Raj Ramnehora

About Raj Ramnehora

As a Senior Banking & Insurance Leader, I have 15+ years of experience spanning anti-money laundering (AML), compliance, fraud investigations, and client service excellence. My competencies also extend to financial intelligence, transaction monitoring, risk assessment, and compliance auditing. Throughout my career, I have been recognized for my background in qualitative and quantitative analysis with a focus on achieving aggressive business objectives. Key Achievements Include: Utilize advanced analytical tools to thoroughly investigate client accounts, overseeing daily suspicious transactions and conducting in-depth analysis of 25 30 large transactions for potential suspicious activity Collaborate extensively with legal, finance, and compliance teams to rigorously enforce AML program regulations, managing meticulous case records and ensuring robust record-keeping practices Managed transaction tracking mechanisms alerting the Financial Intelligence Unit to suspicious fund movements, detecting patterns, trends, and unusual activities to ensure thorough investigations Collaborated closely with the Director and a team of 20+ to ensure seamless operations and compliance in all financial activities. Contact me through this profile if you wish to connect.

Experience

1. Bsa Analyst Ii

   Desjardins

   Jul 2025 — Present · US

   As a BSA/AML Analyst II at Desjardins Bank, I operate at the intersection of financial crimes investigations, regulatory reporting, and AML governance, supporting the U.S. compliance program within an international banking framework. I help with complex investigations across multiple channels—including wires, ACH, Zelle, and cash activity—identifying suspicious patterns, assessing financial crime risk, and driving defensible escalation decisions in alignment with FinCEN, OFAC, and OCC expectations.I conduct end-to-end Financial Crimes Risk Management (FCRM) investigations, including high-risk customer monitoring, customer risk re-assessments, and CRR overrides, ensuring full traceability and audit-ready documentation. Utilizing platforms such as Fiserv FCRM, Cleartouch, and Nautilus, I perform in-depth analysis of transactional activity and alert typologies to support timely case disposition and regulatory compliance.I prepare and refine Suspicious Activity Reports (SARs) and CTR filings in accordance with FinCEN guidance, ensuring narratives are clear, concise, and defensible for regulatory review and audit. I also support OFAC compliance through sanctions alert reviews, validation of potential matches, and maintenance of dual-control logs to ensure program integrity.Operating with a governance mindset, I contribute to strengthening AML procedures, transaction monitoring frameworks, and investigative standards. I support internal audits and regulatory examinations by presenting workpapers, system evidence, and remediation tracking, while translating complex findings into clear, executive-level insights for Compliance leadership.Also, I support RFIs, 314(a)/(b) information sharing, and periodic reviews of high-risk customers, ensuring comprehensive CDD/EDD documentation and alignment with the bank’s risk appetite. I continuously identify opportunities to enhance controls, improve efficiency, and reinforce audit readiness across the AML program.

Education

• University of Guyana

  Bachelor of Arts - BA, Business Administration and Management, General

• University of Guyana

  Bachelor's degree, Business Administration, Management and Operations

• Centennial College School of Business

  Associate's degree, Finance, General