Subhathira Sambandan has over 15 years of experience in banking and finance, including 2.5 years of experience in Know Your Customer (KYC) and Anti-Money Laundering (AML) regulation. She currently works as a Senior AML - KYC professional at Bank of America Merrill Lynch, where she performs quality assurance on client onboarding and documentation. Prior to this, she held roles in documentation, operations, and retail banking at organizations including Barclays Capital, Temasek Holdings, Development Bank of Singapore, and Indian Bank Singapore. She has a background in psychology, computer studies, and information technology.

1. Subhathira Sambandan Block 145 #03-54 Potong Pasir Ave 2 Singapore 350145
(Singaporean) 81983043 (Hp)
subha12s@gmail.com
Dynamic, detail oriented and a highly motivated professional with close to 15 years experience in various sectors within
Banking and Finance with 2 1/2 years of solid experience in Know Your Customer (KYC) and Anti Money Laundering (AML)
regulation with sound knowledge of wide range and complex variety of corporate/FIs/fund structure and a wide variety clients
types including private companies, Banks, Non-Bank FIs, hedge funds, Mutual Funds, Special Purpose Vehicle (SPV) and
Personal Holding Companies.
An experienced 'Know your Customer' practitioner with a proven track record for delivery and experience performing Quality
Assurance, identifying gaps, working on remediation, on boarding projects and reviewing KYC by ensuring compliance with
requirement and other related regulatory demands.
Skills
 AML Quality assurance and control
 Strong KYC research, documentation & on-boarding experience
 User Acceptance Testing
 Derivatives Operations
 Settlements
 Trade Support
 Retail Banking
 Proficient in Microsoft Office suite or applications
 Excellent Stakeholder Management
 Organized with excellent attention to detail
 Ability to focus on high quality work while under pressure
 Emphasize on Team building
 Excellent communication skills
Work Experience
Bank of America Merrill Lynch
Senior AML - KYC - Client On-boarding Sep 2013 – present
 Perform Quality Assurance check for the on-boarding teams ensure accuracy of documents requested, obtained and
data input in the client on-boarding tool. Also to ensure all procedures and policies have been met by the associates
for each on-boarding request.
 Team lead and provide cover for the manager for the Global Markets team. Lead various training on procedural and
policy updates for the team. Provide extensive training for new joiners and perform 4-eye checks for high-risk clients,
SPF/PEP, Economic Sanctions or negative media is involved.
 Global Markets, Global Banking, Investment Banking on-boarding and performing periodic Refresh of clients for Asia,
EMEA & US. Client types include FIs, Non-Bank FIs, Investment Vehicles (Hedge Funds, Mutual Funds, Special
Purpose Vehicles), Companies, Individuals, and Personal Holding Companies.
 Perform extensive document analysis based on global and local regulatory requirements and internal policies and
work closely with other stakeholders advising them on the type and suitability of the documents to be obtained.
 Perform enhanced due diligence on clients and key stakeholders (World check, RLSU, PRISM etc.). Investigating and
monitoring any suspicious activity that the client and its stakeholders might be involved in and liaise closely with the
Compliance Department. Escalating as per policy guidelines and in timely manner after through investigation,
providing necessary support to the compliance team.
 Responsible for the weekly reporting on the Temporary/Permanent waivers on documents granted by the compliance
team for Asia. This involves investigating if all the necessary approvals have been obtained and if they have been
captured in the system accurately. Following up with the associates if any remediation is required or if further
approvals are required. Also initiated modification to the current report and worked alongside with other teams
globally to roll out the modified report .
 Have successfully led 3 remediation projects (81 HongKong clients - where audit identified issues; 834 Global
Banking clients - self identified audit ; 160 Global Market clients - self identified audit) to completion well before the
expected due date.
 Performed UAT for various client on-boarding tools. Wrote test scripts and performed testing on the available
functionalities, detected errors and suggested possible solutions. Also suggested possible areas for system
enhancements. Trained team members to learn and adapt the new changes.

2. Barclays Capital
Documentation Analyst Sep 2007 – Aug 2012
 Affirm, check, chase and execute OTC Interest Rate Products (Paper / Swift / DTCC) including highly traded OTC
Interest Rate Products like FRA’s, Cross Currency Swaps, NDFs, Inflation Swaps, Swaptions, CMS etc. Occasionally
trained new joiners on products, procedures and system handling.
 Resolve trade related issues by liaising with Barclays Middle Office/ Front Office, Counterparties (such as Goldman
Sachs, Deutsche Bank, JP Morgan, Credit Suisse, BNP, Morgan Stanley, UBS and Calyon) and other Market
Participants. Occasionally liaise with legal to resolve the language breaks, refer to ISDA minutes for latest updates.
 Responsible for several reports :
 Gate-keeping report, which is to highlight to the team and management the trades that are potentially
'FED' reportable so that the team members could focus more on these trades and push for execution.
 Terms Disputed weekly report, which consolidates trades with outstanding issues, segregates according
to the outstanding number of days and types of issues. Compare it with the past weeks reports and analyze
what is the root cause and point out if there are any major issues that needs attention.
 Daily DTCC report to ensure that trades outstanding in DTCC are also input in the internal system. This is
to ensure that there are no unrecognized trades in DTCC after the New York teams leaves for the day.
 Performed UAT for system migration. Performed testing of the available functionalities, detected errors and
suggested possible solutions. Also suggested possible areas for system enhancements. Trained team members to
learn and adapt the new system.
Temasek Holdings
Contract Oct 2005 – Oct 2006
 Complete back office settlement operations relating to Foreign Exchange, NDF, Futures and Options.
 Usage of Bloomberg system to check the latest input of trades by the traders, amendments and published rates.
Usage of SWIFT to check and verify incoming and outgoing payments.
Development Bank of Singapore
Permanent part-time Jan 2002 – Mar 2003
 Retail Banking : - Roles include opening of new Savings and Current Accounts, Teller Payments, Customer
Inquiries, Cheque processing etc – Utmost importance to Customer service.
 Remittances :- Cross country remittances like Demand Drafts, Telegraphic Transfers, SWIFT Payments etc.
 Fixed Deposits :- Both local currency and Foreign Currency – opening, interest processing, maturity and pre-
closure payments
Indian Bank, Singapore
Permanent Mar 1992 – Mar 2000
 Worked extensively in Foreign Exchange Settlements.: Complete back office operations relating to Foreign
Exchange deals, Market SWAPs, Money Market transactions, settlement etc.
 Retail Remittances Cross country remittances like Demand Drafts, Mail Transfers, Telegraphic Transfers, SWIFT
Payments etc.
 Retail Banking Roles include opening of new Savings and Current Accounts, Teller Payments, Customer inquiries,
Cheque Processing etc – Utmost importance to Customer service and customer satisfaction.
 Fixed Deposits in local currency and Foreign Currency – opening, interest processing, maturity and pre-closure
payments.
 Trade Finance: Complete work flow involving opening of Letters of Credit, amendments, Import Bills processing,
Collection Documents, Export Letters of Credit, Foreign Bills negotiation etc; Knowledge of Uniform Customs and
Practices for Documentary Credits.
 Credit Department: Processing of loan applications for customers in Personal Banking and in Trade.
 Compliance requirements like MAS First schedule report compilation.
 User requirements in Automation of Bank’s IT systems during Y2K migration.
 Liaison with IT department and active involvement in User Acceptance Testing of EQUATION 3 Banking
application software and EXIMBILLS – trade finance package on AS/400 systems.
 Telecommunication Department: Processing Swift and telex messages. Distribution of incoming messages to the
relevant departments.
Education
Bachelors of Science, Psychology – Singapore Institute of Management University
(completed 2 years – discontinued since 2006)
Advance Diploma in Computer Studies - Informatics Computer School
(May 2002 to April 2006)
Diploma in Information Technology - Informatics Computer School
(May 2001 to April 2002)