Damini Jha

Senior Manager - Mortgage Operations & Compliance @HDFC Bank

Delhi, IN

Execute KYC/Re-KYC validation and Customer Due Diligence (CDD) at disbursement stage; assess customer risk profiles for HNIs and other customers, create risk reports and escalate documentation gaps to compliance team.• Perform source-of-funds and income legitimacy analysis on secured lending customers; identify anomalies such as undisclosed liabilities, credit history and inconsistent financial profiles.• Conduct background checks (documents and OSINT -based): adverse media and PEP check for HNI and political individuals, MCA portal for businesses validation, property registry, and public court records — flagging risk indicators before loan approval.• Act as First Line of Defence (1LOD): identify policy deviations and risk indicators; coordinate with credit, legal, and technical teams on high-risk or complex cases.• Support internal audits and governance reviews; maintain documentation discipline aligned to RBI KYC Master Directions and internal AML policy controls.

University of Jammu

Bachelor of Commerce - BCom

Manipal University

PGDM in banking and finance from manipal university