To,

Dear Madam/Sir,

As a professional with 11 years of experience in Finance- Accounts Payable (Business Analyst), Projects, Testing and Anti-Money Laundering & Risk Management across diverse organizations, I present herewith, my candidature to work with your company, in a challenging role and add value to the operations.

Presently associated as Senior Compliance Officer with Standard Chartered Bank, Chennai, I am involved in conducting due diligence of entities - clients to the bank CDD information comprising facts about a customer (entities) enabling assessment of anticipated risks to the organization encompassing money laundering and terrorist financing. I am also involved in interacting with relationship managers across various zones of countries for updating details of documents and status of CDD, GIC.

Earlier associated in various roles with JP Morgan Chase, Mumbai, I was involved with internal Auditing, Taxation, Projects Lead, Testing and processing as Business Analyst , analyzing, invoicing and project mapping for AUS, HK, SG, Taiwan, Indonesia, Thailand, Vietnam, UK and NY, uploading payments for various cost centers for NA and UK on SAP and ORACLE post retrieval of data from various terminals.

Throughout my professional career, I have gained significant exposure in structuring of products, identifying product specific risks and preparing documentation based on Legal & Compliance activities of the Banking & Finance Industry.

Enclosed herewith, you may find my resume, highlighting further on my skills, accomplishments and credentials. At a professional meeting, we can discuss ways of our further association.

Sincere regards,

Kaushik Kumar

Kaushik KumarA: 12/1 Jagannath Dutta Lane, Kolkata - 700009 C: +919962281908 E:

kkaush98@gmail.com

Banking Finance (Business Analyst) ~ Projects ~ Testing ~ Risk & Compliance

Snapshot: Qualified professional with 11 years of experience various fields related to Projects, Testing, Learership, Audits & Anti-Money Laundering & Risk Management across diverse organizations; exploring challenging senior managerial assignments with a professionally managed organization

Core Competencies include…Regulatory & AML Compliance ~ Investment Management ~

Policies & Procedures Development ~ Business Continuity Testing ~ Fraud Management ~ VAT Computation & Reporting ~ Internal Polices & Controls ~ Team Leadership

PROFILE OVERVIEW Proven ability in structuring of products, identifying product specific risks, arranging legal

agreements and preparing documentation based on Legal & Compliance activities of Banking Industry

Skilled in interacting with government departments, regulatory authorities and external agencies Proficient in research / interpretation of accounting policies, application of observations and

recommendations on operational matters Excelled in finding errors and resolving defects in HP ALM during system and regression testing

using manual testing methods for VAT Reclamation Project. Project Leads Assisted QA testers in preparing test scripts. Possess thorough understanding of existing / proposed legislations, enforcing accounting regulations

and recommending new procedures

ANALYTICAL SKILLS

Acted as one of the key resource in Migrating the Audit process. Key resource in Testing the Audit process from SAPe3 to TEEMs with 100% accuracy and

implementation. BCP Testing Lead in Testing related to VAT Reclamation Project for making it 100% system build. Ability to develop and execute test plans and test cases based on written design and product

knowledge. Perform system, unit, acceptance, regression, load and functional/performance testing on

applications related to projects using both automated and manual testing methods. Leverage knowledge of object-oriented programming to help validate, verify, communicate and resolve issues and loop holes through careful, thoroughly documented testing to minimize the cost and maximize production

Expertise in analyzing the results and reporting Suggestions and defects.

TEAM LEAD & MANAGEMENT

Managed a team of 5 members for the UK Vat Reclamation Project involved in assembling VAT details with original supporting documents from clients and accessing VAT in compliance to UK law and claimed from the government body

Only Point of contact for managing the requirements of the stake holders, daily analysis of the Vat Taxation Accounting report provided by the Team members resulting in zero percentage error rate.

Analyzing and incorporating cost effective tasks related to the process in order to reduce the TAT.

Preparation of the MIS reports for daily task and individual team members (related to performance of the individual) and presenting the same to the management on regular basis

Taking action to correct and staff shortcomings.

Managing and monitoring staff attendance.

Giving prompt and accurate information on individual staff member performance.

Determined the duties and responsibilities of individuals in a team.

Reported any problem or fault in the project to the senior management Offered solutions to the top management regarding project-related queries.

Conducting Team meetings and resolving the issues and concerns of the team members with a positive approach.

Generating cost effective ideas and presenting the same across locations at regular intervals.

AWARDS & ACCOLADES

Employee of the Quarter – 2009 (Sep) Star Performer in Audit Team – 2006 & 2008 Recipient of Excellence in Execution Award for successfully implementing VAT Reclamation

Project Bagged award for compiling VAT loss expense report leading to refund of GBP 21,190/- Employee excellence Award 2012

PROFESSIONAL EXPERIENCE

Standard Chartered Bank, Chennai Jun 2014 – June 2016Senior Officer

Responsibilities: Conduct due diligence of entities - clients to the bank CDD information comprising facts about a

customer (entities) enabling assessment of anticipated risks to the organization encompassing money laundering & terrorist financing

Ensure compliance to requirements of relevant countries to the firm in conducing due diligence Update changes on requirements based on country addendum and name screening procedure Interact with relationship managers across various zones of countries for updating details of

documents and status of CDD, GIC Follow up with teams and customers in maintaining updated KYC details Conduct PEP analysis and to access and calculate detailed criteria for relevant risks Prepare/ present various status reports, MIS, Production details of the team for the senior

management and other stakeholders to enable effective decision making

JP Morgan Chase, Mumbai Feb 2005 – May 2014

IB Tech – Business Analyst ~ Jan 2012 – May 2014

Responsibilities: Involved in evaluating invoices to be paid and charged to various cost centers. Liaised with clients and stakeholders for invoice payment Resolved payment related queries for AUS, HK, SG, Taiwan, Indonesia, Thailand, Vietnam, UK and

NY Uploaded payments for various cost centers for NA and UK on SAP and ORACLE post retrieval of

data from various terminals Have handled successfully SAP regression testing to ensure Upload & MIS functionality is working

properly Worked on System and Process Integration for WAMU/JPMC other locations. Scope included

Analysis of Business Requirement/ collating Clients requirement/ Integrating/ Gap Analysis/Requirement planning & Writing and testing scripts.

Have expertise in Business Process Management (process discovery, process analysis, process design, process implementation etc.) and successful delivery of Transforming the legacy systems into a Digital platform as part of Business Transformation Team 

Closely work with management to understand the business plan and accordingly work with the department managers to define/re-align the business processes to meet the organisation's objectives

related to Information Technology requirements.  . Highly experienced in managing and delivering business critical projects across geographies

within budget and scope. Identified project issues and worked with project team to provide solutions to avoid project

delays.  Interacted with BLOOMBERG for discrepancy related to payments and submitting invoices in

Oracle R12 MIS Reporting Excellent time management skills with proven ability to work accurately and quickly prioritize,

coordinate and consolidate tasks, whilst simultaneously managing the diverse range of function from multiple sources. Result focused and motivated professional with true team leadership traits and strong organizational capabilities. 

Met client expectations and delivered on time and within budget.

Lead in UK Vat Reclamation Project & Senior Finance Ops Specialist ~ Feb 2009 – Dec 2011

Responsibilities: Led a team of 5 members for the UK Vat Reclamation Project involved in assembling VAT details

with original supporting documents from clients and accessing VAT in compliance to UK law and claimed from the government body

Maintained updated knowledge of country VAT regulations and policies Assessed, calculated net losses of unclaimed VAT to be published to the UK Government Functioned as point of contact for policy/ process related changes for JPMC audit Team

Team Member ~ Feb 2005 – Oct 2007 & Finance Ops Specialist ~ Nov 2007 - Jan 2009

Responsibilities: Involved in auditing TE Expense Report submitted by employee/ owner followed by compilation

of data for monthly reporting Functioned as prime resource for managing critical processes like 3% audit & mileage in the

bank including prepay and random audits Compiled/ dispatched data for the value added tax paid by north American employees during

hotel stay in the United Kingdom to be sent to UK tax regulators Member of the team involved in migrating SAPe3 system to TEEMS application. Participated in

BCP testing Functioned as point of contact for policy/ process related changes for JPMC audit Team

Key Projects & Highlights: UK VAT Reclamation Project – Processed VAT reclaim file on quarterly basis Only resource to initiate VAT reclaim project and recovering the losses of Unclaimed VAT from UK

government and leading & promoting the same to 5 team members Instrumental in migration of T&E process from SAPe3 to TEEMS application Active part in BCP Testing Was a core Member of WAMU Integration Project. Worked on Business Requirement to Testing to

Implementation. Worked as SPOC from the T&E Audit Team (35 members) in the Idea Database Project to develop

the overall process with required changes to be implemented, leading to cost reduction and improved efficiency

CREDENTIALS

Education B Com, Kolkata University Pursuing MBA

Trainings Attended Specialist Certificate in Money Laundering Risk in Corresponding Banking (International

Compliance Association - ICA)

AML Risk Management Internal Graduate Learning Programme

Seminars / Workshops Attended: Leadership Visionary Management Skills Project Portfolios Testing Skills AML Sanctions PEP Assesment

PERSONAL DETAILS

Date of Birth: 04th September 1979 Languages Known: English, Hindi and Bengali Passport Details: J0565832 valid till 2020

~ References Available Upon Request ~