Atul Krishnan

WORK HISTORY

EDUCATION

ABOUT ATUL KRISHNAN

I got into financial crime compliance because I genuinely believe money always leaves a trail — and understanding that trail is one of the most important things we can do to keep the financial system honest.Over the past 8 years, that belief has taken me across some of the world\'s most demanding compliance environments — First Abu Dhabi Bank, USAA, Silicon Valley Bank, and now Bank of America, where I lead Local Screening operations within the High-Risk Detection Team. Day to day, that means onboarding, periodic reviews, high-risk due diligence, and ongoing transaction monitoring across retail, corporate, and correspondent banking portfolios — all under frameworks like OFAC, FinCEN, FCA, MAS, and the EU AML directives.I\'m CAMS-certified, which matters less as a badge and more as a reflection of how seriously I take this work.Beyond traditional banking, I\'ve always been drawn to crypto — not for the hype, but for the genuine complexity it brings to financial crime. Tracing blockchain transactions, mapping exposure to mixers, darknet markets, and high-risk VASPs — this is where old-school AML thinking meets an entirely new frontier. I write about crypto compliance on my website, Chainsutra, where I try to make sense of it all (sometimes successfully).Right now, I\'m also building ScoreSentinel — an automated AML transaction risk scoring engine that takes the kind of weighted risk matrix I work with every day and makes it actually run on its own. OFAC sanctions, FATF geography, PEP flags, Corruption Perceptions Index — all feeding into a composite score with automated escalation logic. Built in Python and SQL. Still cooking but getting closer every day.If you work in financial crime, compliance tech, or crypto regulation — I\'d love to connect.