Shankar Gaonkar
Risk AnalystKYC||AML||Due Diligence||Sanction Screening||Enhanced Due Diligence|| Client On-boarding || Transfer Agency|| Hedge Fund||Private Equity||Periodic Review||Hunter
- Role
- Risk Control Unit - Aml Kyc Lead Analyst at L&T Finance
- Location
- Mumbai, MH, IN
- LinkedIn followers
- 500 followers
About Shankar Gaonkar
AML & Financial Crime professional with 5+ years of experience across Deloitte, KPMG, Axis Bank, Bank of Baroda, and L&T Finance. Specialized in AML/KYC, CDD/EDD, sanctions and PEP screening, adverse media, and high-risk case investigations.Currently working in the Risk Control Unit as an AML/KYC Lead Analyst, acting as an escalation point for complex cases, performing quality assurance, and supporting audits and regulatory reviews. Proficient in World-Check One, ComplyAdvantage, and case management systems, with a strong risk-based and investigative approach. Seeking opportunities in FIU and Financial Crime Investigation roles within fintech and regulated institutions
Experience
Risk Control Unit - Aml Kyc Lead Analyst
Oct 2025 — Present
Acted as part of the Risk Control Unit (RCU),providing independent oversight of AML/KYC onboarding, periodic reviews, and remediation activities in line with regulatory and internal risk frameworks.*Conducted enhanced review and validation of KYC profiles, including identity, beneficial ownership, nature of business, and source of funds, ensuring adherence to AML policies and RBI guidelines.*Performed risk-based assessments to identify high- risk customers, complex ownership structures, and control gaps, recommending appropriate mitigation actions.*Reviewed and challenged CDD/EDD outcomesprepared by frontline and operations teams to ensure completeness, accuracy, and regulatory compliance.*Executed sanctions, PEP, and adverse media screening using Refinitiv, Comply Advantage and World-Check One, escalating potential financialcrime risks in accordance with escalation matrices.*Provided quality assurance (QA) and control testing on KYC cases, identifying trends, root causes, andprocess improvement opportunities.*Prepared and maintained audit-ready documentation, including risk rationale, findings, and corrective action tracking for internal audits and regulatory reviews.*Led and mentored analysts, ensuring adherence to SLA, quality benchmarks, and AML control standards.
Education
NCIT India's IIBM College of BBA and BCA Chinchwad, Pune 19
Bachelor of Business Administration, Accounting
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