Ragini Verma

About Ragini Verma

A highly skilled AML/KYC Analyst with expertise in Enhanced and Standard Due Diligence…

Experience

1. Associate Analyst i

   AML RightSource

   Aug 2024 — Present · Kolkata, IN

   Performed 6+ daily Enhanced Due Diligence (EDD) and Standard Due Diligence (SDD) investigations across 12+ case types, segmented by industry, geography (USA, UK, EMEA, Canada, Singapore, Abu Dhabi, Germany), and product line, ensuring alignment with global regulatory requirements.Analyzed high-risk customer profiles through Ultimate Beneficial Ownership (UBO) identification, source of funds/wealth verification, transactional behavior review, and adverse media screening, applying FATF guidelines and client-specific frameworks to mitigate financial crime risks.Leveraged AML systems including Hummingbird, Excelsior, and GAIA, supported by third-party tools such as CLEAR and Dow Jones, for sanctions, PEP, adverse media, and SSN checks, enhancing investigative accuracy and reducing risk exposure.Executed KYC remediation, sanctions screening, registry verification, and VHR checks to strengthen onboarding processes and ongoing monitoring, ensuring compliance with internal policies and external regulations.Investigated and filed 8+ Suspicious Activity Reports (SARs/STRs) daily via goAML and NCA SAR portals, maintaining accurate escalation of suspicious activity in accordance with the Bank Secrecy Act (BSA), UK AML, and EU directives.Acted as Subject Matter Expert (SME) across EDD queues, managing operational oversight, reviewing cases, mentoring 6+ analysts, and ensuring SLA adherence while delivering client-specific compliance expectations.Maintained comprehensive knowledge of key regulatory frameworks including BSA, USA PATRIOT Act, FATF Recommendations, and global AML standards, ensuring all reviews were audit-ready and compliant with industry best practices.Consistently surpassed benchmarks by maintaining 130%+ productivity while delivering high-quality, well-documented investigations with clear narratives and evidence-based decision-making for regulatory reviews and audits.

Education

• Carmel Convent School - India

  Matriculation

• Calcutta University, Kolkata

  Bachelor of Commerce - BCom(H), Accounting and Finance

• Carmel Convent School - India

  Intermediate, commere