround time and service quality.
NatWest Group (UK-Based Tier-1 Bank)
20224 yrs 6 mosPresent

Monitored customer transactions in real time to detect suspicious activity, unusual patterns, and potential money laundering or terrorist financing indicators in line with FCA and FATF guidelines. Filed Suspicious Activity Reports (SARs) and Currency Transaction Reports (CTRs) to the Financial Intelligence Unit (FIU) upon identifying reportable activity, ensuring accurate and timely submissions. Conducted Customer Due Diligence (CDD) on new and existing customers, including identity verification, source-of-funds validation, and PEP/sanctions screening. Reviewed KYC documentation and identified red flags such as inconsistent beneficial ownership, high-risk jurisdictions, adverse media, or structuring behaviour; escalated cases requiring Enhanced Due Diligence (EDD) to senior compliance teams. Investigated account discrepancies and anomalies, supporting SAR escalation workflows and collaborating with compliance teams to resolve high-risk cases within regulatory timelines. Maintained precise case records, compliance reports, and audit trails in adherence to GDPR standards and internal documentation requirements.

Education

SEH

Intermediate — 12th Grade

SEH

High School Diploma

st xaviers school

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Headline

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Location

New Delhi

Work experience

Operations Analyst at NatWest Group, Aug 2025 - Present · 11 mos, Hybrid

Transaction Analyst at NatWest Group, Aug 2025 - Apr 2026 · 9 mos, Investigated and dispositioned TM alerts generated by the automated AML surveillance system, covering suspicious patterns including above-threshold transactions, structuring, rapid fund movement, and transactions involving high-risk jurisdictions. Conducted end-to-end AML investigation workflows — reviewing customer profiles, transaction histories, KYC data, and public records to assess risk and determine alert disposition (close/escalate). Identified and analyzed dormant account reactivations with sudden large-value activity, assessing patterns consistent with potential money laundering typologies such as layering and smurfing. Investigated rapid movement of funds and transactions linked to high-risk jurisdictions, documenting findings with well-supported rationale in case management systems. Drafted clear, concise, and audit-ready case narratives supporting SAR (Suspicious Activity Report) escalation decisions in line with BSA/AML regulatory requirements. Collaborated with KYC and Financial Crime Intelligence teams on cross-functional escalations and complex case reviews. Maintained strict SLA adherence and quality benchmarks in a high-volume, fast-paced transaction monitoring environment.

Anti-Money Laundering Analyst at Concentrix India Pvt. Ltd. (Process: Citibank), Jun 2022 - Aug 2025 · 3 yrs 3 mos, Executed KYC onboarding, periodic, and event-driven reviews for US-based retail and commercial banking clients in line with Citibank's global AML policy and CIP requirements. Conducted Enhanced Due Diligence (EDD) for high-risk customers including Politically Exposed Persons (PEPs), MSBs, cash-intensive businesses, and entities domiciled in high-risk jurisdictions. Verified beneficial ownership structures (UBO ≥25%), collected and validated source of wealth and source of funds documentation per regulatory standards. Performed sanctions screening, PEP checks, and adverse media reviews using LexisNexis and Mitek; escalated with clear, documented disposition rationale. Built and maintained customer risk profiles; assigned and updated risk ratings using a risk-based methodology aligned with US AML compliance frameworks. Coordinated documentation collection via relationship managers and direct customer outreach, ensuring professional and timely communication. Maintained data integrity and timely updates in KYC/workflow systems, ensuring files remained audit- and QA-ready at all times. Applied QA feedback and participated in calibration sessions to continuously improve output quality and align with evolving policy requirements.

Customer Support Associate at Concentrix India Pvt. Ltd., • Managed high-volume customer interactions and case resolution using CRM. • Performed research and analysis to resolve complex customer issues. • Maintained documentation aligned with SOP and quality standards. • Worked with cross-functional teams to meet KPIs and productivity targets.

Customer Analyst at NatWest Bank, • Perform account analysis and support business operations for customer accounts. • Conduct internal research and data validation to resolve client queries. • Ensure SLA adherence, accuracy, and compliance with banking processes. • Support process documentation, reporting, and operational tasks. • Collaborate with stakeholders to improve turnaround time and service quality.

Anti-Money Laundering Analyst at NatWest Group (UK-Based Tier-1 Bank), 2022 - Present · 4 yrs 6 mos, Monitored customer transactions in real time to detect suspicious activity, unusual patterns, and potential money laundering or terrorist financing indicators in line with FCA and FATF guidelines. Filed Suspicious Activity Reports (SARs) and Currency Transaction Reports (CTRs) to the Financial Intelligence Unit (FIU) upon identifying reportable activity, ensuring accurate and timely submissions. Conducted Customer Due Diligence (CDD) on new and existing customers, including identity verification, source-of-funds validation, and PEP/sanctions screening. Reviewed KYC documentation and identified red flags such as inconsistent beneficial ownership, high-risk jurisdictions, adverse media, or structuring behaviour; escalated cases requiring Enhanced Due Diligence (EDD) to senior compliance teams. Investigated account discrepancies and anomalies, supporting SAR escalation workflows and collaborating with compliance teams to resolve high-risk cases within regulatory timelines. Maintained precise case records, compliance reports, and audit trails in adherence to GDPR standards and internal documentation requirements.

Education

Intermediate — 12th Grade, SEH

High School Diploma, st xaviers school