Open to opportunities

Varsha Ratan

@varsharatan1

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Financial Crime Compliance analyst specializing in KYC, EDD, sanctions screening, and AML risk mitig

India

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What I'm looking for

I seek a mid-senior FCC/AML role where I can lead EDD/KYC efforts, mentor junior analysts, work cross-functionally, and strengthen risk-based compliance frameworks while growing into broader compliance leadership.

I am a Financial Crime Compliance professional with over 3.5 years' experience in KYC monitoring, CDD/EDD, sanctions screening, and transaction monitoring across financial services and cryptocurrency sectors.

I have led EDD/KYC reviews, adjudicated sanctions and PEP alerts, contributed to SARs, and mentored junior colleagues while driving QC and process improvements. I apply a risk-based approach to ensure regulatory compliance (FATF, OFAC, EU) and deliver clear guidance to stakeholders.

Experience

Work history, roles, and key accomplishments

Current

Senior Compliance Analyst – EDD

Current

Coinbase

Jan 2025 - Present (8 months)

Led comprehensive Enhanced Due Diligence (EDD) and Know Your Customer (KYC) reviews for high-risk individual customers, playing a key role in the KYC periodic review process. Adjudicated and managed alerts from Sanctions, Politically Exposed Persons (PEP), and Adverse Media screenings, clearing and/or investigating possible matches generated by scanning applications.

Enhanced Due Diligence (EDD)Know Your Customer (KYC)PEP Screening AML Cross Functional Collaboration

Ongoing Monitoring Analyst

Tide

Jun 2023 - Jan 2025 (1 year 7 months)

Conducted comprehensive KYC/CDD analysis, meticulously evaluating customer profiles and transaction data to verify identities, assess risk, and ensure regulatory adherence, applying a risk-based approach. Managed and validated the work of junior colleagues by conducting QC reviews of files/cases submitted by Officers, ensuring high standards and adherence to required processes and timelines.

KYC CDD Analysis QC Reviews Documentation Management Investor Relations AML CDD Query Resolution Compliance

Transaction Risk Investigator

Amazon

Jan 2022 - May 2023 (1 year 4 months)

Monitored and analyzed high volumes of financial transactions using automated AML systems to identify suspicious activities and ensure regulatory compliance, demonstrating a risk-based approach. Conducted thorough name screening checks on cross-border transactions using Automated Sanctions Screening Tools (ATS), analyzing screening results to determine the relevance and risk level of potential mat

Transaction Monitoring AML Regulatory Compliance Fraud Prevention Risk Assessment Cross Functional Collaboration

Education

Degrees, certifications, and relevant coursework

Keshav Memorial Institute of Management

Master of Business Administration (MBA), Business Administration

2021 - 2023

Completed a Master of Business Administration, focusing on advanced business principles and management strategies. Developed strong analytical and leadership skills applicable to various industries.

Badruka College of Commerce and Arts

B.com (Computers), Commerce (Computers)

2018 - 2021

Earned a Bachelor of Commerce with a specialization in Computers. Gained foundational knowledge in both business and computer applications, preparing for a career in technology-driven financial sectors.