The PGDM Retail Management Department at Jagan Institute of Management Studies (JIMS), Rohini organized an insightful alumni session on “Behavioral Red Flags in Financial Consumers: Insights from AML & KYC Practices” on 10 January 2026, commencing at 03:30 PM onwards.
The session was conducted by Ms. Ankita Bhadula, Alumna PGDM–Retail Management (2012–2014) and currently serving as Anti-Money Laundering Manager at NatWest Group. The objective of the session was to provide students with practical exposure to Anti-Money Laundering (AML) and Know Your Customer (KYC) practices followed in retail banking, thereby bridging the gap between theoretical learning and real-world compliance environments.
The session began with a formal welcome and introduction of the speaker. As a mark of respect and appreciation, a sapling was presented to Ms. Bhadula by the Dean, symbolizing growth, responsibility, and sustainable learning. Ms. Bhadula then shared her professional journey and offered valuable insights into her hands-on experience in AML and compliance operations within global banking institutions.
A key focus of the session was the identification of behavioral red flags in financial consumers and the manner in which retail banks assess customer risk ratings using transaction behaviour, profiling, and continuous monitoring mechanisms. Through real-life case studies and practical examples, students gained clarity on how AML and KYC decisions are made beyond textbook concepts and why regulatory compliance plays a critical role in preventing financial crimes.
The session also emphasized the growing importance of ethical practices, vigilance, and regulatory adherence in the banking sector. Students actively engaged in discussions, gaining a deeper understanding of compliance roles and the responsibilities of financial institutions.
Key Takeaways
- Understanding behavioral red flags in financial consumers
- Gaining insights into real-world AML and KYC practices
- Learning how customer risk ratings are assessed in retail banking
- Appreciating the role of compliance in preventing financial crimes
- Exploring career pathways in AML and compliance functions
The session successfully reinforced the relevance of AML and KYC in students’ future careers and highlighted the significance of compliance professionals in today’s financial ecosystem. It concluded with a vote of thanks, making it a meaningful and enriching learning experience for all participants.