Senior Financial Crime Analyst

Role Overview

This position is focused on financial crime risk management, anti-money laundering governance, and regulatory compliance within a fast-paced financial services environment. The analyst will be responsible for evaluating customer and merchant risk, supporting suspicious transaction reporting, and strengthening controls across products, partnerships, and operating models.

Key Result Areas

Risk Ownership and Categorization

• Take full ownership of the risk assessment process for the assigned scope.
• Ensure customer and merchant profiles are classified correctly into Low, Medium, or High risk categories.
• Evaluate and sign off on high-risk matters and escalations.
• Assess risk implications tied to new products, partnerships, and evolving business models.

STR/SAR Identification and Reporting

• Spot patterns or activity that may require STR or SAR filing.
• Review and approve narrative content for STRs prepared by team members.
• Ensure STRs are submitted to FIU-IND within the required regulatory timelines.
• Keep complete records and a clear audit trail for all STR-related decisions.

Governance and Policy Management

• Execute AML and enterprise risk governance policies across the relevant areas.
• Maintain compliance with RBI, PMLA, and other applicable regulatory requirements.
• Update SOPs, control frameworks, and risk assessment approaches as needed.
• Contribute inputs for governance meetings and risk committee discussions.

Regulatory and Audit Readiness

• Assist with internal audits, external audits, and regulatory examinations.
• Handle regulatory questions and provide clarifications related to risk matters.
• Monitor audit and compliance observations until closure within agreed timelines.
• Ensure documentation remains aligned with regulatory expectations.

Reporting and MIS

• Prepare and review periodic risk MIS reports and dashboards.
• Monitor trends across high-risk categories, STRs, and KRIs.
• Share analytical insights and recommendations with senior leadership.

Stakeholder and Business Engagement

• Work closely with business, operations, and compliance stakeholders.
• Provide clear, well-supported risk opinions to guide decisions.
• Help balance business goals with regulatory and control requirements.

Process Improvement and Maturity

• Identify control gaps, inefficiencies, and repeated risk themes.
• Suggest automation, rule tuning, and other control enhancements.
• Support UAT and rollout of risk and AML system updates.

Additional Information

Location: Maharashtra, India. Employment type: full-time and onsite. No stipend or salary details were provided in the source.