Sagar Ghosh

Led AML/KYC and risk-compliance consulting for Tier-1 banks across UAE/APAC, managing end-to-end KYC for high-risk and PEP customers while maintaining >98% QC accuracy and 100% SLA adherence. Performed real-time payments sanctions screening and investigated PEP/adverse-media matches using LexisNexis/TLO/OSINT, and streamlined EDD case turnaround by optimizing screening workflows and templates.

Delivered end-to-end AML/KYC services for global financial institutions in line with FinCEN/FATF and local requirements, including CDD/EDD and sanctions screening with risk classification for individuals and entities. Led transaction monitoring alert reviews (L1/L2) and investigated cryptocurrency monitoring alerts for a U.S. crypto exchange, serving as QC reviewer and pod lead while maintaining a

Led KYC audit reviews and customer risk assessments, identifying compliance gaps and escalating anomalies to senior compliance leadership. Conducted KYC verification and audit controls for high-risk customers aligned with RBI and internal bank guidelines, and coordinated with credit monitoring and operations to support compliant onboarding and remediation.

Performed KYC reviews, remediation, and AML compliance reporting for retail and business banking customers, supporting onboarding and periodic reviews aligned to RBI AML/KYC master directions and internal policies. Supported internal audits and regulatory reporting through evidence gathering and audit-ready documentation, and escalated suspicious transaction indicators to support STR/SAR processes

Managed client equity and mutual fund portfolios, providing investment advisory and suitability assessments in compliance with SEBI regulations. Maintained accurate client KYC records and ensured correct transaction documentation across equity and mutual fund products.

Completed the Certified Finance Expert Programme at Frankfurt School of Finance & Management.

Earned a Bachelor of Commerce (Honours) at St. Xavier's College, Kolkata.