Ratika Rohit Nayak
Customer Lifecycle Analyst @Commonwealth Bank
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WORK HISTORY
Customer Lifecycle Analyst @Commonwealth Bank
Auckland, NZ
Conducted Enhanced Customer Due Diligence (ECDD) on 100+ high-risk customers/entities in line with AML/CFT legislation and FATCA/CRS reporting obligations.• Engaged directly with customers via phone and email to collect documentation, explain compliance requirements, and resolve queries, ensuring positive client experience.• Performed risk assessments and case management on escalated financial crime alerts; identified suspicious activity and escalated 50+ high-risk cases in accordance with AML/CFT and sanctions policies.• Participated in Risk Meetings to present case findings, support escalation decisions, and provide recommendations on customer risk management.• Validated 200+ tax residency certificates and global reporting documents with accuracy, reducing compliance errors.• Maintained detailed case notes and audit-ready documentation to support regulatory reviews and internal audits.• Partnered with compliance and operational teams to enhance ECDD efficiency, achieving KPI targets for productivity and quality.• Contributed subject matter expertise in financial crime prevention, regulatory compliance, and due diligence to support team decision-making.
EDUCATION
V G Vaze Kelkar College
Bachelor of Commerce (B.Com.)
Digital Scholar
Digital Scholar
V G Vaze Kelkar College
Master of Commerce
The Institute of Company Secretaries of India
Company Secretary
National Insurance Academy
Diploma in Insurance and Financial Services
ABOUT RATIKA ROHIT NAYAK
Accomplished Compliance Officer and AML Analyst with over 5 years of experience in…
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