PGPM with total 4.2 year experience, where currently 1.10 year experience in Wipro Limited for KYC & AML under Corporate Investment Banking (J.P. Morgan Client) and 2.4 years in IndusInd Bank Ltd for KYC & Credit Portfolio under retail banking.

1. Mridul Pandey
Mobile: +91-9620653398 Email ID-pmridul108@gmail.com
CAREER OBJECTIVE:
To work in a challenging and responsible position where my professional background can be utilized
for the progress of the organization and help me grow professionally. Utilize analytical, managerial and
technical skills with positive attitude to work effectively and solve problems.
PROFILE SUMMERY:
PGPM with total 4.2 year experience, where currently 1.10 year experience in ‘Wipro Limited’ for KYC & AML
under Corporate Investment Banking and 2.4 years in ‘IndusInd Bank Ltd’ for KYC & Credit Portfolio under
retail banking.
1. WORK EXPERIENCE:
Company : WIPRO Limited
Location : Bangalore
Client : J.P. Morgan Chase & Co.
Project : KYC Remediation & AML (Corporate & Investment Banking)
Position : B1 Analyst
Department : CIB (Corporate & Investment Banking)
Reporting Tools: CDD, SKYC, Data Hub, Client Central, ECM and Microsoft Excel
Period of Work : 1.10 Years (From September 2014 till date)
ROLES & RESPONSIBILITIES:
 Working on KYC remediation & renewal process for Corporates, NBFI (Non-Baking Financial
Institution), FCB (Foreign Correspondent Bank), Funds and SPV’s customers using CRDU
(Customer Reference Data Utility), MDD (Minimum Due Diligence), EDD (Enhanced Due
Diligence) and LDD (Local Due Diligence) to complete end to end KYC process of clients.
 Following regulator guidelines of different geographies like APAC (Asia Pacific), EMEA (Europe,
Middle East & Africa) and Americas.
 Working on RBA (Risk Based Approach), Screening of PEP, Negative media search and identify
potential high risks of money laundering through degree of risk on the basis of Low risk, Medium
risk, High risk and customer’s relation with sanction countries.
 Working on SPDD (Specialized Due Diligence), AML Call report, AML questionnaire & AML
sanction risk for Banks, Funds & NBFI (Non-Baking Financial Institution) customers.
 Local due diligence has been performed for the client based on the clients booking location and
through E-RACM risk rating has been calculated for the clients.
 Monitoring and evaluating the quality of Work & achieving the accuracy level with high
productivity.

2.  Collecting financial and required information of clients as per regulators & corporate
requirements through publicly available source like client website, LexisNexis, Bankers
almanac, Bloomberg, market.ft.com and internal source (SKYC).
 Having knowledge of MIFID, Fincen, OFAC, U.S. Patriot Act, FATCA, FATF and Wolfsburg
concept in respect to KYC & AML.
 Using different tools like Customer Due Diligence (CDD), Enterprise Case management (ECM),
SKYC, Client central, Data Hub and excel to complete KYC process.
 Raising request in ECM tools for client’s information which is not available in publicly and
internal source.
 Training to new joiners
2. WORK EXPERIENCE:
Company : IndusInd Bank Ltd (Bangalore)
Position : AQM
Department : KYC & Credit Portfolio
Reporting too l: SAS, MS Excel, MS Word and MS Power point
Period of Work: 2.4 years (From August 2011 till December 2013)
ROLES & RESPONSIBILITIES:
 Analysis of overall Loan & credit data, KYC and credit profiles of current banking and
prospective clients.
 Analyze the risk to the company of its customers not paying for products and services or
defaulting on loans.
 Using Microsoft excel to prepare business report.
 Working on excel reporting which is generated on weekly basis to analyze the risk factor of the loans for
different servicers based like credit card and loans.
 Risk control considering fraud analysis through verifications and KYC process.
 Analysis credit data and financial statements to determine degree of risk involved in sanction
credit cards and lending money to the customers.
 Evaluate customer records and recommend payment plan based on earning, savings money,
payment history and purchase activity.
 Co-coordinating with Collection team for recovery of debts.
 Prepare reports on overall risk involved in credit and lending money and financial background
of customers.

3. PROJECTS WORKED ON:
Project Name: Six Sigma Green Belt Certification
Project Date: March 2011 to April 2011.
Description:
 Learnt Minitab for simulation exercises
 Learnt project analysis using DMAIC approach.
 Various tools like FMEA, Regression, and Process Charts etc.
Project Name: Retail Gap Analysis (Forum Value Mall)
Project Date: March 2011.
Description:
 Conducted a survey to understand customer expectations.
 Analyzed the GAP between customer expectations and customer perceived value.
 Made a report on the same with suggestions and submitted a copy of it to the store manager
STRENGTH:
 Optimistic
 Sincere and Hardworking
 Smart in planning and self confidence
 Flexibility and adaptability
 Self-motive and organizational skill
 Punctuation
TECHNICAL EXPERTISE:
Operating System- Application: Windows XP, Windows 7 & Windows 2003 Server
SAS skills - SAS/BASE, SAS/ODS, SAS/MACRO, SAS/SQL, SAS/REPORT, SAS/GRAPH, SAS/ACCESS
Other tools - MS Office (MS Word, MS PowerPoint and MS Excel), MS SQL, VBA MACROS
EDUCATIONAL QUALIFICATIONS:
Post Graduate Program in Management 2012
Specialization: Marketing and Finance
International School of Management Excellence, Bangalore
Bachelor of commerce (B.com) 2007-2010
University of Allahabad
Uttar Pradesh
Achievements & Personal Traits:
 Participated in ‘Business Analytics Game’ conducted by Carnegie Mellon University,
USA and emerged as a winner during PGPM from Apr’11-May’11.
 Ranked 1st
place in Essay writing in my school days.
 Ranked 1st
place in Running Race competition in my school days

4. HOBBIES & INTERESTS:
Keen to know the happenings in Indian and global corporate issues, Gardening, Tourism,
Playing Cricket, Music, cooking and making new friends.
PERSONAL DETAILS:
Date of Birth : 2nd
July 1988
Martial status : Single
Permanent Address : 245 A/3, Preetam nagar, Gokulawas colony, Allahabad (U.P). Pin-
211001
Current Address: No.79/3, Ganappa towers, bellandur near Central mall, above State bank of
Travancore Bangalore (Karnataka)-560037
I hereby declare that all the information provided by me in this application is factual and
correct to the best of my knowledge and belief
Place:
Date: (Mridul Pandey)