Kaushik Kumar is applying for a challenging role in finance or compliance. He has 11 years of experience in finance, accounting, projects, testing, and anti-money laundering compliance. Currently, he is a senior compliance officer conducting due diligence and ensuring regulatory compliance. Previously, he led projects and teams in areas like business analysis, auditing, and VAT reclamation. He is seeking a new opportunity to add value with his skills in risk management, compliance, and leadership.

1. 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

2. Kaushik Kumar
A: 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.

3. • 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 2016
Senior 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

4. 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

5. 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 ~

6. 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 ~