Senior Financial Crime Analyst

Job description

**Key Result Areas** Supporting Actions **Risk Ownership & Categorization** - Own end?to?end risk assessment for assigned scope - Ensure accurate customer/merchant risk categorization (Low / Medium / High) - Review and approve high?risk cases and escalations - Assess risks related to new products, partnerships, and business models **STR / SAR Identification & Reporting** - Identify suspicious activities requiring STR/SAR filing - Review and approve STR narratives prepared by team members - Ensure timely filing of STRs with FIU?IND within regulatory timelines - Maintain complete documentation and audit trail for STR decisions **Governance & Policy Management** - Implement AML and enterprise risk governance policies - Ensure adherence to RBI, PMLA, and applicable regulatory guidelines - Review and update SOPs, control frameworks, and risk assessment methodologies - Provide inputs to governance forums and risk committees **Regulatory & Audit Readiness** - Support internal audits, external audits, and regulatory inspections - Respond to regulatory queries and risk?related clarifications - Track and ensure timely closure of audit and compliance observations - Maintain documentation in line with regulatory standards **Reporting & MIS** - Prepare and review periodic risk MIS and dashboards - Track trends related to high?risk categories, STRs, and KRIs - Provide insights and recommendations to senior management **Stakeholder & Business Engagement** - Partner with business, operations, and compliance teams - Provide clear and reasoned risk opinions to support decision?making - Balance regulatory compliance with business objectives **Process Improvement & Maturity** - Identify process gaps, inefficiencies, and recurring risk themes - Recommend automation, rule enhancements, and control improvements - Support UAT and implementation of risk and AML system changes