Bharat Hajare

About Bharat Hajare

I am an AML/KYC and Fraud Risk professional with over 3 + years of experience in Transaction Monitoring, Fraud Investigation, Customer Due Diligence (CDD), Risk Assessment, and Compliance Operations.Currently working as a Senior Process Associate at Tata Consultancy Services (TCS), I specialize in identifying suspicious activities, analyzing transaction patterns, investigating high-risk alerts, and supporting AML compliance initiatives.Previously, I worked with Cognizant, where I gained experience in fraud investigations, chargeback analysis, KYC verification, dispute resolution, and customer risk management.I hold an MBA in Finance and Marketing and possess strong analytical, problem-solving, and stakeholder management skills. I am passionate about financial crime prevention and continuously seek opportunities to enhance my expertise in AML, Compliance, and Risk Management.

Experience

1. Senior Process Associate

   Tata Consultancy Services

   Jul 2025 — Present · Bengaluru, IN

   Investigate high-risk AML alerts and identify suspicious transaction patterns using internal monitoring systems.* Analyse customer transactions and behavioural patterns across multiple data sources to detect anomalies.* Investigate unusual or suspicious customer activities including large-value transactions, rapid movement of funds, high-risk geography transactions, and round-dollar transactions.* Prepare and support SAR/STR reporting in line with compliance requirements.* Perform risk assessments and support decision-making for escalations.* Conduct QA checks to ensure accuracy and compliance with AML policies.

Education

• Karnatak University

  Master of Business Administration - MBA, Finance and Marketing

• Rani Channamma University, Belagavi

  Bachelor of Commerce - B.Com, Commerce