Mallesh Rathlavath

About Mallesh Rathlavath

I am currently working as a Financial Intelligence Unit (FIU) Analyst with strong expertise in global Anti-Money Laundering (AML), Counter-Terrorist Financing (CTF), and Suspicious Activity Reporting (SAR). I have hands-on experience working within AFR Transaction Monitoring & Reporting (TMR) and AFR Inbound Investigations teams, managing complex, high-risk financial crime cases across multiple jurisdictions.My role involves conducting end-to-end financial crime investigations, including transaction monitoring, alert review, detailed transaction analysis, case escalation, and SAR drafting. I regularly investigate cross-border transactions, high-risk customers, crypto-related fraud, gambling-related money laundering, and complex typologies associated with money laundering, terrorist financing, fraud, sanctions evasion, and organized financial crime.I work closely with multiple Financial Intelligence Units (FIUs) and regulatory authorities across Europe, the UK, and the US. My jurisdictional exposure includes FNTT, SEBPLAC, TRACKFIN, UIF, FIU (Portugal), GNECB, Romania FIU, UK National Crime Agency (NCA), Belgium CTIF-CFI, and other EU FIUs. This experience has strengthened my understanding of global regulatory frameworks, reporting thresholds, and cross-border compliance expectations.I apply a strong risk-based approach, identifying red flags such as structuring, layering, shell entities, intermediaries, round-tripping, and trade-based money laundering. I prepare and submit high-quality SARs that are accurate, timely, and actionable for law enforcement.I ensure compliance with key AML/CFT regulations including BSA, USA PATRIOT Act, FinCEN SAR requirements, UK Money Laundering Regulations 2017, POCA, FCA guidance, and EU 5th & 6th AML Directives. I also conduct enhanced due diligence (EDD) for high-risk clients, including PEPs and complex corporate structures.I regularly collaborate with law enforcement and regulators such as FinCEN, Europol, Interpol, and the FCA, supporting regulatory inquiries, subpoenas, and cross-border investigations. I am detail-oriented, analytical, and committed to protecting the financial system through effective AML and FIU operations.

Experience

1. Financial Intelligence Unit (Fiu) Analyst

   Revolut

   Nov 2025 — Present

   FIU Analyst with hands-on experience in global AML investigations and Suspicious Activity Reporting (SAR) across multiple jurisdictions. Conducts detailed transaction analysis, risk assessments, and enhanced due diligence (EDD) for high-risk clients and complex financial crime cases. Experienced in filing SARs with multiple Financial Intelligence Units, including FNTT, SEBPLAC, TRACKFIN, UIF, FIU (Portugal), GNECB, Romania FIU, NCA, and Belgium CTIF-CFI, as well as other EU FIUs.Ensures compliance with key global AML/CFT frameworks, including the Bank Secrecy Act (BSA), USA PATRIOT Act, Proceeds of Crime Act (POCA), UK Money Laundering Regulations 2017, FCA guidelines, and EU 5th and 6th AML Directives. Supports continuous improvement of internal AML/CTF policies and works closely with risk and compliance teams to meet regulatory expectations.Performs transaction monitoring and EDD using internal systems and external intelligence tools to identify risks related to money laundering, terrorist financing, fraud, and sanctions. Escalates high-risk or complex cases to senior compliance stakeholders with clear investigative findings and recommendations.Collaborates with law enforcement and regulatory bodies including FinCEN, Europol, Interpol, and the FCA on cross-border investigations, and supports responses to regulatory inquiries, subpoenas, and court orders. Committed to maintaining high standards of accuracy, confidentiality, and professionalism in financial crime prevention.

Education

• Mahatma Gandhi University, Nalgonda

  Bachelor of Commerce - BCom