The realities of a dynamic economic environment, globalization, technological advances, growing unrest, cross-border terrorism and enhanced velocity of money, have increasingly converged to pose greater challenges to domestic and international security, law and order. It is now understood that these risks are partly fueled by the exponential growth of financial crime. Over the last 15 years, the focus of governments, security establishments and regulatory authorities has shifted towards building regulations and enforcing compliance for financial institutions, large multinationals, cash-intensive businesses and public sector organizations. However, the past few years have shown that almost every organization, especially those who continue to expand globally into new and emerging markets, are now impacted by the burgeoning and comprehensive legal, economic and regulatory ramifications of Financial Crimes Compliance norms. Complicating matters further, organizations facing these norms, have to deal with risks and liabilities, across the range of criminal charges, access to capital, punitive measures, threat to brand, reputation, black-listing, fines and off late, an increasing number of prosecutions of individuals and executives. While the need for Financial Crimes Compliance is apparent, BMR Advisors is working with its clients and partners to build compliance programs, solutions and offer services, which combine human ingenuity, subject matter expertise and technological capabilities to manage the compliance needs of today and the future.

1. BMR Advisors
BMR Advisors is one of India’s leading
professional services organization, offering
a range of Risk, Legal, Tax and M&A
advisory for businesses of all sizes, in
India and Globally.
With engagements & projects delivered in
40+ Countries for over 750 clients, most
of whom are Fortune 500 organizations,
BMR is one of the largest providers of
multidisciplinary professional services with
a global network that ensures integrated
service to clients across the world.
Risk & Advisory Practice
BMR’s Risk and Advisory practice offers
a complete suite of services to Global
and Indian companies, encompassing
Process & Performance Consulting,
Financial Crimes Compliance, Data
Analytics, Due Diligence and Fraud &
Forensics services, to help management
make better and informed decisions.
The firm enhances value for clients by
focusing on solutions that are innovative,
yet practical and implementable. This is
achieved by blending domain expertise
with analytical rigour, while maintaining an
uncompromising focus on quality and by
nurturing high quality professionals with a
passion for excellence.
Your Views
We look forward to hearing your views
on Anti-Bribery Compliance, Anti-Money
Laundering, Fraud & Forensics, Data and
Database related issues and understand
which solutions or programs may help
your organization in preventing financial
crimes related risks. Please connect with
our BMR Risk & Advisory team which
has been involved in researching and
developing a cohesive & holistic view on
Financial Crimes, while also developing
practical solutions around it.
The information contained in this document is for general information purposes only. While the firm endeavors to keep the information up to date and correct, we make no
representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the document or the information
provided therein. All information contained in this document may be acquired from publically available sources and hence any reliance you place on such information is therefore
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re-publish or re-distribute the document or derivatives thereof.
© Copyright 2015, BMR Business Solutions Pvt. Ltd. All Rights Reserved
Sarabjeet Singh
Leader Financial Crimes Compliance
Partner
+91 124 669 5044
sarabjeet.singh@bmradvisors.com
Sanjay Mehta
Leader Risk & Advisory
Partner
+91 124 669 5080
sanjay.mehta@bmradvisors.com
Abhishek Bali
Data & Database Services
Vice President
+91 124 669 5033
abhishek.bali@bmradvisors.com
Harkishan Bhatia
Fraud & Forensic Services
Director
+91 124 669 5091
harkishan.bhatia@bmradvisors.com

2. Financial Crimes
Compliance Brochure
Addressing Risks and
Building Safeguards
Anti-Bribery Compliance
Anti-Money Laundering
Fraud & Forensic Services
Data & Database Services

3. Reported instances of bribery and corruption have been on
an upswing, over the last 2 decades. As businesses continue
to expand across geographies and engage in international
transactions, their vulnerability to instances of bribery by
employees, subsidiaries and third parties increases.
Under the FCPA, UKBA & other global Anti-Bribery laws, the
increasing number of regulatory investigations & actions has
resulted in billions of dollars of fines, criminal charges and
extensive reputational damage.
Coverage
We have conducted diligences in Africa, APAC and a
number of engagements on implementing & fortifying
existing ABC mechanisms, especially by leveraging the
right tools and technology. Analytics has been a key driver
for case monitoring.
Money laundering and terror financing is made possible
by the misuse of established banking and global
financial channels. AML regulations such as the FATF
recommendations, Patriot Act, FSA guidelines and
KYC norms mandate financial institutions to implement
comprehensive AML measures and report suspicious
activities by developing a holistic program. However,
organizations continue to struggle with business pressures,
enhanced global norms and sophisticated money-launderers
who have shown to be far more agile and inventive.
Coverage
Our experience with top Wall-Street banks covering over
240 jurisdictions, 30+ language capabilities and work
done in 25+ countries has enabled us to develop practical
regulatory know-how on BSA & Patriot Act and deployable
resources to solve AML challenges, globally.
ABC Program Setup
Establishing a business
specific ABC program based
on local & global regulations
and on-ground realities
ABC Diagnostic
Organization specific high
level or deep dive health
check-up of ABC program
and process effectiveness
Third Party Due
Diligence
Red-Flag Monitoring Market Intelligence
Diligence of Third Parties,
Business Partners & Vendors
based on perceived risk
levels and maturity of
relationship
India Program
Expert advice to counsel,
compliance officers and
audit departments regarding
India specific ABC gaps and
challenges
Monitoring of media, legal,
reputation, regulatory,
shareholding & PEP red
flags by leveraging tools and
research
Discreet or overt
investigations to assess
possible corruption and
bribery instances & red flags
using market relationships
Leveraging Analytics to
identify red flag transactions,
processes & relationships for
bribery violations
Anti-Bribery Analytics
Linkage Analysis
Assessing possible linkages
between third parties,
vendors, business partners,
employees, management
and PEPs
OurServiceOfferings
AML Compliance
Setup
Screening
Establishing an AML program
based on organizational,
regulatory and relevant KYC/
AML/CFT norms
Setup and support in
Regulatory, Operational,
Financial & Reputational
screening by using red flags,
rules, scenarios and cut-offs
Transaction
Monitoring
Rogue Websites
Monitoring
FATCA Compliance Risk Based
Framework
Setup and support in
establishing technology,
analytics, thresholds,
scenarios for evolving
transactions red flags
Monitoring rogue websites
which may be involved in
money laundering, fraud,
counterfeits, malware & theft
Identification, classification,
calculation, withholding,
reporting, account
remediation, designing &
testing support
Foundational element of
a holistic AML program
to ensure optimization,
efficiency, scalability &
resource focus
Sanctions Compliance
PEP Screening
Setup, Test & Execution of
processes for Customer,
Third Parties against National
& International Sanctions
Lists
Screening of Third Parties,
Entities, Individuals, Clients,
etc. to establish relationships
to Politically Exposed
Persons (PEPs)
OurServiceOfferings
1. Anti-Bribery Compliance
2. Anti-Money Laundering

4. The risk of fraud exists across industries, entity types,
departments and geographic areas. The recent spike in
investment activity and economic growth has also led to the
uncovering of varied typologies of frauds, misappropriations
and nefarious schemes by employees, stakeholders and
third parties. There is a need to identify and assess the
source of these issues to safeguard shareholder value.
However, it is impossible to do so, by only using conventional
investigative techniques.
Coverage
Over 400 Diligences & Forensic Investigations carried out
across Industries and jurisdictions by leveraging best in class
methodologies, technology & tools. We have supported
investors, stakeholders and regulatory authorities in
demystifying frauds.
Most organizations continue to struggle in managing their
data, while others have harnessed their intrinsic strength in
building a shield against frauds, risks and financial crimes.
Such a shield is built upon a program which can offer insight,
red flags and lead to effective monitoring of third parties,
customers and other such parameters, to indicate risk.
Today, data is not just the best defence against risks but also
an organization’s greatest asset in enhancing business. Our
services and support are aimed at making this a reality for
data and risk aware organizations globally.
Coverage
We define database requirements from the ground-up,
using a contextual lens to ensure that it is aligned to defined
goals. We leverage research, scalable processes, analytical
skills and the requisite technologies to make this happen for
clients globally.
3. Fraud and Forensic Services
4. Data and Database Services
Corporate
Governance
Fraud Analytics
Formulating policies for
fraud management, code
of conduct, whistleblowing
& supporting the fraud
management committee
Leveraging analytics to
identify red flag transactions,
processes, linkages
relationships across various
fraud typologies
Fraud Risk
Assessment
Fraud Investigation
Forensic Accounting Training & Workshops
Comprehensive
assessments to identify &
evaluate risks & strengthen
existing fraud management
framework
Internal & external
investigation of willful
misconduct on the part of
employees/ management/
third parties
Identification of irregularities
in books & records,
systematic review of
accounting systems, internal
controls & data theft
Training sessions to apprise
employees, stakeholders &
directors of potential fraud
indicators & best practices
Fraud Diagnostic
Review
Competitive
Intelligence
High level assessments to
determine the health of the
organization and analytics
based integrity checks
Develop intelligence related
to competition and possible
fraudulent actions during
competitive bidding
OurServiceOfferings
Database Asset
Development
Database Insights
Setup & Development
of a ‘Data Asset’ for the
client based on agreed
specifications, structure &
linkages
Developing the right, context
driven insights on existing or
planned database to define
the future course of the data.
Database Remediation Data Program
Assistance
Database
Maintenance
Data Leverage &
Fortification
Remediation of the records,
fields, architecture and rules
of a database based on the
desired or required evolved
state
Advisory and handholding
for an organization looking
at developing in-house data
capabilities
Maintenance and support for
the database to ensure live
and updated information for
the client’s purposes
Extracting and building
existing client data which
may be internal in nature to
enhance its intrinsic value
Testing & Validation
Center of Excellence
Testing & validation of a
live or architecture stage
database to determine
possible scaling, definition
and entry issues
Setup and Establishment of
offsite or on-site CoE based
on client data, process
needs and business goals
OurServiceOfferings