Open to opportunities

Bhumi Sarraf

@bhumisarraf

Message

Detail-oriented financial crime specialist skilled in AML, transaction monitoring, and investigations.

India

Message

What I'm looking for

I seek a role in financial crime/AML where I can lead complex transaction investigations, improve detection controls, and contribute to a compliant, risk-aware culture.

I am a detail-oriented Financial Crime Specialist with extensive experience in transaction monitoring, AML, sanctions screening and fraud detection across global banking environments. I have investigated SWIFT messages, drafted Suspicious Matter Reports (SMR), and worked end-to-end on AAA (Assess, Analyze, Act) workflows using tools such as Mantas and sanctions screening (OFAC, EU) while applying regulatory frameworks like AUSTRAC and BSA/Patriot Act.

I bring proven strengths in identifying red flags (PEP, shell companies, unregistered MSBs, card fraud, identity theft, structuring), performing due diligence and large-data analysis, and preparing clear case narratives. I collaborate effectively with cross-functional teams, contribute to operational risk control activities, and leverage emerging tools including Co-pilot/Gen AI to improve detection and reporting outcomes.

Experience

Work history, roles, and key accomplishments

Current

Senior Associate

Current

Commonwealth Bank of Australia

Jan 2025 - Present (9 months)

Assess and investigate transaction monitoring and SWIFT alerts under AML and Trade Sanctions policies, drafting Suspicious Matter Reports (SMR) per AUSTRAC guidelines and escalating high-risk cases to protect the bank from financial crime.

Transaction Monitoring AML Swift SMR STR Writing Investigation Risk Assessment GenAI Report Writing

Senior Officer, Transaction Monitoring

Standard Chartered Global Services

Feb 2023 - Jan 2025 (1 year 11 months)

Conducted end-to-end AML assessments (AAA), monitored correspondent banking transactions, performed sanctions screening using OFAC/EU lists, and investigated complex alerts using Mantas to identify shell companies, PEPs, and other high-risk activity.

Transaction Monitoring AML Mantas OFAC EU Searches Due Diligence Investigation Risk Assessment

Relationship Manager

ICICI Bank Ltd

Jul 2021 - Feb 2023 (1 year 7 months)

Generated leads and grew customer base through 360-degree banking services, implemented sales strategies and cross-sell initiatives, and managed branch operations to improve customer acquisition and retention.