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Akhil Anil

KYC Analyst

Client Onboarding Officer

Personal Banking Advisor

Akhil Anil

KYC Analyst

Client Onboarding Officer

Personal Banking Advisor

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Hello, I’m

Personal Banking Advisor |
Client Onboarding &
KYC Analyst |

Compliance-focused Financial Services Professional, RG146 Tier 2 certified and CAMS and CAFCA candidate, with expertise in CDD/EDD, risk assessment, and AML/CTF compliance operations across banking and fintech. Achieved 25% efficiency gains, 98%+ documentation accuracy, and proven success in transaction monitoring and cross-border payments while maintaining strict AML/CTF standards.

3+

Years of Experience

3000+

KYC Cases

SERVICES

What I Bring to the Table

Client Onboarding
Client Onboarding

Helped SMEs across Asia onboard with a digital payment platform, streamlining KYC and reducing onboarding time by 25%.

International Payments Support
International Payments Support

Facilitated smooth cross-border transactions for clients by coordinating with payment providers and resolving transaction issues.

Customer Relationship Management
Customer Relationship Management

Maintained over 90% client retention by building trust, offering timely support, and enhancing service communication.

Compliance & Documentation
Compliance & Documentation

Ensured all clients met regulatory standards, contributing to AML/CTF checks and improving verification workflows.

Resume

Work Experience

2025-
Personal Banking Advisor
Westpac
Sydney, Australia

Supporting customers with tailored banking solutions, driving referrals, and delivering excellent service aligned with compliance and bank standards.

2022 - 2025
AML/KYC Onboarding Analyst
Beijing Xinshicheng Technology
BeiJING, cHINA

Provided onboarding and ongoing support to over 70+ Asian SMEs, helping them set up accounts and manage cross-border payments to Chinese suppliers via FX and payment partners.

2019 - 2022
ESL Trainer
Injoy Education
Changchun, China

Delivered foundational English communication training to young learners in China, focusing on spoken fluency, listening comprehension, and practical language use.

2017 - 2019
Skill Development Executive
Higher Education Department
Kerala, India

Prepared students for public speaking, group discussions, and job interviews to boost career readiness and self-confidence.

Education

2019 - 2021
MBA in Finance & Marketing
Capital University, India

MBA in Finance and Marketing with a focus on financial management, strategic marketing, and business decision-making

2013 - 2016
BA in English Literature
Kannur University, India

Bachelor's in English Literature, developing strong analytical, communication, and critical thinking skills

Technology Stack

Microsoft Office
Microsoft Office
80%
CRM
CRM
75%
Zendesk
Zendesk
80%
SQL
SQL
40%

Skills

  • Client Onboarding (70+ SMEs)
  • Retention Rate (90%+)
  • KYC Efficiency (+25%)
  • Stakeholder Liaison
  • Data Accuracy
  • Critical thinking and analytical skills
  • Creative Problem-Solving
  • Continuous Learning

Languages

English
English
95%
Chinese
Chinese
80%
Hindi
Hindi
70%
Korean
Korean
20%
Certs

Certifications

2025-

Certified AML Fintech Compliance Associate
ACAMS

CAFCA (ACAMS) certification in FinTech compliance, covering AML/CTF fundamentals, customer due diligence, sanctions, transaction monitoring, and regulatory frameworks.

2025

Certificate IV in Financial Services
Institute of Strategic Management

Foundational training in Australian financial services, covering compliance, banking products, and client support.

2025

RG146 Tier 2
Financial Education Professionals

RG146 Tier 2 certification in deposit and non-cash payment products, focusing on compliance and customer service in banking

2025-

Certificate IV in Finance and Mortage Broking
National Finance Institute

Currently undertaking Certificate IV in Finance and Mortgage Broking, focused on lending practices, compliance, and client needs analysis

2025

AML/CTF Compliance Certificate
Financial Education Professionals

AML/CTF Compliance training with a focus on regulatory obligations, risk assessment, and transaction monitoring

2025

RG146 Tier 1
Financial Education Professionals

RG146 Tier 1 certification in Generic Knowledge, covering financial market structures, regulatory obligations, economic principles, risk management, and ethical conduct in financial services.

Learn with Me

AUSTRAC

Australian Transaction Reports and Analysis Centre (AUSTRAC) is Australia's government agency for fighting financial crime. It acts as the main regulator, ensuring businesses follow anti-money laundering laws, and also serves as the national financial intelligence agency.

OFAC

The Office of Foreign Assets Control (OFAC) is a powerful enforcement agency of the U.S. Treasury Department. It creates and manages the U.S. sanctions lists

FATF

The Financial Action Task Force (FATF) is the global watchdog that sets the international standards to combat money laundering and terrorism financing

DFAT

The Department of Foreign Affairs and Trade (DFAT) is the Australian government body responsible for implementing and managing Australia's sanctions framework

SDN List

The Specially Designated Nationals and Blocked Persons (SDN) List is the primary financial blacklist maintained by the U.S. agency, OFAC.

UNSC Sanctions Committees

United Nations bodies that issue sanctions lists to prevent terrorism financing and proliferation.

The Wolfsberg Group

An association of thirteen of the world's largest private banks (like HSBC, JPMorgan Chase, and Deutsche Bank). They are not a regulator but are highly influential, as they develop industry best practices and guidelines for managing financial crime risks that often become global standards.

Egmont Group

A network of over 160 FIUs worldwide that share financial intelligence on money laundering and terrorism financing.

Basel Committee (BCBS)

An international body that issues banking guidelines, including principles for AML/CTF risk management.

FinCEN

The Financial Crimes Enforcement Network is the US FIU, collecting and analyzing suspicious activity reports.

FCA (UK)

The Financial Conduct Authority supervises firms to ensure they follow AML/CTF rules.

EBA (EU)

The European Banking Authority sets AML/CTF standards for EU financial institutions

MAS (Singapore)

The Monetary Authority of Singapore is the central bank and financial regulator, with strict AML/CTF enforcement

Bank Secrecy Act (BSA, 1970)

The cornerstone US AML law requiring financial institutions to keep records, report large transactions, and file Suspicious Activity Reports (SARs).

Money Laundering Control Act (1986)

First US law to make money laundering itself a federal crime, not just the underlying offenses.

Annunzio-Wylie Anti–Money Laundering Act (1992)

Strengthened penalties for banks, required Suspicious Activity Reports (SARs), and allowed shutting down banks involved in laundering.

USA PATRIOT Act (2001)

Expanded AML/CTF powers after 9/11, requiring customer identification programs (CIP/KYC) and tighter monitoring of foreign accounts.

Intelligence Reform and Terrorism Prevention Act (2004)

Enhanced AML rules on cross-border cash smuggling and strengthened information sharing.

Anti-Money Laundering Act (AMLA, 2020)

Major reform under the National Defense Authorization Act; created a beneficial ownership registry and modernized AML enforcement.

AML/CTF Act 2006

Australia’s main law requiring financial institutions and reporting entities to identify customers, monitor transactions, and report suspicious matters to AUSTRAC.

AML/CTF Amendment Acts (2007–2023)

A series of reforms strengthening compliance, introducing civil penalties, and preparing for Tranche 2 expansion to lawyers, accountants, and real estate.

Proceeds of Crime Act 2002 (POCA)

Allows authorities to freeze, restrain, and confiscate money or property derived from criminal activity.

Autonomous Sanctions Act 2011

Gives Australia power to impose its own sanctions separately from the UN, overseen by DFAT.

Charter of the United Nations Act 1945

Implements UN Security Council sanctions in Australia, including freezing assets linked to terrorism and proliferation.

Financial Transaction Reports Act 1988 (FTR Act)

Financial Transaction Reports Act 1988 (FTR Act) – The first Australian AML law, requiring reporting of cash transactions over AUD 10,000 and suspicious matters; now largely replaced by the AML/CTF Act.

Suspicious Matter Report (SMR)

A report to AUSTRAC when a transaction or activity is suspected to involve money laundering, terrorism financing, or another offence.

Threshold Transaction Report (TTR)

A report to AUSTRAC for cash transactions of AUD 10,000 or more (or foreign currency equivalent).

International Funds Transfer Instruction (IFTI)

A report of any international funds transfer (incoming or outgoing) sent to AUSTRAC, regardless of amount. IFTI reporting is being replaced by IVTS (International Value Transfer Service)

Annual Compliance Report (ACR)

A yearly self-assessment submitted by reporting entities to AUSTRAC about their AML/CTF compliance program and controls.
CONTACT

Drop Me a Line

[email protected]

Made by Akhil Anil