Mariselvam M
Founder & Practice Leader
NBFC Risk & Audit LeadSpecializing in NBFC, MFI, and vehicle loan portfolio audit, regulatory document verification, DMS compliance, and RBI inspection preparedness across South India.
Founder & Practice Leader
NBFC Risk & Audit LeadSpecializing in NBFC, MFI, and vehicle loan portfolio audit, regulatory document verification, DMS compliance, and RBI inspection preparedness across South India.
Benchmarked against the RBI Master Direction on KYC (Updated Directions) and PMLA standards. Comprehensive validation of C-KYC integration, customer risk categorization, cash structuring (CTR/STR), and beneficial ownership across JLG, SHG, HL, LAP, RMEL, RPL, and GOLD asset lines.
Offline verification compliance, masked ID storage rules, Officially Valid Documents (OVD) validation, and strict spouse identification trails.
KYC verification of SHG President, Secretary, and animated members; resolution copy checks, and identification of ghost members in group clusters.
Mandatory 14-digit C-KYC identifier generation, PAN linking checks, permanent address proofs, and co-applicant / guarantor verification.
Beneficial owner tracing (10% threshold for companies/partnerships), PEP screening of directors, board resolution validity, and PMLA compliance.
Verification of Udyam Certificate, GSTIN active status, Shop & Establishment license, current account bank resolution, and trade tax records.
Detection of synthetic identity fraud, fake tax/income records, salary slip fabrication, and repeated contact details across multiple accounts.
Strict enforcement of ₹20,000 cash disbursement limits (statutory banking channel mandate), cash smurfing detection, high-value pawn audits, and Cash Transaction Reports (CTR) readiness.
Managing 50,000+ customer records or migrating legacy KYC data? Speak with our AML lead.
Chat on WhatsApp →Submit your borrower volume and target loan books to initiate customer due diligence sampling.