Joseph M S

About Joseph M S

I am an MBA graduate from Indian Institute of Management Rohtak currently working as a Manager – AML Compliance at Axis Bank, where I focus on regulatory risk management, transaction monitoring, financial crime prevention, process optimisation and control enhancement within the banking ecosystem.My role goes beyond alert review and reporting. I work at the intersection of data, regulation, and business risk — identifying suspicious activity patterns, preparing regulatory reports and contributing to process enhancements that reduce false positives and improve operational efficiency. I actively look for structured, data-driven improvements in compliance workflows and contribute to strengthening internal controls and improving workflow efficiency through structured analysis and data-driven process enhancements. MBA Pedagogy and my internship experience helped me develop strong financial analysis capabilities including financial research, market analysis, and enhanced my ability to interpret financial trends, assess institutional health, and translate quantitative findings into strategic insights.Looking ahead, I aim to transition into financial consulting and risk advisory roles where I can integrate regulatory expertise, financial analysis, and strategic problem-solving to support organisations in navigating complex risk landscapes and enhancing governance standards. I am particularly interested in roles that involve advisory-driven impact, cross-functional collaboration, and structured decision-making at scale.I am committed to continuous professional development and seek opportunities that allow me to expand my exposure to enterprise risk, financial advisory, and strategic consulting engagements.

Experience

1. Manager

   Axis Bank

   May 2025 — Present · Mumbai, IN

   I operate at the intersection of regulatory risk and data analysis within a large banking environment. My role involves analysing complex transactional datasets to identify emerging financial crime risks, behavioural anomalies, and potential control gaps across retail and corporate portfolios. I translate evolving regulatory requirements into structured monitoring frameworks and conduct comprehensive risk assessments by evaluating customer profiles, transaction patterns, and source-of-funds trails to support defensible decision-making and regulatory reporting. Beyond case-level analysis, I contribute to strengthening the bank’s control architecture by identifying systemic inefficiencies, recommending risk-based enhancements to improve detection quality and reduce false positives, and collaborating cross-functionally with various teams to ensure regulatory alignment and operational resilience. I also support workflow optimization initiatives aimed at enhancing process optimisation, turnaround time, and control effectiveness.

Education

• Rajagiri Viswajyothi College of Arts & Applied Sciences

  Bachelor of Business Administration - BBA, Business Administration and Management, General

  2018 — 2021

• Sivagiri Vidyaniketan Senior Secondary School

  AISSCE

  2010 — 2018

• Indian Institute of Management Rohtak

  Master of Business Administration - MBA