Manisha Dave
Warsaw,Poland
Summary
Accomplished professional with expertise in AML and regulatory compliance, specializing in transaction monitoring and analysis. Demonstrates strong skills in risk assessment, fraud detection, and prevention, ensuring adherence to OFAC, EU, and UN regulations. Proven ability to collaborate across cross-functional teams while effectively managing time and multitasking. Adept at investigative techniques and pattern recognition, with a focus on decision-making and escalation processes. Committed to enhancing regulatory compliance frameworks with a goal of advancing within the field of financial crime prevention.
Overview
8
8
years of professional experience
4
4
years of post-secondary education
Work History
Sanctions Specialist
STANDARD CHARTERED BANK
Warsaw, Poland
10.2023 - 02.2025
- Assessed sanctions screening alerts in real-time to identify potential sanctions violations, ensuring compliance with global regulations and internal risk frameworks
- Analyzed and made decisions on in-process payment escalations from operational and business units, aligning decisions with SCB's risk appetite, Group Sanctions Policy, and applicable sanctions regulations
- Evaluated and proposed actions for blocking, freezing, or rejecting transactions, providing accurate interpretations of policy regarding Potential Compliance Alerts (PCA)
- Demonstrates expertise in decision-making and escalation processes related to regulatory compliance.
- Strong problem-solving skills with attention to detail and the ability to manage multiple priorities under tight deadlines.
- Possesses an in-depth understanding of Know Your Customer (KYC) typologies inherent in individual clients and large multinational corporations.
- Possesses exceptional research and analytical skills with the ability to analyze large amounts of data, decipher higher risk attributes (transactional, geographical, product, customer type, etc.), and identify trends and potential high-risk activity.
- Performed deep-dive analysis using the Sanctions Risk Event (SRE) process, investigating high-risk activities and escalating when necessary
- Contributed to the list management process by recommending additions, de-listings, and amendments to ensure accuracy and integrity of sanctions screening lists
- Worked on Peer Bank Return (PBR) cases in alignment with the Americas Country Addendum and Department Operating Instructions (DOI)
- Exceptional research and analytical Skill
- Multitasking and results oriented team player
- OFAC, EU, and UN regulations
- Decision-Making and Escalation
Senior Analyst, Transaction Monitoring
STANDARD CHARTERED BANK
Warsaw, Poland
04.2022 - 09.2023
- Reviewed and analyzed correspondent banking transactions for potentially unusual activities, utilizing automated detection scenarios to identify potential risks related to money laundering and terrorist Financing.
- Demonstrates strong independent responsibility and extensive knowledge in working with international Anti-Money Laundering (AML) compliance-related issues.
- Managing the investigative process from initial detection to disposition
- Led comprehensive investigations of flagged transactions, conducting in-depth analysis of customer profiles and transaction behaviour's, and gathering relevant data from both internal and external sources to assess potential suspicious activities.
- Conducts thorough investigations to determine correlations or anomalies in data based on reasonable expectations and prior experience, assessing whether activity between originators and beneficiaries has valid economic purposes.
- Managed the investigative process from initial detection to disposition
- Assessed risks associated with Politically Exposed Persons (PEP) and sanctions-related entities and individuals, ensuring compliance with regulatory requirements
- Summarized investigation outcomes in clear and concise reports, ensuring effective communication with senior management and compliance teams.
- Formulated and recommended decisions on complex and sensitive cases as a Level 2 Investigator, escalating potential suspicious activities to relevant authorities
- Documented and reported investigation findings, preparing detailed case files with supporting documentation for audit and regulatory reviews
- Summarized investigation outcomes in clear and concise reports, ensuring effective communication with senior management and compliance teams
COMPLIANCE OPERATIONS ANALYST II/COMPLIANCE OPERATIONS ANALYST I/CUSTOMER ADVOCATE III
MONEYGRAM SP Z.O.O
Warsaw
04.2018 - 03.2022
- Holds transactions reviews through inbound and outbound contacts to obtain the necessary information to decision release, refund or escalate to Compliance Operations of the transaction hold
- This includes conducting the proper research via consumer/agent contact or internal application review to ensure the accuracy of decisions to minimize risk and liability to Money Gram and its customers
- Identifies department needs and productivity issues, brings them to management attention, develop databases and multiple system reports, and trains co-workers on new programs, all of which ultimately improves the quality of service
- Conducts MoneyGram Agent inquiries/problem-solving to include but not limited to basic automation troubleshooting, commission reconciliation, send/receive activity, agent account correction
- Identifying and conducting Due Diligence investigation for Politically Exposed Persons (Peps) as well as high-risk business activity of the customers
- Perform checks on all customers against World-Check risk screening, OFAC Specially Designated Nationals List (SDN) and MoneyGram internal Sanctions/Watch List
- Conducting Enhanced Due Diligence on customers to Identify Fraud, money laundering/suspicious activity in accordance with BSA and other regulatory standards
- Perform check on all the customers/agents for MoneyGram internal Watch List
- Monitoring and analyzing agent's activity for any risk of fraud, suspicious activity
- Engaged in sanctions and salesforce project execution on transformation of processes and operating procedures
Payroll Administrator
QX PVT LTD
Ahmedabad, India
05.2017 - 01.2018
- Managing electronic timekeeping systems or manually collecting and reviewing time sheets
- Managed payroll and time and attendance tracking for clients with impeccable attention to detail
- Calculating payable hours, commissions, bonuses, tax withholding, and deductions
- Preparing and issuing earnings statements Issuing pay checks and managing direct deposits
- Reconciled and input weekly time sheets payroll data for field and office employees, updated employee pays and benefit rate changes and resolved any payroll discrepancies
- Created and implemented numerous systems within the department to streamline processes and significantly increase productivity, accuracy and efficiency of payroll administration services and customer relations
Education
MASTERS IN BUSINESS ADMINISTRATION - REGIONAL ECONOMY
ALCIDE GASPERI UNIVERSITY OF EURO
Warsaw 02.2018 - 02.2020
BACHLORE OF SCIENCE -
KAMANI SCIENCE AND ARTS COLLEGE
Amreli 07.2014 - 07.2016
Skills
- AML and Regulatory Compliance
- Transaction Monitoring and Analysis
- Risk Assessment and Mitigation
- Fraud Detection and Prevention
- Cross-functional Team Collaboration
- Time Management
- Strong writing and verbal communication skills
- Investigative techniques & pattern recognition
- Multitasking and results oriented team player
- OFAC, EU, and UN regulations
- Decision-Making and Escalation
- Regulatory Compliance & Decision Making
Languages
English
Hindi
Gujarati
Timeline
Sanctions Specialist
STANDARD CHARTERED BANK
10.2023 - 02.2025
Senior Analyst, Transaction Monitoring
STANDARD CHARTERED BANK
04.2022 - 09.2023
COMPLIANCE OPERATIONS ANALYST II/COMPLIANCE OPERATIONS ANALYST I/CUSTOMER ADVOCATE III
MONEYGRAM SP Z.O.O
04.2018 - 03.2022
MASTERS IN BUSINESS ADMINISTRATION - REGIONAL ECONOMY
ALCIDE GASPERI UNIVERSITY OF EURO
02.2018 - 02.2020
Payroll Administrator
QX PVT LTD
05.2017 - 01.2018
BACHLORE OF SCIENCE -
KAMANI SCIENCE AND ARTS COLLEGE
07.2014 - 07.2016
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