Mrinal Saboo

A highly motivated and detail-oriented finance professional with nearly 6 years of progressive experience in banking operations, international remittance, and financial operations within leading banking institutions. Proven track record in SWIFT payments processing, transaction monitoring, and client due diligence. Skilled in investigating suspicious activities, payment discrepancies, and ensure end-to-end compliance with RBI and global regulatory norms. Adept at working cross-functionally with internal stakeholders, clients, and auditors to deliver accurate, timely, and compliant financial outputs. Committed to professional development and contributing to operational excellence in a dynamic financial services environment.

Conducted KYC compliance reviews for wholesale banking clients in line with MUFG policies and global AML standards, completing 200+ client due diligence cases annually with high accuracy. Analysed customer transaction behavior against KYC/CDD profiles, expected activity, and historical account patterns to identify deviations, structuring, and layering indicators. Investigated alerts involving high-risk jurisdictions, unusual transaction frequency, and vague payment purposes, ensuring compliance with RBI AML guidelines, PMLA, and global regulatory standards. Performed detailed reviews of customer documentation, bank statements, and supporting evidence, maintaining defensible investigation narratives and audit-ready documentation. Applied a risk-based approach to prioritize alerts based on customer risk rating, geography, transaction type, and volume, ensuring timely escalation of high-risk cases. Supported STR/SAR escalation by preparing clear investigative summaries and red flag analysis for submission to Compliance and reporting to FIU-IND where required. Assisted with sanctions and ongoing screening reviews, ensuring adherence to UN, OFAC, and internal sanctions programs, and escalating potential true matches to Compliance teams. Collaborated with Compliance, Risk, Operations, and Business teams to resolve AML queries, mitigate fraud risk, and ensure alignment with regulatory expectations. Maintained comprehensive audit trails and due diligence records, ensuring smooth completion of internal/external audits with zero major findings. Supported compliance initiatives and risk projects, enhancing procedures that improved process efficiency across the AML/KYC team.

MBA in Banking and Finance - NMIMS - 2022-2024

B.Com - Finance major - St. Joseph's College of Commerce - 2015-2018