RIYA SHRESTHA

• Core Compliance Monitoring: Scrutinise retail and corporate accounts using CBS, Finacle, and internal reporting tools to detect operational irregularities, scheme deviations, and regulatory breaches.
• Account Lifecycle & Discrepancy Audits: Audit account scheme changes, charge and fee deductions, interest calculations, and eligibility thresholds; systematically follow up with branches to remediate exceptions.
• Vulnerable & High Risk Retail Reviews: Conduct targeted reviews of minor, homemaker, and student accounts for scheme eligibility, KYC gaps, anomalous transaction velocity, and undisclosed beneficial ownership risks.
• Dormant Account Surveillance: Scrutinise dormant account reactivations, validating reactivation documentation, operational legitimacy, and post-activation transaction velocity to prevent unauthorised or fraudulent reactivation.
• Cross-Border, Expat & NRN Compliance: Review foreign national, refugee, and Non-Resident Nepali (NRN) accounts to guarantee valid regulatory identification, passport/visa documentation, and account operating mandates.
• Commercial Misuse Detection: Investigate personal accounts for unauthorised commercial/business use and detect illegitimate tourist account facility operations.
• AML/CFT Risk Escalation: Detect red flags and suspicious transaction patterns; compile detailed case summaries for swift escalation to the AML Unit for Suspicious Transaction Report (STR) / Suspicious Activity Report (SAR) determinations.
• Branch Inspections & Remediation: Execute onsite branch audits and offsite compliance evaluations; prepare compliance reports and coordinate corrective actions with branches.
• Staff Training & Capacity Building: Train newly recruited trainees on AML/CFT principles and internal compliance procedures.

Supported end-to-end operational compliance reviews against internal bank policies and Nepal Rastra Bank directives. Assisted with documentation, issue follow-up, and branch coordination.