Divya Raikar

About Divya Raikar

KYC Analyst with 1+ years of experience in financial compliance at eClerx, specializing in account closures, Source of Wealth (SOW) upliftment, and handling intricate KYC documentation for global trading operations. Proven ability to handle complex regulatory requirements, and ensure global compliance with precision and integrity. Experienced in navigating forms and protocols for markets including the AU and APAC.

Experience

1. Financial Analyst

   eClerx

   Mar 2024 — Present · Pune, IN

   Conducted end-to-end KYC, CDD, and AML reviews across FATCA, pre-trade eligibility, SOW analysis, and account closure processes for global banking clients. Reviewed and validated FATCA documentation (W-8BEN, W-8BEN-E), GIIN and TIN using IRS and OECD databases, ensuring full regulatory compliance. Performed pre-trade KYC and market eligibility checks, validating client trading requests against regulatory, exchange, and internal policy requirements. Prepared structured Source of Wealth (SOW) summaries supporting Enhanced Due Diligence (EDD), risk-based client profiling, and periodic KYC remediation. Assessed client ownership structures, income sources, and risk indicators to identify potential AML and financial crime exposure. Managed client-initiated and bank-initiated account closures, ensuring audit-ready documentation and regulatory adherence. Coordinated with cross-functional teams to resolve documentation gaps, reduce turnaround time, and maintain zero compliance breaches. Supported internal audits and quality checks by maintaining accurate, up-to-date, and regulator-ready records.

Education

• Jain (Deemed-to-be University)

  Master of Business Administration - MBA

• Smt.Mathubai Garware Kanya Mahavidyalaya,S.T.Stand Road, Khan Bhag

  Bachelor of Commerce - BCom