KPMG Careers

Welcome to KPMG Careers 2018-19, 2019 Section. Carees in KPMG are in too much demand these days because of booming it industry. Here you will find KPMG Careers, Job Vacancies for Freshers, Graduates and MBA Students in India, Mumbai, Pune, Kolkata, Bangalore and Gurgaon. Here you will find listing of all the careers in KPMG which will help you to apply for jobs in KPMG India.

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(Disclaimer : These Jobs and placement papers has been sourced from various sources like print media, job consultants, past candidates, our users and/ or Company website. Users are advised to check with the company for latest requirements before applying for the job. These placement papers doesn't guarantee a job in the company. These could be used only for preparation. We donot guarantee the authenticity of these placement papers as they are sourced from various sources. Our website will not be responsible for any loss to the company or the candidate. We have no relation with the company and are not responsible for the validity of this Job. We donot charge the company or candidate or any student anything. If the respective company has any issue with the data provided or they want any particular job or placement paper to be removed they can write into us at infinitecourses@gmail.com)

Comments / Reviews / Queries

  • Hi, I am working in Genpact Jaipur from last 3 years in Accounts Payable domain. I a persuaing in MBA correspondance. I have done my graduation in BBA and did one year certification course in Accounts payable. I worked on Invoice processing, Audit, Liability reduction, Reconciliation, Disbursement etc. Is there any job which suits on my profile. I am comfortable in 24*7 shift. Posted by : Varsha Agrawal on 14-09-2013 Report Abuse
  • provide me finance ,tax back office operation job in gurgaon Posted by : rahul veer singh on 18-07-2013 Report Abuse
  • I have done my MBA marketing from Mumbai University. BE computer Mumbai University 16 months exp in ITES company (LearningMate Solutions Pvt Ltd) 19 months Exp in THe Federal Bank Ltd. Posted by : Sagar Deshpande on 15-04-2013 Report Abuse
  • hi, Razin Haroon from banglore, i have completed my graduation in bcom and 9 months experience in an audit firm. I am looking for a job in KPMG to work with a reputed firm where also i can gain knowledge. Posted by : Razin Haroon on 04-03-2013 Report Abuse
  • HI Just want to know about the current openings in KPMG.It would be of favour I can come to know through alertsngs in Finance and Accounts Profile.And want to have the email id or any contact no to send the resume. Posted by : Rakesh Tiwari on 01-03-2013 Report Abuse
  • as me awaiting my ipcc results,wants to join ur firm as a article in your company...when are the interviews date scheduled,please let me know.....i am going to appear for final year b.com in march 2013 as well... Posted by : siddharth jain on 31-01-2013 Report Abuse
  • Hello, i am prachi solanki from baroda. I have cleared 2nd group of CA final & have appeared for 1st group in november'12. I am looking for job in KPMG to work with professional people and to gain knowledge for better future. Posted by : prachi on 11-12-2012 Report Abuse
  • Hi, I am Ratnadeep Saha, MBA Finance. Working with Acclaris Business Solution Pvt. Ltd. Kolkata since February 2012. Looking for job in KPMG. Posted by : Ratnadeep Saha on 03-12-2012 Report Abuse
  • Hello, this is Priya Beniwal working with IBM GPS Gurgaon as HR Executive. Looking for change , Please let me know if there is any opening for HR Executive. My mail ID- priya.beniwal04@gmail.com. Posted by : Priya Beniwal on 01-07-2012 Report Abuse
  • I am a graduate, looking for a job in kolkata Posted by : Rohit Sharma on 06-06-2012 Report Abuse
  • Hi Iam Nikhil Sharma , I have done my CA Inter and have given exams for CA Final , just wanted to have information that will i be elegible for the jobs In KPMG Posted by : Nikhil Sharma on 06-06-2012 Report Abuse
  • Dear Sir I am a student pursuing commerce. I wish to pursue my career with KPMG. I therefore need tour guidance to step in the right direction. Regards Richa S. Gupta Posted by : Richa S Gupta on 28-05-2012 Report Abuse
  • what is the rank in eamcet to get top 10 colleges in AP in CIVIL & MECH?? Posted by : kranthi on 19-04-2012 Report Abuse
  • HI . my name is deepa . if there is any vacancy in kpmg .please let me know. as front office work. Thank's and Regards deepa Posted by : Deepa on 10-04-2012 Report Abuse
  • Dear Sir/Mam, I have Cleared the Chartered Accountancy-Final Group I in May 2011 and will be appearing for the Group II in May 2012. I have {(3.5 years of Articleship) and (3 months of Management Trainee)} Experience with Price Waterhouse (PWC, Kolkata) . I would like to join your prestigious firm as a Semi Qualified after Mid May 2012 and would like to continue with the firm after the results. I wanted to know the procedures for application. Posted by : Vaibhav Rathi on 22-03-2012 Report Abuse
  • i saonia aggarwal passed b.com from d.univ. & now doing mba @ german advance digree from delhi univ. i want job Posted by : sonia aggarwal on 20-03-2012 Report Abuse
  • I have completed MCA from TMV Pune first division. I am interested to work with KPMG in IT job according to my qualification. please reply or contact me Posted by : Dilesh tank on 16-03-2012 Report Abuse
  • Hi I have completed MBA in finance from BVUSDE..And wants to join KPMG Finance Field...Please do contact me ASAP Posted by : Saumya Swarna on 15-03-2012 Report Abuse
  • i have cleared my ipcc group 1 in nov 11 with 65 % marks and i am keen to do my aricleship in kpmg. what is the procedure for applying? Posted by : sakshi on 05-03-2012 Report Abuse
  • Hi, i am currently pursuing B.Com Honours(2nd year) in Christ College, Bangalore. i will be specialising in Accounting,Audit and Tax in my third year as a part of our twin specialisation programme. Therefore, may i know the procedure for applying for internship in KPMG? Regards, Shilpa Prasad. Posted by : shilpa prasad on 04-03-2012 Report Abuse
  • I am looking for exploring opportunities in the area of Internal audit at KPMG, So would like to enquire if there is any hiring going on . I am a CA-Final (First attempt) Posted by : Utsav jha on 02-03-2012 Report Abuse
  • Resp Mam/Sir I am MCA 2011 passout and right now I am working in National Informatics Centre .Please let me know any oppurtunities in your organisation. Thank You Posted by : Geetanjali Kulkarni on 24-02-2012 Report Abuse
  • Respected sir/madam I've cleared CA-IPCC both groups in Nov. 2011 and I'm willing to apply in your firm for CA articleship as an aricle assistant along with doing B.com form Rajasthan University. I'll be thankful to you if you could please tell me whether I'm eligible for the position, are there any vacancies, how to apply for such position in your renowned firm and what is the last date for it. Thanking You Siddhi Posted by : Siddhi Jagani on 20-02-2012 Report Abuse
  • hi, I am Vijay, Finished my CA Inter (1st group) and having experience in CA firm for more than 3 years (total 5yrs exp) and currently working in Capgemini Business Pvt ltd. Would like to Join KPMG. pls let me know the procedured for applying. Posted by : Vijay on 16-02-2012 Report Abuse
  • I m b.com graduate completed in 2011. Currently working in Maersk Global Service Centres India Pvt. Ltd. in FNA (dispute)as an officer. what job oppurtunities are here for me and how can i apply for it? Posted by : priti jaiswal on 14-02-2012 Report Abuse
  • Hello Sir, I have done MBA finance and worked for 1 year for US taxation . Are there any vacancies for the same profile. Posted by : swati on 30-01-2012 Report Abuse
  • i am a 2011 engineerin graduate...i wanted to knw if der is any vacancy in mgmt positions Posted by : manjushree on 23-01-2012 Report Abuse
  • i want to start up my article ship with kpmg . what is the procedure for the same? where i should give my cv etc.? Posted by : Anil Sarvaiya on 20-01-2012 Report Abuse
  • sir, i m fresher...done b.com ,cleared ipcc 1st group..also done diploma course frm niit...right now pursuing mba frm ip presently at 2nd sem...want 2 do my summer intership in finance/it...hv no idea abt it...does ur company provide for mgmt intership...or wil u suggest me some good companies at delhi..?? Posted by : neha gaba on 14-01-2012 Report Abuse
  • Dear Sir/Madam, My Name is bijo,i am looking job in tourism sector. i am graduate in B.A Economics & also done IATA/UFTAA foundation course. Right now i am working in I.T MNC In admin process. Let me know there is any positions related to my course, admin process etc. In Admin i have 1.4 years of experience. Please let me know if you have any vacanies in ticketing, admin, ground staff, airlines,etc Posted by : Bijo Babu on 12-01-2012 Report Abuse
  • Hi sir/Mam, do you have any VACANCY for sql and .net candidate Posted by : Gajender Kumar on 09-01-2012 Report Abuse
  • do you have any cs internship vacany? Posted by : ashima arora on 07-01-2012 Report Abuse
  • I have completed my graduation from delhi university and pursuing MBA from ICFAI... Presently i am working with Genpact for last 4 years in F and A, Accounts Payable Dept. I am intrested to built my career with KPMG. Kindly let me know the procedure for applying for the same. I look forward for your early responce. Posted by : Priyanka on 04-01-2012 Report Abuse
  • Ihave cleared my Ca Final @nd group, and cwa inter with all india 50 th rank. want to join your organisation. preferebly in taxation wing. kindly contant me at 9903719715 Posted by : samudra saha on 30-12-2011 Report Abuse
  • IS THERE CURRENT VACANCY FOR MIS OR CONTENT WRITER Posted by : SWATI on 29-12-2011 Report Abuse
  • Hi ! I recently qualified as a chartered Acountant .i have 5 years of industry experience,want to join KPMG,anyone please suggest me at- ca.amitkrjaiswal@gmail.com !!! Posted by : amit jaiswal on 29-12-2011 Report Abuse
  • Hi ! I recently qualified as a chartered Acountant .i have 5 years of industry experience,want to join KPMG,anyone please suggest !!! Posted by : AMIT JAISWAL on 29-12-2011 Report Abuse
  • is there any vacancy for internship ? Posted by : anubhav kushwaha on 26-12-2011 Report Abuse
  • i have passed ca intermediate (pcc) with 32 rank. i am willing to pursue my remaining articleship in kpmg.if suitable contact me on 9716434112 Posted by : kunal mendiratta on 24-12-2011 Report Abuse
  • I AM GRADUATE BBA FROM I.P UNIVERSITY , CA FINAL STUDENT ( PASSED PCC IN 5 ATTEMPTS ) WANNA WORK & LEARN SPECIALISED SKILLS IN AREA OF TAXATION , AUDITING , SHARE & SECURITIES MGT NOT INTERESTED IN : ACCOUNITING & CLERICAL STUFFS IN CASE OF PART TIME JOB B/W 12PM TO 5PM DO LET ME KNOW Posted by : shubham jain on 18-12-2011 Report Abuse
  • have passed FIRST group of IPCC in may 2011 wid 50% marks.. Sir i Want to pursue my Articleship with KPMG..So plese let me know if there are any vacancies and the process for the same... thank you.. Posted by : ROHAN KHARBANDA on 15-12-2011 Report Abuse
  • Dear Sir/mam I have completed my graduation 2011.my branch has E&TC .any opening for freshers plz send me reply. Posted by : Shakti Kumar on 12-12-2011 Report Abuse
  • WELL IAM LOOKING FOR A JOB IN KPMG AS I DID LL.B FROM AMRITSAR AND DID VARIOUS LEGAL INTERNSHIP IN CORPORATE SECTOR...PLEASE KINDLY LET ME KNOW.THANKYOU.09872134176 Posted by : AMINDER on 12-12-2011 Report Abuse
  • i am commerce graduates in 2008(B.COMM) AND .M.B.A IN marketing and HR 2010. i am working with bank of america from last one year. may i also apply in kpmg Posted by : kamal jeet singh on 11-12-2011 Report Abuse
  • Hello, I have cleared my CA-CPT in June 2009 as well as my CA-IPCC in May 2011 (both 1st attempt) and I am willing to join KPMG for my articleship training and also to pursue my career further in Accounting, Finance and Business @ KPMG. i am also doing my B.COM(Professional Accounting) final year with one more semester left. In addition, I wish to have my career taken a step forward by doing ACCA (Association of Chartered Certified Accountants) n I am wanting to do the same while working along with KPMG. Using my academic knowledge and professional skills, I wish to make significant contribution in the Accounting Profession & Finance, thereby adding value to the organization and myself. I would like my role to keep evolving, and to gain more exposure on the business side so that I can contribute further to my career ambition. I look forward to an exciting and challenging career that has a congenial working environment and provides excellent opportunities for professional advancement. Should there be any suitable vacancies or other ways closely related to my requirements, kindly do the needful n provide me the opportunity to fulfill my career ambitions with great success. Thank you. Posted by : Kavith G Kapasi on 10-12-2011 Report Abuse
  • I have passed both groups of IPCC in may 2011 wid 60% marks.. Sir i Want to pursue my Articleship with KPMG..So plese let me know if there are any vacancies and the process for the same... thank you.. Posted by : Gopal Krishan on 09-12-2011 Report Abuse
  • I have 1.5 years of experiance in Banking industry .I am looking forward to join KPMG inservice and research department kindly guide me how to apply for it. Posted by : Shraya on 07-12-2011 Report Abuse
  • Hi, i have a total experience of 5 Years. 4 Years with Convergys in Credit cards Disputes and 1 Year with ACS a Xerox Company and still working in ACS. I want to join KPMG as an Analyst. Please suggest can I come for Interview. Regards, Amit Posted by : Amit Bhatnagar on 06-12-2011 Report Abuse
  • I AM CA FRESHER AND WANT TO WORK IN KPMG CONTACT ME AT +918054979279 Posted by : PRINCE KUMAR on 05-12-2011 Report Abuse
  • wants to do articleship as aCA Fresher with the dynamic and energetic bodies of KPMG Posted by : shikha bansal on 02-12-2011 Report Abuse
  • hello, I am a MBA finance from Uttar Pardesh technical University. wanted to do career with kpmg in finance what are the future career opportunitys for me in kpmg.??? ABHISHEK GUPTA P-230 Phase-3rd Shivalik Nagar BHEL Ranipur HARIDWAR 91- 9760919409 abhishekgupta172@gmail.com CAREER OBJECTIVE To work with elite company and helping the company to achieve the organizational goal while enhancing my Personal and Professional skills. PROFESSIONAL QUALIFICATION MASTER OF BUSINESS ADMINISTRATION Full-time 2year MBA program with dual specialization in Finance & Human Resource ? During the course my core learning: Management, Financial Management, Insurance and Risk Management, Tax Management, Cost and Management Accounts, accounting of payables, receivables, reconciliation, MIS and confirmations. Banking operations RSTD (recruitment, selection and training & development), OSCM (operations and supply chain management), Human Resource Management. ACADEMIC QUALIFICATIONS ? Graduation : B.Com in 2009 S.M.J.N (P.G) College, HARIDWAR, (HNB GARHWAL, UNIVERSITY) ? Intermediate: COMMERCE (CBSE) in 2006 KENDRIYA VIDYALAYA, HARIDWAR (U.K.) ? Matriculation: (C.B.S.E) in 2004 KENDRIYA VIDYALAYA, HARIDWAR (U.K.) PROJECTS UNDERTAKEN ? “Research On Micro finance development in Western (U.P) ” under the guidance of Mrs Swati Agarwal (H.R & Marketing) & Mr. Digvijya Singh(Finance) ? Training & Development(Sahara India Ltd) under the guidance of Mrs. Surbhi Khosla, (Human Resource Management) SUMMER INTERNSHIP UNDERTAKEN ? Done 6 weeks Industrial training in “Bharat Heavy Electricals LTD”, Haridwar Uttarkhand from 23th June 2010 to 07 Aug 2010. o Project title is “WORKING CAPITAL MANAGEMENT” o A good know- how of inventory management, cash management in BHEL. o Documentation learnt for inventory handling-GRN, BOM, GMS, GIN etc. CURRICULAR & CO-CURRICULAR ACTIVITIES ? Participated in Management Conclave suppoted by CII (Confederation of Indian Industries) ? Acting as a student Editor for the College wall Magazine ? Active participant in various activities being organized in the college KEY SKILLS AND ATTRIBUTES ? Good communication skills ? Punctual ? Smart Worker ? Optimistic Attitude COMPUTER PROFICIENCY ? Operating Systems: Window: 98, XP, Vista & 7. ? Application Software’s: MS Office, Paint ? Good at Networking PERSONALITY TRAITS ? Ability to perform well under tough challenging conditions. ? Team person. HOBBIES ? Reading . ? Net Surfing ? Listening Music PERSONAL DETAILS Date of Birth : 12-05-1989 Father’s name : Mr. Madan Lal Gupta Gender : Male Permanent Address : P-230 Phase-3rd Shivalik Nagar BHEL Ranipur Haridwar(U.K) Marital status : Unmarried Nationality : Indian Language Known : Hindi & English. Place: Date: Abhishek Gupta Posted by : Abhishek gupta on 26-11-2011 Report Abuse
  • Sir, i have completed my Graduation From Hans Raj College(B.Com(H)).I have also completed My CS Inter in !st attempt And pursuing Now CS final.I want to work wiyth dis company for a better start.plz help me hw can i apply for this. Posted by : tannushree on 17-11-2011 Report Abuse
  • hello, I am a MBA finance from pune University. wanted to do career with kpmg in finance what are the future career opportunitys for me in kpmg.??? Posted by : mohit lungikar on 15-11-2011 Report Abuse
  • I am PGDM (Finance) and a working professional.I am looking after accounts and finance of the company looking my career at KPMG.I am a commerce graduate from Calcutta University. Posted by : VIVEK on 05-11-2011 Report Abuse
  • I am PGDM (finance) and have 1.5+ years of experience in accounts and finance as "Sr. Executive Accounts & Finance"and looking for my future at KPMG how can I proceed.I am a commerce graduate from Calcutta University. Posted by : VIVEK on 05-11-2011 Report Abuse
  • i am pursuing mba in international business and i want to do the summer internship in kpmg next yr(2011). kindly tell me how to go about it. Posted by : prerna on 03-11-2011 Report Abuse
  • I am a CA Fresher.I am interested to work with KPMG. Please reply. Regards, Amee Shah. 9007226686 Posted by : Amee Shah on 01-11-2011 Report Abuse
  • I am pursuing my PG in Construction Mgmt. Completed my B.E in NIT Warangal. I want to be a part of KPMG as risk/ financial analyst or valuation of projects. I have 1yr experience in construction industry, in Shapoorji Pallonji Co. Ltd. Please help me out how to apply Posted by : Venkat on 01-11-2011 Report Abuse
  • i have qualified C.P.T & IPCC(both group) in 1st attempt.and completed 8 months articleship training and now i want to join KPMG in auditing department for better career opportunity. Posted by : kush kumar on 31-10-2011 Report Abuse
  • I am freshly qualified CA and want to join KPMG. Please help Posted by : Harish Tolani on 31-10-2011 Report Abuse
  • I have completed my B.A.Vocational from Delhi University . I am interested to work with KPMG in Risk or Audit Department .My Total work experience 4 year risk management & finance divsion.Please reply to me job according to my qualification & experience. Posted by : kailash singh on 30-10-2011 Report Abuse
  • I have a work exp. of 2 yrs as a technical support associate, currently working with Dell, want to apply for KPMG, please give me directions. waiting to hear from you soon. Regards. Posted by : Devendra Mishra on 27-10-2011 Report Abuse
  • I have passed both groups of IPCC in mat 2011.. Sir i Want to pursue my Articalship with KPMG..So plese let me know if there are any vacancies and the process for the same... thank you.. Posted by : Devendra Singh Negi on 21-10-2011 Report Abuse
  • Sir, I am a qualified CA this May 2011. Your recruitment portal is under repairs since a long time and also I tried applying directly but the step till the interview process is also taking hell lot of time. Is there any way out? Posted by : Arushi Shah on 20-10-2011 Report Abuse
  • I have a total experience in SPCL for 9 months. Currently pursuing MBA(Post Graduate Programme in Advanced Construction Management) in NICMAR Hyderabad. I am looking for a finance job, risk analysis in construction projects etc. How do I apply for KPMG. Plz suggest.... Posted by : venkat on 14-10-2011 Report Abuse
  • Send any job interview schedule for me Posted by : Mohideen Abdul Khadar on 13-10-2011 Report Abuse
  • Hello KPMG Team, i have a total working experience og 4.5 yrs in verification. i am currently working for Securitas-India (A MNC company) in Gurgaon & looking for a job change. pls help. Poonam Sharma Posted by : Poonam Sharma on 12-10-2011 Report Abuse
  • Sir i have completed my B.COM from venkteshwara college Delhi university, now wants to work in your firm, please give me direction. Regards. Posted by : manmohan on 12-10-2011 Report Abuse
  • The following are examples of potential indicators for both money laundering and terrorist financing. Although these lists are not all-inclusive, they may help associates recognize possible money laundering and terrorist financing schemes. Line of business associates’ primary focus should be on referring potentially suspicious activities, rather than on determining whether the transactions are in fact linked to money laundering, terrorist financing, or a particular crime. The following potential money laundering indicators, when encountered, may warrant additional scrutiny. The mere presence of one of these indicators is not by itself evidence of criminal activity. Closer scrutiny should help to determine whether the activity is suspicious. If there is no apparent or known business reason for engaging in the behavior, the customer and the activity should be reported. Every line of business must have a process in place to escalate unusual and potentially suspicious activity to Global AML or a Global AML designated area for further analysis, possible investigation and reporting to the appropriate government authorities. This may be accomplished through, but is not limited to the use of the online Transaction Review Memo (TRM) or other established processes to escalate information to the FIU or Money Laundering Reporting Officer. Potentially Suspicious Activity that May Indicate Money Laundering Customers Who Provide Insufficient or Potentially Suspicious Information • A customer uses unusual or potentially suspicious identification documents that cannot be readily verified. • A business is reluctant, when establishing a new account, to provide complete information about the nature of its business or to provide required documentation evidencing legal status • A customer unnecessarily delays providing required documentation. • A customer’s home or business telephone is disconnected. • The customer’s background differs from that which would be expected on the basis of his or her business activities. • A customer makes frequent or large transactions and has no record of past or present employment experience. • A party to a transaction is a shell company. • Transacting businesses share the same address, provide only a registered agent’s address, or have other address inconsistencies. • Upon request, the customer refuses to identify or fails to indicate any legitimate source for his or her funds and other assets. • Customer promises to open a large number of accounts or offers terms “too good to be true”. • Customer requests an unusual degree of confidentiality or deviation from established process with respect to the transaction. • A customer provides an individual tax identification number after having previously used a Social Security number. • A customer uses different tax identification numbers with variations of his or her name. • A customer is a trust, shell company, or Private Investment Company that is reluctant to provide information when requested on controlling parties and underlying beneficiaries. Beneficial owners may hire nominee incorporation services to establish shell companies and open bank accounts for those shell companies while shielding the owner’s identity. Efforts to Avoid Reporting or Recordkeeping Requirements • A customer or group tries to persuade a bank employee not to file required reports or maintain required records. • A customer is reluctant to provide information needed to complete a currency transaction report (CTR) or monetary instrument sales record. • Customer claims to be a “big player” but is unknown. A customer is reluctant to furnish identification when purchasing negotiable instruments in recordable amounts. • The customer changes the dollar amount of the transaction after being informed a report is required. • A business or customer asks to be exempted from reporting or recordkeeping requirements. • A person customarily uses the automated teller machine to make several bank deposits below a specified threshold. • A customer deposits funds into several accounts, usually in amounts of less than $3,000, which are subsequently consolidated into a master account and transferred outside of the country, particularly to or through a location of specific concern (e.g., countries designated by national authorities and Financial Action Task Force on Money Laundering (FATF) as non-cooperative countries and territories). • A customer accesses a safe deposit box after completing a transaction involving a large withdrawal of currency, or accesses a safe deposit box before making currency deposits structured at or just under $10,000, to evade Currency Transaction Report (CTR) filing requirements. Funds Transfers • Many funds transfers are sent in large, round dollar amounts. • Funds transfer activity occurs to or from a financial secrecy haven, or to or from a high-risk geographic location without an apparent business reason or when the activity is inconsistent with the customer’s business or history. • Many small, incoming transfers of funds are received, or deposits are made using checks and money orders. Almost immediately, all or most of the transfers or deposits are wired to another city or country in a manner inconsistent with the customer’s business or history. • Large, incoming funds transfers are received on behalf of a foreign client, with little or no explicit reason. • Funds transfer activity is unexplained, repetitive, or shows unusual patterns. • Payments or receipts with no apparent links to legitimate contracts, goods, or services are received. • Funds transfers are sent or received from the same person to or from different accounts. • Funds transfers contain limited content and lack related party information. • Regular deposits or withdrawals of large amounts of cash, using wire transfers to, from, or through countries that either are known sources of narcotics or whose laws are ineffective in controlling the laundering of money. • Many small incoming wire transfers of funds received or deposits made using checks and money orders, with all but a token amount almost immediately being wire transferred to another city or country, in a manner inconsistent with the customer’s business or history. • Large volume of wire transfers from persons or businesses that do not hold accounts. Automated Clearing House Transactions • Large-value, automated clearing house (ACH) transactions are frequently initiated through third-party service providers (TPSP) by originators that are not bank customers and for which the bank has no or insufficient due diligence. • TPSPs have a history of violating ACH network rules or generating illegal transactions, or processing manipulated or fraudulent transactions on behalf of their customers. • Multiple layers of TPSPs that appear to be unnecessarily involved in transactions. • Unusually high level of transactions initiated over the Internet or by telephone. • NACHA — The Electronic Payments Association (NACHA) information requests indicate potential concerns with the bank’s usage of the ACH system. Activity Inconsistent with the Customer’s Business • The currency transaction patterns of a business show a sudden change inconsistent with normal activities. • A large volume of cashier’s checks, money orders, or funds transfers is deposited into, or purchased through, an account when the nature of the accountholder’s business would not appear to justify such activity. • A retail business has dramatically different patterns of currency deposits from similar businesses in the same general location. • Unusual transfers of funds occur among related accounts or among accounts that involve the same or related principals. • The owner of both a retail business and a check-cashing service does not ask for currency when depositing checks, possibly indicating the availability of another source of currency. • Goods or services purchased by the business do not match the customer’s stated line of business. • The customer wishes to engage in transactions that lack business sense or apparent investment strategy, or are inconsistent with the customer’s stated business strategy (e.g., a steel company that starts dealing in paper products, or an information technology company that starts dealing in bulk pharmaceuticals). • Payments for goods or services are made by checks, money orders, or bank drafts not drawn from the account of the entity that made the purchase. Other Potentially Suspicious Customer Activity • A customer frequently deposits currency wrapped in currency straps or currency wrapped in rubber bands that is disorganized and does not balance when counted. • A customer purchases a number of cashier’s checks, money orders, or traveler’s checks for large amounts under a specified threshold. • A customer purchases a number of open-end stored value cards for large amounts. Purchases of stored value cards are not commensurate with normal business activities. • A customer receives large and frequent deposits from on-line payments systems yet has no apparent on-line or auction business. • Monetary instruments deposited by mail are numbered sequentially or have unusual symbols or stamps on them. • Potentially suspicious movements of funds occur from one bank to another, and then funds are moved back to the first bank. • Deposits are structured through multiple branches of the same bank or by groups of people who enter a single branch at the same time. • Currency is deposited or withdrawn in amounts just below identification or reporting thresholds. • The customer may visit a safe deposit box or use a safe custody account on an unusually frequent basis. • Safe deposit boxes or safe custody accounts may be opened by individuals who do not reside or work in the institution’s service area despite the availability of such services at an institution closer to them. • Unusual traffic patterns in the safe deposit box area or unusual use of safe custody accounts. For example, more individuals may enter, enter more frequently, or carry bags or other containers that could conceal large amounts of currency, monetary instruments, or small valuable items. • A customer rents multiple safe deposit boxes to park large amounts of currency, monetary instruments, or high-value assets awaiting conversion to currency, for placement into the banking system. Similarly, a customer establishes multiple safe custody accounts to park large amounts of securities awaiting sale and conversion into currency, monetary instruments, outgoing funds transfers, or a combination thereof, for placement into the banking system. • Loans are made for, or are paid on behalf of, a third party with no reasonable explanation. • To secure a loan, the customer purchases a certificate of deposit using an unknown source of funds, particularly when funds are provided via currency or multiple monetary instruments. • Unusual deposits occurring in combination with one or more of the following indicators: o Multiple deposits occurring in various locations when the account owner resides elsewhere, for example, deposits made in New York and Michigan when the account owner resides in Florida. o A customer with multiple bank accounts, or multiple accounts held by the customer and closely related family members. These accounts may be held at one or more financial institutions. Such accounts may be used to facilitate the placement and layering of illicit funds. o Checking accounts receiving cash deposits in amounts under $1,000 as infrequently as several times per month. These deposits may be followed by ATM withdrawals in foreign countries. This method, sometimes referred to as micro-structuring, is used by “smurfs”15 to deposit cash which may then be used to purchase goods. • Loan secured by deposits or other readily marketable assets, such as securities, particularly when owned by apparently unrelated third parties. • Borrower defaults on a cash-secured loan or any loan that is secured by assets which are readily convertible into currency. • Loans are made for, or are paid on behalf of, a third party with no reasonable explanation. • To secure a loan, the customer purchases a certificate of deposit using an unknown source of funds, particularly when funds are provided via currency or multiple monetary instruments. • Unusual use of trust funds in business transactions or other financial activity. • Customer uses a personal account for business purposes. • Customer has established multiple accounts in various corporate or individual names that lack sufficient business purpose for the account complexities or appear to be an effort to hide the beneficial ownership from the bank. • Customer makes multiple and frequent currency deposits to various accounts that are purportedly unrelated. • Customer conducts large deposits and withdrawals during a short time period after opening and then subsequently closes the account or the account becomes dormant. Conversely, an account with little activity may suddenly experience large deposit and withdrawal activity. • Customer makes high-value transactions not commensurate with the customer’s known incomes. • Customer uses a banking center in a location that does not seem reasonable based on the location of their home, place of employment or place of business. Bulk Currency Shipments: • An increase in the sale of large denomination U.S. bank notes to foreign financial institutions by U.S. banks. • Large volumes of small denomination U.S. bank notes being sent from foreign nonbank financial institutions to their accounts in the United States via armored transport, or sold directly to U.S. banks. • Multiple wire transfers initiated by foreign nonbank financial institutions that direct • U.S. banks to remit funds to other jurisdictions that bear no apparent business relationship with that foreign nonbank financial institution. Recipients may include individuals, businesses, and other entities in free trade zones and other locations. • The exchange of small denomination U.S. bank notes for large denomination U.S. bank notes that may be sent to foreign countries. • Deposits by foreign nonbank financial institutions to their accounts at U.S. banks that include third-party items, including sequentially numbered monetary instruments. • Deposits of currency and third-party items by foreign nonbank financial institutions to their accounts at foreign financial institutions and thereafter direct wire transfers to the foreign nonbank financial institution’s accounts at U.S. banks. Potential Loan Modification/Foreclosure Rescue Scams: • A homeowner tells the mortgage servicer, perhaps upon receiving an overdue notice, that he/she has been making payments to a party other than the mortgage holder or servicer. The homeowner may have been tricked into signing a quit claim deed for the benefit of the perpetrator of a scam or told to make payments to a third party (in actuality, a con-artist), who will allegedly forward them to the lender. • Because the majority of states have criminalized charging an advance fee from a consumer for mortgage loan modification services in certain instances, many fraud schemes may attempt to characterize the up-front "fee" in other ways, such as: o File review fee; o Forensic review fee; o Forensic audit fee; o Attorney fee; o Fraud detection fee; o Membership fee (perhaps purporting to become a member of the "assisting" entity). • Advance fee schemes in many cases also involve debt elimination, credit card debt, or refinance schemes. • Some fraudulent loan modification schemes involve perpetrators that refer to themselves as "associations" or "counseling agencies" or claim to be non-profit entities because of a general consumer preference to work with these types of entities and the expectation of legitimacy. • A homeowner says that he/she has hired a third party, perhaps advertised as or alleged to be a "foreclosure specialist" or "mortgage specialist," to help him/her avoid foreclosure or help renegotiate the terms of his/her mortgage with the lender. This may be suspicious if the homeowner indicates that the third party: o A number of perpetrators use a notary public as an agent to deliver documents and accepted up-front payment only by official check, cashier's check or wire transfer; o Used aggressive tactics to seek out the homeowner by telephone, e-mail, mail or in person; o Pressured the homeowner to sign paperwork he/she didn't have an opportunity to read thoroughly or that he/she didn't understand; o Guaranteed to save the home from foreclosure or stop the foreclosure process "no matter what;" o Claimed the process will be quick with relatively little information and paperwork required from the homeowner; o Offered to buy the house and then rent it back to the homeowner; o Falsely claimed to be affiliated with the government. (Perpetrators of scams often use names or symbols that mimic federal and state programs or falsely suggest that they offer legal services or are affiliated with an attorney or law firm); or o Instructed the homeowner not to contact the lender, a lawyer or financial counselor. • Illicit actors appear to be using websites, mailings, TV/radio commercials, and roadside signs advertising free help, assistance for foreclosures, loan modifications, short sales, forensic audits, and credit/debt relief services. • Straw borrowers are often used to hide the identities of the perpetrators. • Equity lines of credit or false quit claim deeds are used for "equity skimming" or outright property theft • A homeowner says he/she paid someone to assist in getting help from the right Federal affordable housing program. • A homeowner maintains that he/she does not need to pay a mortgage because the loan contract is invalid, or the customer attempts to pay with a bogus sight draft, Federal Reserve Bank/Treasury letter, or check that accesses a "Treasury Direct Account." Such homeowners may be committing fraud or may have been duped by individuals who claim government-related contracts are illegitimate. Other homeowners may have unsuspectingly paid for illegitimate or bogus pay-off documents. • Investment and securities firms submitted SARs implicating their customers after learning they had been indicted or prosecuted for foreclosure rescue scheme activities. Although submitted after the investigations had begun, these SARs are useful for law enforcement in their efforts to expand investigations Changes in Bank-to-Bank Transactions • The size and frequency of currency deposits increases rapidly with no corresponding increase in noncurrency deposits. • A bank is unable to track the true accountholder of correspondent or concentration account transactions. • The turnover in large-denomination bills is significant and appears uncharacteristic, given the bank’s location. • Changes in currency-shipment patterns between correspondent banks are significant. Cross-Border Financial Institution Transactions • U.S. bank increases sales or exchanges of large denomination U.S. bank notes to Mexican financial institution(s). • Large volumes of small denomination U.S. banknotes being sent from Mexican casas de cambio to their U.S. accounts via armored transport or sold directly to U.S. banks. These sales or exchanges may involve jurisdictions outside of Mexico. • Casas de cambio direct the remittance of funds via multiple funds transfers to jurisdictions outside of Mexico that bear no apparent business relationship with the casas de cambio. Funds transfer recipients may include individuals, businesses, and other entities in free trade zones. • Casas de cambio deposit numerous third-party items, including sequentially numbered monetary instruments, to their accounts at U.S. banks. • Casas de cambio direct the remittance of funds transfers from their accounts at Mexican financial institutions to accounts at U.S. banks. These funds transfers follow the deposit of currency and third-party items by the casas de cambio into their Mexican financial institution. Trade Finance • The transaction involves the receipt of cash (or other payments) from third party entities that have no apparent connection with the transaction. • Transport documents do not match letter of credit documents and evidence an over-shipment or under-shipment not covered by the letter of credit agreement. • Shipment locations of the goods, shipping terms, or descriptions of the goods are inconsistent with the letter of credit. This may include changes in shipment locations to high-risk countries or changes in the quality of the goods shipped. • Significant discrepancies appear between the descriptions of the goods on the bill of lading (or invoice) and the actual goods shipped. • Sudden and unexplained increases in a customer’s normal trade transactions. • Customers are conducting business in high-risk jurisdictions or geographic locations, particularly when shipping items through high-risk or non-cooperative countries as defined in Atlas. Please note: This attribute in isolation would not necessarily deem a transaction as high risk. • Customers involved in potentially high-risk activities, including activities that may be subject to export/import restrictions (e.g. equipment for military or police organizations of foreign governments, weapons, ammunition, chemical mixtures, classified defense articles, sensitive technical data, nuclear materials, precious gems, or certain natural resources such as metals, ore, and crude oil). • Obvious misrepresentation of quantity or type of goods imported or exported. • Obvious over- or under-pricing of goods and services (as per information received from our regulators, we are not expected to be pricing experts on the many products that could be involved in trade transactions. However, staff completing trade transactions should generally know that over- or under-invoicing can be an indicator of money laundering and/or fraud and any instances that come to their attention should be investigated and, if suspicious reported). • Transaction structure appears unnecessarily complex and designed to obscure the true nature of the transaction. • Significantly amended letters of credit without reasonable justification or changes to the beneficiary or location of payment. Any changes in the names of parties also should prompt additional OFAC review. • The customer (or a person publicly associated with the customer) has a questionable background or is the subject of news reports indicating possible criminal, civil, or regulatory violations. • The customer exhibits a lack of concern regarding risks, commissions, or other transaction costs. • The customer has little experience in the product in which they are dealing or does not seem to appreciate the risks associated. • The method of payment appears inconsistent with the risk characteristics of the transaction. For example, the use of an advance payment for a shipment from a new supplier in a high-risk country. • The shipment does not make economic sense. For example, the use of a forty-foot container to transport a small amount of relatively low-value goods. • The customer requests that a transaction be processed in such a manner to avoid the firm’s normal documentation requirements. • Regarding nonprofit or charitable organizations, financial transactions occur for which there appears to be no logical economic purpose or in which there appears to be no link between the stated activity of the organization and the other parties in the transaction. • Other inconsistencies to be considered; o Routine installation, training, or maintenance services are declined by the customer. o Delivery dates are vague, or deliveries are planned for out of the way destinations. o A freight forwarding firm is listed as the product's final destination. o Packaging is inconsistent with the stated method of shipment or destination. • Negotiable instruments (such as traveler’s checks, cashier’s checks and money orders) in round denominations under $3,000 used to fund domestic accounts or, alternatively, smuggled from the United States for placement into accounts at foreign financial institutions. The negotiable instruments may be sequentially numbered or purchased at multiple locations and may frequently lack payee information or contain visible broker markings or symbols. These negotiable instruments may also be used to pay for goods and services. • International wire transfers received as payment for goods into U.S. bank accounts or processed through U.S. correspondent or intermediary accounts, especially where the ordering party (importer of goods) of the wire does not live in the country from which the wire originated. For example: o Wires originating from jurisdictions which have been highlighted in relation to black market peso exchange activities, such as Mexico, Guatemala, Argentina, Brazil, Paraguay, Uruguay, Venezuela; o Payment destinations that include United States, Hong Kong, China, South Korea, Taiwan, Spain, Panama, Curacao, as they relate to duty free trade zones; o Wires where no apparent business relationship appears to exist between the originator and the beneficiary; o Customers who fail to provide adequate information, including adequate information on the originator, beneficiary, and purpose of the wire; or o Frequent transactions involving rounding or whole dollar amounts. • Funds transferred into U.S. domestic accounts that are subsequently transferred out of the account in the same or nearly the same amounts. Origination and destination locations are frequently high risk jurisdictions. • Sudden onset and equally sudden cessation of payments – typically wire transfers – within a short duration. This could be an indication that the account is temporarily being used to launder illicit proceeds. • A foreign import business with U.S. accounts receiving payments from locations outside the areas of their customer base. • U. S. companies operating out of foreign countries, especially when it is difficult or impossible to determine ownership or controlling persons for the company, or when the business purpose is not fully apparent. • Foreign visitors opening multiple U.S. bank accounts at one or more financial institutions. Individuals may travel to the United States with instructions to establish multiple bank accounts as a straw party. Upon return to their home country the straw account owner signs all of the blank checks and relinquishes control of the checkbooks and ATM cards tied to the accounts to the beneficial owner who now has control of the accounts. The following are examples of activity common to these accounts: o Cash deposits received using over-the-counter deposit slips since the checkbooks containing the pre-printed deposit slips as well as ATM cards are located out of country; o Deposits which are frequently made in multiple U.S. jurisdictions; o Withdrawals made via foreign ATM transactions; or o Withdrawals via check transactions that exhibit a difference between the handwriting for the signature and the payee portions of the check. • Sequentially numbered checks drawn on U.S. accounts negotiated through foreign money services businesses, for example, casas de cambios. Some checks may be payable directly to casas de cambios instead of specific businesses or individuals Non-standard clauses in letter of credit – Examples: • Request to issue a “ready, willing, and able” message • Request for a “Letter of Interest” • Letter of Credit is “unconditional, divisible, and assignable” • Transactions requiring a “Proof of Product” • Funds are “good, clean and cleared, of non-criminal origin” • Bearer instrument Letter of Credit • Transferable and assignable without presentation to the issuer • Short turn-around on activity, i.e. “within three business days of receipt of this commercial LC, issue a new Standby LC • Request for numerous pre-advices of activity or subsequent letter of credit issuance • Items shipped that are inconsistent with the nature of the customer’s business (e.g., a steel company that starts dealing in paper products, or an information technology company that starts dealing in bulk pharmaceuticals). • Customer requests payment of proceeds to an unrelated third party. Privately Owned Automated Teller Machines • Automated teller machine (ATM) activity levels are high in comparison with other privately owned or bank-owned ATMs in comparable geographic and demographic locations. • Sources of currency for the ATM cannot be identified or confirmed through withdrawals from account, armored car contracts, lending arrangements, or other appropriate documentation. Insurance • A customer purchases products with termination features without concern for the product’s investment performance. • A customer purchases insurance products using a single, large premium payment, particularly when payment is made through unusual methods such as currency or currency equivalents. • A customer purchases product that appears outside the customer’s normal range of financial wealth or estate planning needs. • A customer borrows against the cash surrender value of permanent life insurance policies, particularly when payments are made to apparently unrelated third parties. • Policies are purchased that allow for the transfer of beneficial ownership interests without the knowledge and consent of the insurance issuer. This would include secondhand endowment and bearer insurance policies. • A customer is known to purchase several insurance products and uses the proceeds from an early policy surrender to purchase other financial assets. • A customer uses multiple currency equivalents (e.g., cashier’s checks and money orders) from different banks and money services businesses to make insurance policy or annuity payments. Shell Company Activity • A bank is unable to obtain sufficient information or information is unavailable to positively identify originators or beneficiaries of accounts or other banking activity (using Internet, commercial database searches, or direct inquiries to a respondent bank). • Payments have no stated purpose, do not reference goods or services, or identify only a contract or invoice number. • Goods or services, if identified, do not match profile of company provided by respondent bank or character of the financial activity; a company references remarkably dissimilar goods and services in related funds transfers; explanation given by foreign respondent bank is inconsistent with observed funds transfer activity. • Transacting businesses share the same address, provide only a registered agent’s address, or have other address inconsistencies. • Unusually large number and variety of beneficiaries are receiving funds transfers from one company. • Frequent involvement of multiple jurisdictions or beneficiaries located in high-risk offshore financial centers. • Use of nested correspondent banking relationships. • An individual company exhibits a high volume and pattern of funds transfers that is inconsistent with its normal business activity. • Multiple high-value payments or transfers between shell companies with no apparent legitimate business purpose. • Purpose of the shell company is unknown or unclear. Embassy and Foreign Consulate Accounts • Official embassy business is conducted through personal accounts. • Account activity is not consistent with the purpose of the account, such as pouch activity or payable upon proper identification transactions. • Accounts are funded through substantial currency transactions. • Accounts directly fund personal expenses of foreign nationals without appropriate controls, including, but not limited to, expenses for college students. Associates • An associate has lavish lifestyle that cannot be supported by his or her salary. • An associate fails to conform to recognized policies, procedures, and processes, particularly in private banking. • An associate is reluctant to take a vacation. Securities Activities • The customer exhibits unusual concern regarding the firm’s compliance with government reporting requirements and the firm’s AML policies, particularly with respect to his or her identity, type of business and assets, or is reluctant or refuses to reveal any information concerning business activities, or furnishes unusual or suspect identification or business documents. • The customer wishes to engage in transactions that lack business sense or apparent investment strategy, or are inconsistent with the customer’s stated business strategy. • The information provided by the customer that identifies a legitimate source for funds is false, misleading, or substantially incorrect. • Upon request, the customer refuses to identify or fails to indicate any legitimate source for his or her funds and other assets. • The customer (or a person publicly associated with the customer) has a questionable background or is the subject of news reports indicating possible criminal, civil, or regulatory violations. • The customer exhibits a lack of concern regarding risks, commissions, or other transaction costs. • The customer appears to be acting as an agent for an undisclosed principal, but declines or is reluctant, without legitimate commercial reasons, to provide information or is otherwise evasive regarding that person or entity. • The customer has difficulty describing the nature of his or her business or lacks general knowledge of his or her industry. • The customer attempts to make frequent or large deposits of currency, insists on dealing only in cash equivalents, or asks for exemptions from the firm’s policies relating to the deposit of cash and cash equivalents. • The customer engages in transactions involving cash or cash equivalents or other monetary instruments that appear to be structured to avoid the $10,000 government reporting requirements, especially if the cash or monetary instruments are in an amount just below reporting or recording thresholds and/or are sequentially numbered. • For no apparent reason, the customer has multiple accounts under a single name or multiple names, with a large number of inter-account or third-party transfers. • The customer is from, or has accounts in, a country identified as a non-cooperative country or territory by the Financial Action Task Force (FATF). • The customer’s account has unexplained or sudden extensive wire activity, especially in accounts that had little or no previous activity. • The customer’s account shows numerous currency or cashiers check transactions aggregating to significant sums. • The customer’s account has a large number of wire transfers to unrelated third parties inconsistent with the customer’s legitimate business purpose. • The customer’s account has wire transfers that have no apparent business purpose to or from a country identified as a money laundering risk or a bank secrecy haven. • The customer’s account indicates large or frequent wire transfers, immediately withdrawn by check or debit card without any apparent business purpose. • The customer makes a funds deposit followed by an immediate request that the money be wired out or transferred to a third party, or to another firm, without any apparent business purpose. • The customer makes a funds deposit for the purpose of purchasing a long-term investment followed shortly thereafter by a request to liquidate the position and transfer of the proceeds out of the account. • The customer engages in excessive journal entries between unrelated accounts without any apparent business purpose. • The customer requests that a transaction be processed in such a manner to avoid the firm’s normal documentation requirements. • The customer, for no apparent reason or in conjunction with other potential indicators of money laundering, engages in transactions involving certain types of securities, such as penny stocks, Regulation “S” (Reg S) stocks, and bearer bonds, which although legitimate, have been used in connection with fraudulent schemes and money laundering activity. (Such transactions may warrant further due diligence to ensure the legitimacy of the customer’s activity.) • The customer’s account shows an unexplained high level of account activity with very low levels of securities transactions. • The customer maintains multiple accounts, or maintains accounts in the names of family members or corporate entities, for no apparent business purpose or other purpose. • The customer’s account has inflows of funds or other assets well beyond the known income or resources of the customer. • The customer deposits bearer bonds followed by immediate request for the disbursement of funds. Elder Financial Exploitation • Erratic or unusual banking transactions, or changes in banking patterns: o Frequent large withdrawals, including daily maximum currency withdrawals from an ATM; o Sudden Non-Sufficient Fund activity; o Uncharacteristic nonpayment for services, which may indicate a loss of funds or access to funds; o Debit transactions that are inconsistent for the elder; o Uncharacteristic attempts to wire large sums of money; o Closing of CDs or accounts without regard to penalties. • Interactions with customers or caregivers: o A caregiver or other individual shows excessive interest in the elder’s finances or assets, does not allow the elder to speak for himself, or is reluctant to leave the elder’s side during conversations; o The elder shows an unusual degree of fear or submissiveness toward a caregiver, or expresses a fear of eviction or nursing home placement if money is not given to a caretaker; o The financial institution is unable to speak directly with the elder, despite repeated attempts to contact him or her; o A new caretaker, relative, or friend suddenly begins conducting financial transactions on behalf of the elder without proper documentation; o The customer moves away from existing relationships and toward new associations with other “friends” or strangers; o The elderly individual’s financial management changes suddenly, such as through a change of power of attorney to a different family member or a new individual; o The elderly customer lacks knowledge about his or her financial status, or shows a sudden reluctance to discuss financial matters. Human Smuggling and Human Trafficking • Business accounts that have international wires or significant cash deposits that are unusual for such business type. • Cash deposits into one account from multiple locations across state lines that identify transaction patterns potentially indicative of money laundering or other suspicious activity that may be linked to human smuggling/trafficking. • Consumer accounts with deposits and/or withdrawals in geographical regions different than where the account relationship was established. • Bank Account Activity a financial institution or law enforcement agency may observe: o Cash Deposits often just under the 10k threshold but deposited at several branches. o No local employer deposits for activities associated with the business. o Purchase of money orders to pay bills instead of writing personal checks. o Government assistance checks deposited into the account despite the fact that account holder may have a substantial amount of money in other accounts. • Numerous BSA filings by multiple financial institutions. • Large cash deposits inconsistent with business type. • Large payments to foreign companies that are inconsistent with the amount of product received from these companies. • Unusual withdrawal, deposit or wire activity inconsistent with normal business practices, or dramatic and unexplained change in account • Leasing of high-end luxury vehicles and extravagant trips paid by electronic funds transfer from business bank accounts. • Credit card payments to online escort services for advertising. o These included small posting fees to companies such as Craigslist as well as more expensive, higher-end advertising and website hosting companies. • Smuggling Fees o Cash o Wire remitter • Structuring financial transactions at money services businesses (MSBs) – multiple financial transactions structured under the $3,000.00 MSB’s reporting limit on the same day. • Numerous incoming wire transfers or personal checks deposited into business accounts with no apparent legitimate purpose. • Geographic regions where smuggling/trafficking activities is common, often in international border towns. • Pay attention to customers accounts who have reported identity theft – many extortion/kidnapping rings have stolen identities that they utilize to conduct their criminal activity. Potentially Suspicious Activity that May Indicate Terrorist Financing The following examples of potentially suspicious activity that may indicate terrorist financing are primarily based on guidance “Guidance for Financial Institutions in Detecting Terrorist Financing” provided by the FATF. FATF is an intergovernmental body whose purpose is the development and promotion of policies, both at national and international levels, to combat money laundering and terrorist financing. Activity Inconsistent with the Customer’s Business • Funds are generated by a business owned by persons of the same origin or by a business that involves persons of the same origin from high-risk countries (e.g., countries designated by national authorities and FATF as non-cooperative countries and territories). • The stated occupation of the customer is not commensurate with the type or level of activity. • Persons involved in currency transactions share an address or phone number, particularly when the address is also a business location or does not seem to correspond to the stated occupation (e.g., student, unemployed, or self-employed). • Regarding nonprofit or charitable organizations, financial transactions occur for which there appears to be no logical economic purpose or in which there appears to be no link between the stated activity of the organization and the other parties in the transaction. • A safe deposit box opened on behalf of a commercial entity when the business activity of the customer is unknown or such activity does not appear to justify the use of a safe deposit box. Funds Transfers • A large number of incoming or outgoing funds transfers take place through a business account, and there appears to be no logical business or other economic purpose for the transfers, particularly when this activity involves high-risk locations. • Funds transfers are ordered in small amounts in an apparent effort to avoid triggering identification or reporting requirements. • Funds transfers do not include information on the originator, or the person on whose behalf the transaction is conducted, when the inclusion of such information would be expected. • Multiple personal and business accounts or the accounts of nonprofit organizations or charities are used to collect and funnel funds to a small number of foreign beneficiaries. • Foreign exchange transactions are performed on behalf of a customer by a third party, followed by funds transfers to locations having no apparent business connection with the customer or to high-risk countries. Other Transactions That Appear Unusual or Potentially Suspicious • Transactions involving foreign currency exchanges are followed within a short time by funds transfers to high-risk locations. • Multiple accounts are used to collect and funnel funds to a small number of foreign beneficiaries, both persons and businesses, particularly in high-risk locations. • A customer obtains a credit instrument or engages in commercial financial transactions involving the movement of funds to or from high-risk locations when there appear to be no logical business reasons for dealing with those locations. • Banks from high-risk locations open accounts. • Funds are sent or received via international transfers from or to high-risk locations. • Insurance policy loans or policy surrender values that are subject to a substantial surrender charge. Posted by : Nestle on 30-09-2011 Report Abuse
  • my name is itisha parekh. i have 3 months experience and currently looking for job .i did mba in finance and insurance. Also did few ncfm modules. i want a job in HR or FINANCE. . please let me know the proceedure to apply in KPMG Posted by : itisha parekh on 22-09-2011 Report Abuse
  • I would like to apply in kpmg in operations.I am having good work experience of more than 7 years now with reputed MNC.. I am B. Com graduate with good computer knowledge and pursing MBA from ignou. Please advice me how to apply jobs in KPMG office in gurgaon into operations...Looking forward for early and favorable response. Posted by : leena mehta on 17-09-2011 Report Abuse
  • I am doing ICWA and semi completed Inter and i would like to join KPMG as fresher.Kindly let me know details of whom to contact Posted by : Kanti hegde on 17-09-2011 Report Abuse
  • I hv done my grad. in bbe from d.u.(70%),12th(85%). I hv specialisation in econometrics and finance.I hv also organised college fest and under taken various projects.I am hard woking,dedicated and hv dynamic personality. thanku Posted by : juhi juneja on 11-09-2011 Report Abuse
  • HELLO, my name is ZIA MUSAWWER i have done my B.COM & i am also doing my ICWA & i have to appear in group 4... DECEMBER attempt ....and i want to join KPMG then please tell me the job perspective for me.....? Posted by : zia musawar on 03-09-2011 Report Abuse
  • HELLO, my name is ZIA MUSAWWER i have done my B.COM & i am also doing my ICWA & i have to appear in group 4... DECEMBER attempt ....and i want to join KPMG then please tell me the job perspective for me.....? Posted by : zia musawar on 03-09-2011 Report Abuse
  • Hello..I am a Chartered Accountant (Fresher). I have cleared all my exams in the first attempt with 65% in pcc and 59% in final. I have also secured 24th Rank in the CS Executive exams. I want to join KPMG in the Taxation deptt. Thank You. Posted by : ANKIT AGARWAL on 03-09-2011 Report Abuse
  • DEEPESH GURNANI 82. Parvana nagar, Sanwer Road Ujjain (M.P) , Mobile : 09960621040, E-mail: deepesh_gurnani@yahoo.com Specialization: Major: Finance Minor: Marketing Education: PGP ISCS Autonomous 2010-2012 62% Pursuing (Finance) ADBA IICS MSBTE 2010-2012 62% Pursuing (Finance) Graduation Lokmanya Tilak Vikram university 2007-2010 53.5% (B.COM) Commerce college Ujjain HSC Lokmanya Tilak M.P 2007 60.5% (Commerce) H.S School Ujjain State Board SSC Lokmanya Tilak M.P H.S School Ujjain State Board 2005 57.5% Project Details (Summer Project/Graduation Project): Company: IDBI Bank Ltd, Indore Project Title: Project financing and MSME business Details: • Analysis of various documents required for sectioning, disbursement and recovery of loan. • The program was aimed to understand the various tools and techniques of bank for financing a project. • Comparison of IDBI SME products with other SME Players in Indore region. Duration: Two months Computer Skills: Operating Systems: Windows Packages Known: MS Office (Word, PowerPoint, Excel) DBMS: FoxPro Theoretical Awareness: MIS, DBMS Accounting Awareness: Tally Project Undertaking: Travelling Management System In FoxPro 2.6 Additional Qualification: • Currently undergoing a 250-hour comprehensive performance-based Leadership Development Programme by Stratecent Consulting, to acquire the following skills: ? Negotiation Skills ? Problem Solving Skill ? SPIN Selling • Successfully completed an intensive programme on Business Etiquette and Grooming by Mr. Minocher Patel, Founder Director, Ecole Solitaire. Extra Curricular Activities • Participated in sports and cultural activities in school and college level. • Experience in retail and wholesale business of confectionery. Personal Details: Date of Birth : 06/10/1987 Languages : English and Hindi Sibling : 1 Brother (younger) Strengths ? Ability to work under pressure ? Good Communication Skill ? Self Disciplined ? Team player DEEPESH GURNANI Posted by : deepesh gurnani on 01-09-2011 Report Abuse
  • Posted by : suchi gandhi on 26-08-2011 Report Abuse
  • I have qualified as a Chartered Accountant in May 2011.I want to work with KPMG. Recruitment Portal of KPMG is always under construction.How can i apply ? Posted by : Nida on 25-08-2011 Report Abuse
  • a commerce graduate from pune university with banking and finance as a special subject and auditing and taxation as a compulsary subject looking for job with kpmg Posted by : anurag jadhav on 20-08-2011 Report Abuse
  • a commerce graduate from pune university with banking and finance as special subject...looking for a job with kpmg Posted by : anurag jadhav on 20-08-2011 Report Abuse
  • I am working as Billing & planning Engineer in Mcnally Bharat Engineering Co. Ltd.. I am having 1.5 years of experience in this field. Currently looking after a project of cost 827 crore. I am interested to work with KPMG in finance or Audit department or job according to my qualification. please reply or contact me. Contact no. 9977704527 Posted by : Rahul Kumar on 18-08-2011 Report Abuse
  • HELLO SIR,I WANT TO JOIN IN YOU'R COMPANY FOR ARICLES.I HAD PASSED IN IPCC -CA IN MAY2011 IN FIRST GROUP.SO PLEASE GIVE A OPPORTUNITY FOR LEARN MORE SUBJECT IN YOUR COMPANY. Posted by : YERVA.RAMAKOTAIAH on 14-08-2011 Report Abuse
  • i m a b.com fresher 2011 batch.what job oppurtunities are here for me and how can i apply for it? Posted by : karishma farhat on 11-08-2011 Report Abuse
  • Prashant Mishra Address Contact 1375, Sector 12, Mobile: +91-9818066497 R.K. Puram, Landline: +91-11-26163675 New Delhi – 110022 Email: roughblue63@yahoo.co.in Experience: 63 months in Bank of America Continuum Solutions. Career Goal To obtain a challenging position in an organization which will allow me to use and further develop my skills and knowledge for the growth of the organization Professional experience 1) Front Line Manager (FLM) Operations.-Credit Card Process. (RCR). CS&S.(Text Chat). Period – April 2010 till date Profile – Bank of America Credit Card Process- 16 people (Handling Bank of America Credit Cards profile which has over 2 billion customer.) Accomplishments – 1) Responsible for handling a team of 14 who work on chats of BOA website and interact with the live customer. 2) Team closed at 83% C-sat, FCR 86% and Availability 94% across the sites which are a record. 3) Received Best team award for the first two months Jan and Feb. 4) Initiated a Green Belt Project for reduction in D-sat % at process level which led to D-sat reduction from 9.8% to 6-50%. 5) Did a Chat channel volume Analysis which helped removing graveyard shift. 6) Did FTE analysis for Seat Utilization recently for Philippines Project and also responsible for seat utilization for Gurgaon Site. 7) Responsible for Technology downtime data for chat channel which is required for risk score card 8) Responsible for Assets Activities and awards. 9) Only 2% Attrition for the last two months in Cards channel and overall 5% attrition which includes internal movement as well. 10) 100% Employee Satisfaction scores.(SIROTA). 11) Other responsibilities.( Leave Management, Appraisal, Process improvement). 2) Deposit Relationship Model (September 2009 to March 2010) — Bank of America Deposit Relationship.– 10 people. Profile – Handle Key checking, savings accounts and check cards for bank of America customer handling team of 10. Role/Accomplishments – 1) Was responsible for handling a team of 10 people. 2) Also responsible for handling the Executive Escalation for Model teams. 3) Team Scores 87-3% C-sat for the month of Oct which is a record in the 5 year history of chat channel. 4)Team Scored C-sat in July 81-3%, August – 82-3%, September – 83.4%, Oct – 87-35, Nov – 84.1% and Dec – 85-6% and was awarded as best team for last two quarters for the year 2010. 5) Zero attrition in this Role. 6) 98% Employee Satisfaction scores (SIROTA). 7) Initiated daily touch base call across chat channel which has helped all the leaders to connect once in a day since it’s a huge floor capacity of 500 FTE across sites. 8) Prepared the break roster which has led to maximum availability of the associates for business requirements for the entire queue. 9) Was responsible for handing fraud queue which has 16 people from different teams apart from my 10 associates. Analysis of fraud chat, taking refresher, auditing and reporting was my role in this assignment. 10) Detected fraud customer who chatted 26 times with us in a single day with different names and IP address and created a saving of $32000 for the bank and was awarded by LOB. 11) Responsible for Organizing trips and fun activity also part of my role and we have 13 trips in last 2years which includes places like, Masuri, Rafting, Lansdowne, Macloadgung, Shimla, and Amritsar. 12) Apart from this also responsible for arranging process lever party and outing. Striking deals with, Blue os, Kingdome of dreams, Blues eyes and with PVR Cinemas were the key deals. 3) Team Developer — Service chat Process. RCR CS&S. Period – September 2008 – August 2009. Profile – Deposit Relationship California. Handling checking, saving and check card for CA State. Role/Accomplishments - 1) Was responsible for handing team of 8 people for California State. 2) Was responsible for Refund analysis in RRT tool at the process level. 3) Established Escalation Matrix for refund as a result tool was replaced by RDT. 4) Designed the reporting structure for process (Dashboard and Weekly Scorecard) 5) Was responsible for Transport Connect for chat channel. 6) Reduced the number of no shows on which was occurring on a daily basis. 7) Created no show tracker and which was later added in FLM Scorecard. 4) Senior Team Member- Small Business Process, OSSS, CS&S. Period – September 2007- August 2008. Profile – Deposit relationship. Handling Business Accounts of the Bank. Role/Accomplishments – 1) Was promoted from team member to senior team member as also change in role as quality analyst. 2) Was responsible for created audit sheet for Small Business Process. Things like KYC, AML were part of that sheet and also created the verification process which was critical for the process. 3) Was responsible for corporate audit for the process which was quarterly. 4) Was responsible for Calibration call on a daily basis across site. 5) Created training manual and SOPfor the Small business process. 6) Detected fraud account which save $12000 for the bank and was awarded by LOB. 7) Made JDI project on Small business audits oppurnity vs score offs. 5) Team Member – Sales Fulfillment Process, OSSS, CS&S. Period – May 2006- August2007. Profile – Deposit Relationship. Handling checking, saving and check cards customer for all state. 1) Was hired for pilot batch for Sales Fulfillment process and was in production and responsible for opening new personal account like checking, savings and check card after the verification in CBR. 2) Was SME for the Second, third batch. Also were trainer and SME for the 4th batch. 3) In production performed Defect free account for consecutive eleven months. Education • Commerce Graduate from Patna University. • 12th from BIEC • 10th from Loyala High School (CBSE.) Other Trainings & Qualifications • Good Analytical skills. • Communication Skills • Presentation Skills Personal Profile • Date of birth December 27th 1982. • Marital Status Married. • Nationality Indian • Language Proficiency English and Hindi Posted by : Prashant Mishra on 09-08-2011 Report Abuse
  • I want to apply in KPMG, please forward me the concern person email id or what's the procedure.Waiting to hear from your side.I have 3+ years of experience as senior sales supervisor and administrator. Posted by : bhawana on 06-08-2011 Report Abuse
  • I have done my ca ipcc group 1 from icai in nov 10 please help me to make my career with kpmg i am a fresher pls help me..? Posted by : Akash on 03-08-2011 Report Abuse
  • I have done M.Sc. International Business from UK. I would like to the prospects for me at KPMG Posted by : Saurabh Sethi on 03-08-2011 Report Abuse
  • I'm a post graduate in international business and MBA in Finance and presently working with Bank of america . I want to work with KPMG how should i apply there. Posted by : Pankaj Singh on 01-08-2011 Report Abuse
  • How can i apply to KPMG?Kindly reply me. Posted by : parvinder on 28-07-2011 Report Abuse
  • Hello, I am 2011 passout MBA graduate with majors in Information Systems and Strategy.I want to apply into your company for the profile of IS audit.The career site is down.So please let me know the procedure for applying online to KPMG. Posted by : Suchi on 27-07-2011 Report Abuse
  • hello Sir / Mam just i want ask que that how to apply to ur company & what is the selection procedure ? Posted by : priya on 20-07-2011 Report Abuse
  • Sir,i want tobe part of prosperity of your company.i have completed my B.com in 2003 from university of calicut.Iam expecting agood start in my career by joining your company. How can i apply? Posted by : saritha sudheesh on 19-07-2011 Report Abuse
  • Hi i want to apply for this company.. How can i do that.. Posted by : darpan on 14-07-2011 Report Abuse
  • Hi, I want to work in your company as it one of the best for growth prospects. Posted by : Binod Bhandari on 13-07-2011 Report Abuse
  • i am in my final year of MBA(marketing) and looking foward to work for kpmg as i am intrested to built my career here. i am a bachlor of management studies(BMS) aswell. Posted by : kshitij nimbalkar on 09-07-2011 Report Abuse
  • Ì am a 2011 fresher. How can I apply for job in kpmg Posted by : Nikhil Maruti Kapale on 08-07-2011 Report Abuse
  • i have completed my graduation from sggscc delhi university and i am willing to join KPMG.i don't have any job experience so how can i apply and for which post will i be considered..i will prefer accounts,finance or Audit department. Posted by : jasvinder kaur on 05-07-2011 Report Abuse
  • I have completed my B.Com (a&f) from rkm vivekandawith first division. I am interested to work with KPMG in finance or Audit department or job according to my qualification. please reply or contact me Posted by : rajan on 04-07-2011 Report Abuse
  • how i can register with kpmg, Posted by : jitendra on 01-07-2011 Report Abuse
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