Sangeetha S

About Sangeetha S

Senior AML and Transaction Monitoring Analyst with 6 years of experience in Financial Crime Compliance across global banking environments. Specialized in L1/L2 transaction monitoring, end-to-end AML investigations, SAR/STR decision-making, sanctions screening, EDD, and FIU escalations. Currently working with IBM India Pvt Ltd and previously associated with WNS Global Services and Genpact Pvt Ltd, I bring strong expertise in risk assessment, regulatory frameworks (FATF, OFAC, FinCEN, FCA, EU AMLD), and investigation documentation. Known for handling complex high-risk cases independently, mentoring junior analysts, and delivering high-quality, compliance-aligned investigations with strong analytical and governance focus.

Experience

1. Senior Transaction Monitoring Analyst

   IBM

   Aug 2024 — Present · Bengaluru, IN

   Performing compliance review in the alerts (L1phase), transaction monitoring analysis and performing enhanced due diligence review whenever required (RFI: request for information) for both individual and corporate clients. • Preparing Risk based reports on identified suspicious transactions in the client\'s account located in the region of USA (Georgia, North and South Carolina, Texas, Alabama). • Worked on various agent cards (various suspicious transactions patterns)\'TITO\'(transfer in and transfer out),\'CITO\'(Cash in and transfer out), structuring (both deposit and withdrawals), international transactions (ACHS, wires, POS, ATM withdrawals), virtual currency (like from/towards Coin base, Gemini trust company, finance, etc.), TICO (transfer in and cash out). • Responsible for further escalating the account to FIU (financial intelligence unit) for further review due to suspicious activity which include strong structuring vents, rapid movement of funds, in appropriate RFI responses, no response on RFI\'s. • Monitoring of customer\'s transactions, including assisting historical transactions (cursory review patterns observations) for both individuals and corporate accounts. • Prepare precise details about the customer\'s account behaviour, every transaction detail, RFI response behaviour. • Responsible for taking actions on the account with proper conclusion either to acknowledge, raise an RFI or further escalation if needed. • In case of corporate accounts have experience in handling normal and cash intensive business accounts (hotels/motels, gasoline stations with convenience stores, restaurants, limited services restaurants(McDonalds, KFC, Subway etc.),car dealer business, scrap metal business and many more)

Education

• SSMRV College

  Bachelor of Commerce - BCom