Rakkumuthu Santhanam
Manager - Anti-financial Crime (Kyc, Aml, Compliance) @Tata Consultancy Services
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WORK HISTORY
Manager - Anti-financial Crime (Kyc, Aml, Compliance) @Tata Consultancy Services
Chennai, IN
Lead AML/KYC teams delivering due diligence, risk assessment, and compliance operations for corporate and institutional clients.Designed and implemented advanced analytics and process improvements, achieving measurable efficiency gains in client onboarding and monitoring workflows.Collaborate with cross-functional stakeholders to architect and enforce robust AML/CFT frameworks, aligned with global regulatory requirements.Conduct enhanced due diligence (EDD) on high-risk entities, ensuring compliance with sanctions regimes, FATF Recommendations, and local laws.
EDUCATION
Shanmuganathan Engineering College
Bachelor of Engineering - BE, Computer Science and Engineering
ABOUT RAKKUMUTHU SANTHANAM
With 12+ years of experience in First Line of Defense (1LoD) risk and fraud operations, I specialize in bridging the gap between EBA (European Banking Authority) regulatory standards and technological execution. My background as a Computer Science Engineer allows me to \"industrialize\" compliance workflows, ensuring that anti-financial crime defenses are both data-driven and scalable across multi-jurisdictional environments.My expertise is centered on the EU Financial Ecosystem, with a focus on:Risk & Integrity Oversight: Implementing and challenging institutional risk frameworks to meet evolving AMLD 5/6 and EU Sanctions mandates. Expert in aligning local requirements (such as Wwft) with global SIRA (Systematic Integrity Risk Assessment) methodologies to ensure enterprise-wide integrity.Operational Fraud Management: Managing complex escalations for High Brand Risk (HBR) sectors, conducting deep-dive Root Cause Analysis (RCA), and mitigating fraud ratios through logic-based monitoring and Card Scheme compliance.Technical Validation: Leveraging SQL and data analytics to optimize screening engines, automate policy lifecycles, and reduce \"False Positive\" noise in high-volume, high-SLA environments.Complex Entity Reconstruction: Forensic UBO identification for intricate legal structures across various EU jurisdictions, ensuring transparency in shareholder chains and control structures.I am focused on the strategic transition toward AMLA (EU Anti-Money Laundering Authority) and PSD3, building compliance environments that function as business enablers through rigorous evidence documentation and operational resilience.#AML #KYC #SIRA #AMLA #Wwft #FraudOperations #PSD3 #EBA #FintechCompliance #1LoD
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