Karthik Sivaraman

• Performed AML transaction monitoring and fraud investigations across customer accounts, cards,
and correspondent banking activity.
• Prepared and submitted Suspicious Activity Reports (SARs) and IMLSRs to the UK National Crime
Agency (NCA) in accordance with regulatory timelines.
• Identified and analyzed fraud typologies including money mule activity, beneficiary fraud, counterfeit
cheque fraud, gambling-linked transactions, and goods-not-received cases.
• Reviewed customer behavior against risk profiles, KYC data, and historical account activity to detect
anomalies.
• Ensured full compliance with internal policies, AML regulations, and financial crime controls.
• Collaborated with compliance and risk teams to support case escalation and decision-making.
• Maintained accurate case documentation and audit-ready records while meeting strict SLA
requirements.

• Managed Export Letters of Credit, including advising, amendments, confirmation, transfer,
assignment of proceeds, and cancellation
• Verified the authenticity and completeness of Letters of Credit, ensuring full compliance with
UCP-600 requirements prior to confirmation or transfer processing
• Processed Import Letters of Credit issuance and amendments, ensuring accurate documentation,
approvals, and sanctions compliance
• Executed CDD Exit Payments for closed accounts, issuing settlements via cheque or Payit after
ownership and compliance validation

• Handled mortgage redemption processing, including closure statements and final settlement
coordination.
• Responded to customer and internal stakeholder queries within agreed SLAs.
• Processed and authorized transactions with high accuracy and regulatory adherence.
• Successfully cleared legacy backlogs and ongoing case volumes, improving operational flow and
service delivery.