Vipul Mishra

About Vipul Mishra

I am an AML & Financial Crime Compliance professional with hands-on experience in transaction monitoring, investigations, sanctions/PEP screening, and OSINT research across fintech and global banking processes.Currently, I work at Nium in the Transaction Monitoring team, where I investigate international and domestic payment flows, draft structured narratives, and handle escalations for partner banks and compliance teams. I was recently recognized with the “Star of the Team” award for exceptional performance, process improvements, and strong ownership during high-volume periods.Previously, at eClerx, I supported global clients in AML alert investigation and compliance operations, gaining exposure to multiple jurisdictions and enhancing my ability to identify unusual customer activity, mitigate risks, and ensure adherence to regulatory standards.Key Strengths:Transaction Monitoring (TM) & AML Investigations (Level 1 & 2)Sanctions, PEP, and Adverse Media ScreeningNarrative Writing & Case Presentation for Compliance EscalationsOSINT & Risk-Based Approach to InvestigationsCross-border Payments Monitoring (APAC, EMEA, US)Tools: World-Check, Zendesk, Jira, Actimize, Oracle Siebel, CLEARI am passionate about building expertise in financial crime prevention frameworks and growing into leadership roles in compliance and investigations. My long-term goal is to contribute to global fintechs, regulators, or financial institutions by strengthening anti-financial crime programs and driving risk management excellence.Outside work, I invest in continuous learning, personal growth, and maintaining a healthy lifestyle.

Experience

1. Senior Analyst - Compliance Operations

   Nium

   Mar 2026 — Present · Mumbai, IN

   Leading end-to-end transaction monitoring investigations across domestic and cross-border payments, identifying complex ML/TF risks and ensuring regulatory compliance.Managing and reviewing Level 1 and escalated alerts with a risk-based approach, making independent decisions on case disposition, escalation, and reporting.Driving in-depth analysis of transaction flows, customer behavior, and counterparty networks to uncover structuring, layering, and emerging financial crime typologies.Conducting advanced OSINT investigations using tools such as World-Check, while leveraging platforms like Zendesk and Jira for efficient case management and workflow tracking.Preparing high-quality investigation narratives, SAR-support documentation, and detailed escalation reports for compliance teams and partner bank stakeholders.Acting as a key point of contact for internal and external stakeholders, including partner banks, handling complex queries and presenting case findings with clear risk articulation.Mentoring junior analysts, reviewing their work, and ensuring quality, consistency, and adherence to regulatory and internal standards.Identifying process gaps and leading workflow improvement initiatives to enhance efficiency, reduce false positives, and strengthen detection capabilities.

Education

• Barkatullah Vishwavidyalaya

  Bachelor of Commerce - BCom, Economics

  2016 — 2019

• Makhanlal Chaturvedi National University of Journalism and Communication, Bhopal

  Diploma in Computer Applications, Computer Applications

• Makhanlal Chaturvedi National University of Journalism and Communication, Bhopal

  Post Graduate Diploma in Computer Applications, Computer Applications

• Raja Shankar Shah University, Chhindwara

  Master of Arts - MA, Economics

  2019 — 2021