I’m looking for a role where I can apply AML red-flag frameworks to high-volume annuity operations, escalate confirmed cases to an FCU, and collaborate with U.S.-based client teams - while continuing my CAMS growth (remote-friendly if possible).
Open to opportunities
Ashutosh Kumar
@ashutoshkumar16
AML & fraud detection specialist with 6+ years in U.S. annuity operations, ensuring regulatory compliance and stopping financial crime.
IndiaWhat I'm looking for
I’m an AML & Fraud Detection Specialist focused on U.S. insurance and retirement services, bringing 6+ years of experience in Annuity Operations and Financial Crime Prevention. I apply AML red-flag frameworks to detect fraudulent annuity transactions—such as structuring patterns, newly established account flags, and third-party manipulation—and escalate confirmed cases to the Financial Crimes Unit (FCU).
In my current role as an Analyst 1 – Annuity Claims & Fraud Detection at DXC Technology, I identify and escalate suspicious transactions using red flags like unusual withdrawal patterns and unauthorized third-party activity. I also execute and audit 40+ daily U.S. annuity transactions (Systematic Withdrawals, 1035 Exchanges, Full Surrenders, Ownership Changes, and Tax Changes/W-4P) with 98%+ accuracy, supported by rigorous QA and multi-point validations to ensure 100% regulatory compliance.
Previously, I served as a Senior Process Associate – Annuity Operations at Zinnia (Formerly SE2), acting as a Subject Matter Expert for high-tier escalations and leading training and onboarding for new operational hires. I’m also actively preparing for CAMS certification, and I bring strong domain depth across AML/KYC principles, case escalation, SLA/QA management, and data-driven compliance.
Experience
Work history, roles, and key accomplishments
DT
Current
Analyst 1 – Annuity Claims
DXC Technology
Dec 2023 - Present (2 years 7 months)
Identify and escalate suspicious annuity transactions to the Financial Crimes Unit (FCU) using AML red flags, including structuring patterns, newly established accounts (under 30 days), and third-party manipulation. Process and audit 40+ daily U.S. annuity transactions (e.g., Systematic Withdrawals, 1035 Exchanges, Full Surrenders, Ownership Changes, Tax Changes W-4P) with 98%+ accuracy and enforc
Current
Identify and escalate suspicious U.S. annuity transactions to the Financial Crimes Unit (FCU) using AML red-flag frameworks. Audit high-value annuity transaction processing (e.g., Systematic Withdrawals, 1035 Exchanges, Full Surrenders, Ownership Changes, and Tax Changes W-4P) with strong QA controls and regulatory compliance.
ZS
Senior Process Associate (Annuity)
Zinnia (Formerly SE2)
May 2021 - Aug 2023 (2 years 3 months)
Serve as a subject matter expert for high-tier escalations, resolving critical account issues and complex 1035 Exchange structures. Manage end-to-end processing for high-value annuity accounts and train/onboard new operational hires while auditing output against client SLAs with data-driven feedback.
ZI
Senior Process Associate - Annuity Ops
Zinnia
May 2021 - Aug 2023 (2 years 3 months)
Serve as a subject matter expert (SME) for high-tier annuity operation escalations, resolving critical account issues and complex 1035 Exchange structures. Lead end-to-end processing for high-value annuity accounts and train new operational hires while auditing outputs against client SLAs.
ES
Process Associate – Insurance Operations
EXL Service
Jun 2019 - Dec 2019 (6 months)
Administer group policy lifecycles for major corporate clients, including enrollments, data modifications, and account terminations. Compile and deliver Schedule A compliance documentation to support error-free regulatory reporting to brokers and stakeholders.
Manage client relations and dispute resolution across voice and email channels for U.S.-based clientele. Consistently meet or exceed CSAT and SLA targets.
Education
Degrees, certifications, and relevant coursework
Kalinga University
Bachelor of Arts, English
Completed a Bachelor of Arts degree in English at Kalinga University in 2017.
Tech stack
Software and tools used professionally
Availability
Open to opportunities
Location
IndiaAuthorized to work in
Salary expectations
20k-25k USD
Social media
Job categories
Skills
Fraud DetectionFinancial Crime PreventionAnnuity OperationsAnnuity ClaimsAML Red Flag IdentificationLayering Structuring DetectionSystematic Withdrawal Plan (SWP)1035 ExchangesSurrendersPartial WithdrawalW 4 ChangesKYCNew Account FlagsNIGO ResolutionFCU Case EscalationSLA ManagementTableauData ValidationFinancial AuditingCRM SystemsWorkflow ManagementData VisualizationCompiled
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