Manali Naik (CAMI certified)

Deputy Manager @ Kotak Mahindra Bank

About

Driven by a passion for safeguarding financial systems and a deep commitment to operational excellence, I specialize in transaction monitoring, anti-money laundering (AML), and fraud prevention in the banking sector. With hands-on experience across leading institutions like Kotak Mahindra Bank and Tata Consultancy Services, I bring over 6 years of expertise in protecting customer accounts and optimizing internal controls. From investigating suspicious transactions in real-time to handling high-risk refunds and managing AML escalations, I’ve consistently delivered measurable impact. At Kotak, I monitor critical alerts through Finacle and Dotnet, ensure real-time fraud detection, and maintain comprehensive MIS reports. At TCS, I led sensitive processes such as deceased account handling and acted as an Authorized Checker for high-value financial transactions. My efforts have been recognized through multiple Star Performer awards and management appreciation. What sets me apart is my analytical mindset, ability to act swiftly under pressure, and a proven record in reducing operational risks. I am VSkills-certified in AML/KYC and a proud CAMI certificate holder, continuously upgrading my domain knowledge. I’ve also enhanced my expertise through regular training in Banking Fraud Risks, Retail Banking, and KYC. Looking ahead, I aim to further specialize in financial crime compliance and fraud analytics, contributing to a secure banking ecosystem. I am seeking opportunities that allow me to combine investigative skills with strategic thinking to drive safer financial operations. Let’s connect if you’re looking for someone who thrives at the intersection of risk, compliance, and operational excellence. I’m open to collaboration, knowledge sharing, and growth opportunities in AML/Fraud Risk roles or related domains.

Country

India

City

Mumbai

Industry

Banking

Skill

Anti-Money Laundering, Microsoft Office, Banking, Transaction Monitoring, Aml, English, Microsoft Excel

Experience

Deputy Manager

Kotak Mahindra Bank

2023-12 - Present · 2 yrs 10 mos

Mumbai, Maharashtra, India

As a Deputy Manager in the RCU Transaction Monitoring Team, I play a pivotal role in fraud detection and AML monitoring for Savings, Current, and Kotak 811 accounts. I proactively review alerts generated through Finacle and Dotnet systems, investigate suspicious activities, and swiftly block high-risk transactions in real-time, minimizing potential financial losses. By calling customers directly and freezing accounts when necessary, I ensure timely risk mitigation. I’ve streamlined alert management by preparing detailed MIS reports and maintaining trackers for daily and monthly reviews. I’m also responsible for handling MHA cases My quick decision-making and deep understanding of fraud prevention tools contribute to safeguarding bank operations. My work supports internal control initiatives and enhances regulatory compliance within the team.

Back Office Employee

Tata Consultancy Services

2018-8 - 2023-10 · 5 yrs 3 mos

Mumbai, Maharashtra, India

At TCS, I managed critical financial operations for Citibank clients in the Retail Banking domain, with a strong focus on Credit Balance Refunds, AML checks, and Payment Verifications. I specialized in handling deceased accounts and high-risk monetary transactions, acting as an Authorized Checker to ensure accuracy and compliance. I successfully issued secure refunds to both Individual and Business accounts, following stringent validation processes. I identified and escalated suspicious activity per AML guidelines, contributing to financial crime prevention. I also led work distribution, SLA adherence, and team coordination in the absence of leadership. Recognized with multiple “Star Performer” awards, I consistently maintained 100% quality in account handling and earned appreciation from senior management for productivity. My work directly impacted customer satisfaction, compliance standards, and process efficiency.