Headline

Senior AML/KYC Analyst | CDD/EDD, Sanctions & PEP Screening | 4.5 Yrs @ NAB (Australia) | India GCC/Big 4-Ready

About

Zero regulatory escalations. 638 cases closed. That's not luck — it's how I work. I'm an AML/KYC compliance professional who spent 4.5 years inside National Australia Bank's Sydney, Parramatta, and Melbourne operations, closing 638 CDD/EDD reviews across 2,644 customer interactions at a 95% average quality score, without a single regulatory escalation. I also led a team of four analysts and trained 45-50 offshore staff every quarter on AML/KYC policy. What I actually do: → Corporate structure & UBO verification, source of funds/wealth checks → PEP, sanctions, and adverse-media screening → Risk rating and escalation, under APRA and the AML-CTF Act → Case-quality governance that survives audit In May 2025 I moved back to India and made a deliberate bet: spend the transition studying the RBI KYC Master Direction and PMLA against my APRA/AML-CTF background, rather than rushing into the first available role. I also picked up a Lean Six Sigma Green Belt (EY) and completed the McKinsey Forward Program along the way — and I've been getting hands-on with AI-assisted compliance and documentation workflows (Claude, Gemini, ChatGPT), because that's where case triage is headed next. The result: I understand both sides of the FATF-aligned regulatory picture — how a Tier-1 APRA-regulated bank runs KYC/AML at scale, and how that maps onto India's framework. That's a combination most domestic candidates don't have. I'm now targeting Senior/Lead AML-KYC and Sanctions Analyst roles at BFSI GCCs and Big 4 firms in Pune, Bangalore, and Mumbai. Available to join within 15 days. If you're building out KYC/AML or financial-crime capability in India and want someone who's already done it at Tier-1 scale — let's talk. Message me here or reach out at vishalsarwate@proton.me.

Location

Pune District

Work experience

Independent Consultant, Business Strategy Advisory at self directed, May 2025 - Present · 1 yr 3 mos, Pune District, • Advising a Madhya Pradesh-based real-estate firm on market-entry strategy and competitive positioning as an independent consultant. • Used the relocation window for structured self-study of the RBI KYC Master Direction and PMLA, mapping India’s regulatory framework against 4.5 years of hands-on APRA/AML-CTF experience. • Completed Lean Six Sigma Green Belt (EY) and the McKinsey Forward Program; built working familiarity with AI-assisted compliance and documentation workflows.

Customer Identity Management Analyst at NAB, Apr 2023 - Apr 2025 · 2 yrs 1 mo, Parramatta, NSW, • Closed 638 CDD/EDD reviews across individual and corporate clients — trusts, superannuation funds, associations, partnerships, and domestic companies — verifying corporate structures, UBOs, and source of funds/wealth under APRA and AML-CTF requirements. • Delivered zero regulatory escalations across 2,644 customer interactions at a 95% average quality score. • Led a team of four analysts and delivered quarterly AML/KYC policy and compliance training to 45-50 offshore staff; contributed to a workflow redesign later adopted as standard practice.

Associate, Institutional Banking Operations (KYC Documentation & Client Onboarding) at NAB, Dec 2021 - Feb 2023 · 1 yr 3 mos, Sydney, NSW, • Managed Lead-to-Cash onboarding and periodic-review amendments on an AUD 100M+ institutional lending portfolio via LoanIQ, averaging 15-20 transactions/month at 95%+ adherence. • Coordinated with 8-10 stakeholders per deal (Relationship Managers, Credit Risk, Legal, offshore Operations) to clear KYC blockers within regulatory turnaround times. • Identified 6+ onboarding-workflow friction points through structured gap analysis, proposing control improvements adopted for wider rollout.

Business Support Officer at NAB, Jun 2021 - Nov 2021 · 6 mos, Melbourne, VIC, • Cleared 80-100 exception items per week at 98%+ accuracy across regulatory exception queues. • Conducted root-cause analysis and data validation to identify gaps in KYC/compliance processes. • Documented 8+ internal governance control procedures, later adopted as onboarding reference material and exception-handling standards across the team.

Inventory Specialist at RGIS INVENTORY SPECIALISTS LIMITED, May 2019 - Jun 2021 · 2 yrs 2 mos, RF scanning and counting inventory, ensuring precision, reliability and objectivity in the reporting. Achieved APH counting goals while ensuring accuracy’s and integrity of the data collected in all inventories worked.

Financial Services Advisory Intern at Deloitte, Feb 2018 - Jul 2018 · 6 mos, Sydney, NSW, • Contributed to a Tier-1 Australian bank misconduct and enterprise-risk diagnostic within Deloitte’s FS Risk and Regulatory practice. • Built a go-to-market prioritisation matrix for the Deloitte Incubator covering competitive positioning and client-segment sizing.

Education

Master's degree, Business Administration and Management, General, The University of Sydney Business School

Master of Business Administration, International Business, Holmes Institute, Australia