KARISHMA BOSE
Senior Compliance Consultant- Financial Crime & AML
New Delhi
Summary
Senior Compliance Consultant with 12+ years of experience in Financial Crime, AML Governance, and Fraud Risk across global financial institutions including Fidelity National Information Services, Ernst & Young, and American Express. Specialized in US AML regulatory frameworks, SAR validation oversight, transaction monitoring governance, sanctions screening, and compliance transformation initiatives. Led 20-member teams, reduced fraud exposure by 45%, achieved 100% audit accuracy, and implemented automation solutions improving efficiency by 30%. Experienced in cross-border regulatory alignment (FATF, OFAC, FinCEN, RBI). Seeking remote consulting and advisory roles in Financial Crime & Compliance.
Overview
12
12
years of professional experience
6
6
Certifications
Work History
Fraud Investigation- Assistant Manager
Global Payments
11.2021 - Current
- Led AML and fraud risk oversight across high-risk portfolios aligned with US regulatory frameworks.
- Supervised a 20-member investigation team ensuring governance standards and 100% audit compliance.
- Validated SAR submissions to ensure regulatory accuracy and risk mitigation prior to filing.
- Reduced fraud incidents by 45% within 6 months through enhanced monitoring frameworks and control strengthening.
- Conducted cross-border investigations involving multi-jurisdictional regulatory requirements.
- Identified compliance gaps and recommended remediation strategies aligned with FATF, OFAC, FinCEN, and RBI standards.
- Designed and implemented automated SharePoint-based quality dashboards, improving review turnaround time by 30%.
- Collaborated with global compliance, legal, and risk stakeholders across US, EMEA, and APAC regions
Supervising Lead Analyst
Ernst & Young (EY)
06.2019 - 10.2021
- Managed global client risk advisory engagements ensuring adherence to regulatory and internal compliance frameworks.
- Conducted due diligence reviews, client risk profiling, and regulatory gap assessments.
- Advised stakeholders on process standardization and compliance improvement strategies.
- Supported cross-border onboarding and remediation initiatives for high-risk clients.
- Strengthened compliance turnaround time by 30% through structured process optimization
Implementation Associate
American Express
08.2018 - 05.2019
- Coordinated corporate account onboarding ensuring AML, compliance, and risk checks.
- Partnered with Sales, Legal, Risk, and Compliance teams for regulatory-aligned account setup.
- Ensured adherence to KYC, CDD, and internal risk governance frameworks
Research & Remediation Analyst
Genpact India Pvt Ltd
03.2017 - 08.2018
- Executed CDD/EDD reviews ensuring AML/KYC compliance.
- Investigated transaction alerts and high-risk escalations using open-source intelligence.
- Conducted client risk profiling and remediation assessments.
Service Relationship Manager
Axis Bank Ltd
08.2014 - 03.2017
- Managed a 20 Cr HNI portfolio, delivering risk-based wealth management and financial advisory services
- Delivered tailored wealth management solutions by analyzing client risk profiles
- Ensured regulatory compliance in high-value transactions and foreign exchange operations
Customer Service Manager
Aditya Birla Money Mart Ltd
01.2014 - 07.2014
- Monitored portfolio performance and conducted profitability analysis for HNI clients
- Provided financial advisory across mutual funds, equities, and structured investment products
- Expanded client base through strategic relationship building and advisory excellence
Education
MBA - Finance
Prestige Institute Of Management & Research
Indore, India 04.2001 -
Skills
- AML Governance & Compliance Advisory
- Financial Crime Risk Management
- Transaction Monitoring
- SAR Validation & Quality Assurance
- US AML Regulatory Frameworks
- Sanctions Screening (OFAC)
- Regulatory Gap Analysis & Risk Remediation
- Fraud Risk Mitigation Strategies
- Stakeholder & Cross-Border Collaboration
- Process Automation & Dashboard Reporting
- Team Leadership (20 Members)
- Advanced MS Excel (Pivot Tables, VLOOKUP/XLOOKUP, Data Pattern & Trend Analysis)
- SharePoint Automation
- Risk Scoring & Control Frameworks
- Regulatory Reporting Systems
Accomplishments
- Achieved 45% reduction in fraud incidents through enhanced monitoring strategies.
- Delivered 100% audit accuracy across three consecutive quarters.
- Improved compliance turnaround time by 30% through automation and workflow redesign.
- Led team performance improvement initiatives enhancing operational efficiency.
- Six Sigma Green Belt Certified.
Certification
Six Sigma Green Belt (Certified)
Timeline
Fraud Investigation- Assistant Manager
Global Payments
11.2021 - Current
Supervising Lead Analyst
Ernst & Young (EY)
06.2019 - 10.2021
Implementation Associate
American Express
08.2018 - 05.2019
Research & Remediation Analyst
Genpact India Pvt Ltd
03.2017 - 08.2018
Service Relationship Manager
Axis Bank Ltd
08.2014 - 03.2017
Customer Service Manager
Aditya Birla Money Mart Ltd
01.2014 - 07.2014
MBA - Finance
Prestige Institute Of Management & Research
04.2001 -