Vikas Limbachiya is a performance-driven professional with over 11 years of experience in financial services operations including customer service, quality control, and training. He has expertise in anti-money laundering, compliance, payment investigations, and managing teams. Limbachiya is seeking a challenging position that utilizes his skills in areas such as strategic planning, process improvement, risk management, and innovation.

1. VIKAS LIMBACHIYA
1/13, Chandra raj bldg. chincholi bunder road, Malad (West), Mumbai 400 064
Email: vkslimbachiya@gmail.com Phone: (M) +91 8469859148
A performance-driven professional with experience of handling operational functions in Financial services
industry. To work in a challenging job environment that utilizes my skills, abilities & offers ample learning
opportunities.
Strategic Planning  Process Improvement  Risk Management  Innovation  Quality Control  Research & Analysis 
Operations Management  Training & Development  Process Management  SLA/ TAT  General Administration 
Resource Planning  MIS  Customer Query Resolution  Quality Control  Cross Functional Coordination.
• Experience of 11+ years in diverse areas of operations including service excellence, customer support, quality
compliance, need assessment, business process understanding, requirement mapping, training & development
• Highly skilled in providing end-to-end customer service delivery solutions along with strong capabilities in
implementing the service delivery process covering capacity management, service level management, resolution and control
process; developing business continuity plans, and service standards for business excellence
• Demonstrated expertise in managing various processes entailing back-office operations; creating process vision &
design, developing enhancement strategy and transition strategy and deploying key execution strategies across processes
• Strong people management skills, capable of managing members having different skill sets, ensuring judicious utilization
of available resources as well as ensure skill upgrade, competence management, career planning, and mentoring of the team
members as well as maintaining TAT, quality, productivity and behavioral aspects of the Team.
CAREER SUMMARY
 Highly accomplished in KYC/Anti-Money Laundering/SWIFT banking/Sanction/compliance/Payment investigation
offering 9+ years of experience in the field of BFSI and Client/Customer Service.
 Auditing, training and monitoring the performance of team members to ensure efficiency in operations and meeting of
SLA and KPI. Creating and sustaining a dynamic environment that fosters development opportunities and motivates high
performance amongst team members.
 Demonstrated excellent ability in laws and regulations relating to money laundering, including the Bank Secrecy Act,
PATRIOT Act, and Reconciliations.
 Thorough understanding of AML legal and regulatory issues and laws, OFAC/FATF requirements, and Suspicious Activity
Reporting.
 Extended expertise in Security Operations and Fraud Prevention
 Good knowledge of reporting requirements of various regulatory agencies.
 Extensive knowledge of methodologies for researching and analyzing compliance issues
 Operational excellence with Issue Tracking and Elucidation
 Capability to assess Regulatory & Compliance Risks and provide plans to control & mitigate them; develop/Implement
new tools to mitigate emerging risks
 Adept in managing & leading teams and experience of developing ways to grow partnerships with business leaders to
achieve a strategic position where Compliance initiatives are a positive brand differentiator in the marketplace
COMPETENCY MATRIX
 Team Management
 Anti-Money Laundering
 Banking Compliance
 Suspicious Activity Reporting
 Customer Due Diligence
 Sanction/Compliance
 Payments Investigation
 AML Investigations
 AML Policy/ Program Review
 AML Risk Assessment
 OFAC Testing
 Client Relationship Management
 Training & Mentoring
 Swift payment processing
 FX & investigation
 KYC Renewals & Remediation –
(CORPORATES,FUNDS,NBFI,FCB etc)
PROFESSIONAL EXPERIENCE
ORGANIZATION DESIGNATION DURATION

2. HCL Technologies, Mumbai Asst. Manager Jan’15 – Till date
TCS E-serve Pvt. ltd., Mumbai Team Leader jun’11 – Jul’14
Serco India Pvt. ltd., Mumbai
(Barclays Bank PLC)
Process Expert Apr’07 – May’11
Bharti Airtel ltd., Mumbai Senior Associate Nov’05 – Mar’07
Krishna Tools. Company supervisor Nov’03 – Oct’07
WORK BACKGROUND
Key Profile: As Asst. Manager
 Ensure proper AML/KYC Policy/Program Review with LOB
 Responsible for the documentation of AML/KYC Risk Assessment
 Assisting the onshore team with OFAC Testing/Screening/PEP.
 Ensure complete and proper implementation of regulations and guidelines regarding AML/KYC/CPMPLAINCE
 Verifying the Exemption status of the customer
 To ensure that a robust procedural framework protects the Businesses against money laundering. To monitor
Changes to business practices and products to ensure that procedures and controls on AML and Sanctions are
adequate to cover them.
 Reporting all the transactions of a suspicious nature to Financial Crimes Team.
 Preparing bi-weekly, monthly and yearly performance analysis report of the process and to present the analysis to
the team and to the management.
 Renewal / Review all the cases from work basket.
 Allocating cases to the team member regularly.
 Arranging and being active participant for the Governance Client call and meeting weekly basis.
 Maintaining quality as per the requirement of client standard (APAC & global).
 Supporting higher management in operational work.
Key Highlights:
 Span of control – Handling a 16 member experienced team of Case Leads
 Received several awards in the quarterly R & R’s for excellent and consistent performance
Key Profile: As Team Leader
 To establish, develop and maintain an effective Payment processing and Investigation piece and provide adequate
support through advice and guidance to in discharging their responsibilities to the Group for controlling AML risk
and associated reputational risk.
 Establishing healthy business relations with clients & external associates for securing repeat business & long term
loyalty and work towards solving their queries and complaints efficiently.
 Good knowledge of the business process within the banks (Fraud Management, Anti-Money Laundering) and
Payment Systems.
 Exposure to financial messaging standards like ISO20022.
 Conducting daily team huddle and updating team member’s regarding their weekly/monthly performance.
 Taken care of different Process i.e - Nostro reconciliations, FX/Inward/outward, Account Opening,
Sanction/compliance/investigation, Client Onboarding and file designs.
 Ensuring that the daily SLA’S are met before EOD to the client satisfaction.
 Provide Domain expertise in specific Verticals.
Key Profile: As Process Expert
 As a SME always highlight team Issues and Process related queries.
 Deals with different Cut-offs all 87 currencies and meeting Cut-offs all currencies.
 Booking of rates for payments that have value more than 25000 pounds.
 Training and monitoring new joiners for the process training.
 Providing Training for Payments/investigation, Banking Operation, Risk and Compliance with in team.
 Generating daily Stats & EOD reports.
 Knowledge of various search software’s related to process which helps the qualifier to process payments quickly
and easily.
 Monitoring Hourly queues and regularly interacting with onshore on phone for high value payments and deals.
 Keeping a check on individual performance and giving feedback accordingly.

3.  Regular Conference calls & Mails to our clients (Barclays) in UK in regards to Queries and Losses related to any
payment, which need to be discussed.
 Ensuring that the daily SLA’S are met to the client satisfaction.
 Keeping Team Motivated by having various team activities.
 Helping the Team Leader.
Key profile: As Senior Associate
 Manual Funds transfer / Cash reconciliation on a daily basis which included resolving exceptions related to
Swaps trade, Foreign exchanges, salary & charges payment etc. within the stringent deadlines
 Processing for Electronic payments of Barclays Bank. (Electronic Payments through Automated funds transfer
system).
 Verifier for FX (foreign exchange) Team, who Verify the payment before releasing it finally.
 Responsible for verification of SWIFT massages related to payments with transaction types (MT103. MT202,
MT010, MT101, MT200, MT199, MT020).
 Processing transaction through different clearing house i.e. CHAPS, TARGET2, EBA, FED, CHIPS, FEDWIRE
etc.
 Providing Quality services to the customer’s with the best company resources.
 Resolving customer’s issues and complaints with politeness and soft skills.
 Selected for a new profile called as Repeat Desk, where we were handling calls and resolving customer’s queries on
priority basis.
 Taking Escalations for the irate Clients and satisfy them being kind and gentle.
As Company supervisor
 Handling sales and manufacturing as per the order given.
 Supervise the factory workers and machines.
 Delivery and Collection of sold products.
PROCESS EXPERTIES
Compliance:
 Handling matters related to Prevention of Anti Money Laundering (AML), Asset Freeze related / Economic
sanctions related rules & local regulation by UK TRESURY ACT, PETRIOT ACT, SDN, and RBI & OFAC for
BFSI domain.
 Case management and resolution of cases based on alerts from the AML System.
 Managing the AML Compliance risk of the branch.
 Knowledge dissemination by trainings/workshops.
 Compliance checks on Banks adherence to AML/KYC process.
 Monitoring UN1267 and add/modify/delete the data accordingly.
 In-house advice on all regulatory issues. Also disseminate regulatory guidelines on time, and interpret the same for
the business.
 Write processes where required and ensure implementation of the guidelines.
 Assist in writing Manual of Instructions for Compliance, Business and Functions.
 Ensure reports, returns Act are sent to the Regulators and Head Office on time.
 Maintain Registers on various regulatory issues, breaches, complaints etc.
 Assist in the conduct Regulatory audits and the follow up and resolution of issues.
Application/Software Testing:
 Provide functional and domain related inputs for creation of Test scenarios and Test case.
 Review Business Scenarios, Test Scenarios and Test Cases.
 Participate in demos and requirements discussions to prospective clients.
 Global Pay-Plus (GPP), Flex cube, Citi Docs, AFTS Etc.
Projects:
 BCP site set up at Thane (50 user’s).
 Project Sherpa for reducing Delayed Payments worldwide.
 Project Bulls Eye for reducing Errors and Losses.
 Off shore Migration done for Europe (11 European countries)
EDUCATIONAL CREDENTIALS
Bachelor in Commerce from Mumbai University (2003)
PERSONAL PARTICULARS
Date of Birth: 2nd
March, 1982
Languages Known: English, Hindi & Gujarati
Nationality: Indian

4. Marital Status: Mumbai
Location Preference: Preferably Mumbai. However, relocation is not an issue
References: Will be pleased to furnish upon request