Smruti das
@smrutidas
Financial crime compliance leader driving AML/KYC investigations, governance, and executive-ready remediation.
IndiaWhat I'm looking for
I’m a financial crime, AML/KYC, investigations, and compliance professional with 12 years of experience across Wells Fargo, Deloitte, HDFC Bank, and Axis Bank. I bring governance-focused expertise in complex investigations, risk assessment, and regulatory and policy compliance, with a strong emphasis on quality and defensible outcomes.
At Wells Fargo as an Assistant Vice President, I lead employee misconduct, fraud, and whistleblowing investigations end to end—from allegation scoping and evidence review through interviews, fact-finding, risk assessment, and audit-ready reporting. I interpret internal policies and regulatory expectations to identify risk themes and recommend proportionate remediation or escalation, while partnering with Legal, Compliance, Employee Relations, Corporate Security, and business leaders across the US, UK, and Canada.
Earlier, at Deloitte, I managed AML/KYC investigations and enhanced due diligence for higher regulatory and reputational risk customers, including sanctions/PEP and adverse media review. I’ve also built KYC governance and AML controls capability through roles at HDFC Bank and Axis Bank, and I’m known for sound judgment, methodical case management, clear communication, and coaching peers to drive consistent standards.
Experience
Work history, roles, and key accomplishments
Led complex employee misconduct, fraud and whistleblowing investigations through scoping, evidence collection, interviews, risk assessment and audit-ready case documentation. Interpreted internal policies and regulatory expectations to recommend remediation or escalation, and provided executive reporting and coaching to peers.
Managed AML/KYC investigations, enhanced due diligence and financial crime risk assessments for customers with elevated regulatory or reputational risk. Reviewed customer and transaction information, performed sanctions/PEP and adverse media checks, ensured defensible documentation, and supported compliance remediation and governance through quality reviews and management reporting.
Manager, KYC Governance
HDFC Bank
Sep 2018 - Dec 2019 (1 year 3 months)
Managed KYC governance, customer onboarding and operational risk activities while supporting audit, compliance and quality reviews through accurate documentation. Investigated customer servicing issues, performed operational risk reviews to identify documentation deficiencies, and coordinated cross-functionally to resolve operational exceptions within SLA.
Deputy Manager, AML Controls
Axis Bank
Aug 2013 - Sep 2018 (5 years 1 month)
Performed customer due diligence, transaction reviews and AML compliance monitoring across regulated banking operations. Identified unusual activity and control exceptions using risk-based reviews, escalated matters for further action, and supported fraud prevention and regulatory risk mitigation through disciplined operational controls.
Education
Degrees, certifications, and relevant coursework
Certified Fraud Examiner (CFE)
Certified Fraud Examiner (CFE), Financial Transactions and Accounting
CFE certification in progress, with the Financial Transactions and Accounting module completed.
Manipal University
Post Graduate Diploma, Banking & Services
Grade: CGPA: 8.4
Post Graduate Diploma in Banking & Services from Manipal University. Achieved a CGPA of 8.4.
Biju Patnaik University of Technology
Bachelor of Technology, Electronics & Communication Engineering
Bachelor of Technology in Electronics & Communication Engineering. Completed undergraduate coursework in the ECE discipline.
ACAMS
KYC/AML Certification, KYC/AML
Completed ACAMS learning programmes, including a KYC/AML certification.
ACAMS
Forensic Accounting Certification, Forensic Accounting
Completed an ACAMS forensic accounting certification as part of ACAMS learning programmes.
Six Sigma Green Belt
Six Sigma Green Belt, Process Improvement
Completed Six Sigma Green Belt training/certification.
NISM–NSDL
Depository Operations Certification, Depository Operations
Completed NISM–NSDL Depository Operations certification.
AMFI
AMFI Certification, Mutual Funds
Completed AMFI certification.
IRDA
IRDA Certification, Insurance Regulation
Completed an IRDA certification.
Tech stack
Software and tools used professionally
Availability
Location
IndiaAuthorized to work in
Job categories
Skills
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