Divya Balakrishnan

Understanding How Money Moves, Where Risk Emerges, and Who Controls It

My career started in traditional finance, but looking back, the common thread was never just finance itself. It was understanding how businesses operate, how money moves, who controls it, and where risk exists. Over the years, that took me from banking relationships, corporate structures, and investment operations into digital assets, compliance, AML, transaction monitoring, and financial crime. Today, I continue building on that experience through blockchain analysis, OSINT research, and projects focused on understanding risk across both traditional and digital financial systems.

🏆 Recognition
🏆
Runner-Up JP Intelligence On-Chain Crypto Tracing Challenge
🔍
OSINT Elite Tier · #50 · 274 pts OSINT Industries
🎓
Professional Certifications CAMS | G-FCCI | Chainalysis Reactor
📈 Experience Snapshot
12+Years Experience
$150M+Assets Supported
15+Entities Managed
7Jurisdictions
23Banking Relationships
25+Onboarding Reviews
📍 LocationDubai, UAE
💼 StatusOpen to Work
🌐 LanguagesEN · TA · SI · HI
✉ Emaildbbdivya@gmail.com
From Traditional Finance to Financial Crime & Web3

📈 My Journey

My career started in traditional finance, but looking back, the common thread was never just finance itself...

🏦
Traditional Finance
Unity Consulting Services
🔗
Digital Asset Operations
B2Broker Group
🛡️
Compliance & AML
SwiftX DLT Pay
⚙️
Blockchain Operations
Client Engagement
🔍
Financial Crime Intelligence
Research & Projects

🔍 Financial Crime Intelligence  ·  Independent Research & Analytical Projects

2025 – Present · Ongoing

Blockchain Intelligence & OSINT Research

Applying lessons learned from banking, compliance, transaction monitoring, and digital assets to better understand attribution, risk, and behavioural patterns across blockchain ecosystems.

  • Conducted wallet attribution and clustering research across multiple blockchains.
  • Performed exchange deposit and withdrawal pattern analysis.
  • Conducted cross-chain transaction tracing and mixer-related flow analysis.
  • Analysed behavioural transaction patterns and risk indicators.
  • Conducted OSINT investigations across blockchain, social, and infrastructure data.
  • Participated in intelligence challenges and published independent research.
Output
  • Investigation Reports & Challenge Write-Ups
  • OSINT Elite Tier · #50 · 274 pts
  • JP Intelligence Challenge Runner-Up
  • Ongoing Independent Research
Carried Forward → Connecting banking knowledge, compliance operations, transaction monitoring, and blockchain intelligence to better understand risk, attribution, and emerging financial crime patterns across digital asset ecosystems.

🚀 Projects

✅ Version 1.0 Live

Financial Crime & Risk Knowledge Platform

financial-crime-risk-knowledge.netlify.app ↗

Built to support continuous learning across Financial Crime, AML/CFT, Due Diligence, Risk Management, FinTech Compliance, Digital Assets, and Gaming Fraud. Makes complex compliance concepts practical through assessment-based learning.

Roadmap

Expanded question banks · Transaction Monitoring scenarios · Blockchain investigation exercises · Digital Asset risk assessments · Fraud typology simulations · Real-world case studies

🔬 Research & Design Phase

Pre-Send Crypto Safety Check

Cryptocurrency transactions are often irreversible, leaving users vulnerable to scams, fraud, sanctions risks, and high-risk wallet interactions. This tool aims to provide a practical pre-transaction safety assessment to identify risks before funds are transferred.

Future Vision

Wallet reputation intelligence · Sanctions screening · Scam detection indicators · Transaction risk scoring · Consumer-focused Web3 safety tools · Early-warning mechanisms for new users

🔬 Research & Development

CERIP

Many scams and fraud schemes leave warning signs long before victims become aware. CERIP explores how risk indicators, OSINT, transaction activity, behavioural patterns, and publicly available intelligence can support earlier identification of suspicious activity.

Future Vision

Early scam & fraud indicator identification · Risk intelligence frameworks · OSINT-based research methodologies · Digital asset risk signals · Applications for investigators, compliance teams, and institutions


Blockchain & Intelligence Portfolio

01 / Investigation

Multi-Chain

Private Key Compromise & Multi-Chain Fund Flow Investigation

Structured blockchain investigation examining unauthorized wallet-draining activity, intermediary routing, bridge interactions, TRON stablecoin movement, and downstream Bitcoin peeling-chain analysis across BNB Chain, TRON, and Bitcoin ecosystems.

Investigation Focus
  • Wallet-draining analysis
  • Cross-chain bridge tracing
  • TRON stablecoin routing
  • Bitcoin peeling-chain & UTXO tracing
  • Lightning Network exposure review

Tools: BscScan · TronScan · Arkham Intelligence · Breadcrumbs · OKLink · Mempool.space

View Full Investigation Report ↗

02 / Investigation

Wallet Clustering

Coordinated Meme Token Launch & Fund Flow Investigation

Comprehensive blockchain investigation analysing coordinated wallet activity, bundled transaction execution, metadata linkage, promotional infrastructure, cross-chain liquidity movement, and exchange-linked routing across Solana and Ethereum ecosystems.

Investigation Focus
  • Wallet clustering & bundle analysis
  • Metadata inspection
  • Promotional infrastructure analysis
  • Cross-chain liquidity tracing
  • OSINT correlation

Tools: Solscan · Arkham Intelligence · Breadcrumbs · Bubblemaps · RugCheck · WHOIS/RDAP · Telegram OSINT

View Full Investigation Report ↗

03 / Investigation

Mixer Analysis

Tornado Cash Exposure & Laundering Flow Investigation

Blockchain investigation examining Tornado Cash withdrawal behaviour, intermediary wallet routing, laundering flow continuity, clustering analysis, and downstream decentralized routing activity on Ethereum.

Investigation Focus
  • Tornado Cash tracing
  • Laundering flow reconstruction
  • Wallet clustering & layering ID
  • Behavioural transaction analysis
  • Exposure assessment

Tools: Arkham Intelligence · Breadcrumbs · Etherscan

View Full Investigation Report ↗

04 / Investigation

USDT Theft

USDT Theft Flow Analysis & Exchange Deposit Review

Investigation analysing the theft and routing of 100,042 USDT across Ethereum intermediary wallets, layered transaction movement, consolidation behaviour, and exchange-linked routing patterns.

Investigation Focus
  • Theft-flow reconstruction
  • Wallet layering analysis
  • Exchange clustering review
  • Consolidation behaviour assessment
  • Exchange-routing analysis

Tools: Arkham Intelligence · Breadcrumbs · Etherscan · OKLink

View Full Investigation Report ↗

05 / Investigation

Cross-Chain

Cross-Chain Fund Flow Analysis & Source of Funds Review

Cross-chain investigation tracing across Solana, Ethereum, and Arbitrum through Wormhole and Across Protocol bridge infrastructure into exchange-linked destination wallets.

Investigation Focus
  • Cross-chain tracing
  • Bridge interaction analysis
  • Source-of-funds review
  • Transaction continuity assessment
  • Exchange-linked routing analysis

Tools: Arkham Intelligence · Solscan · Etherscan · Arbiscan · Wormhole Explorer · Across Protocol Explorer

View Full Investigation Report ↗

06 / OSINT

Intelligence

OSINT, GEOINT & Intelligence Investigation Challenges

Completed multiple practical intelligence-analysis and OSINT challenges focused on blockchain tracing, attribution analysis, GEOINT, metadata investigation, social-media intelligence, dark-web research, and behavioural analysis.

Investigation Focus
  • Identity correlation
  • GEOINT analysis
  • Metadata extraction
  • Infrastructure analysis
  • Dark-web OSINT

Methodologies: Structured analytical workflows · Evidence reconstruction · Investigative reporting

View Full Investigation Report ↗

Credentials & Certifications


Current Areas of Focus

🛡️

Financial Crime

🔗

Digital Asset Risk

📊

Transaction Monitoring

🏢

KYB & Corporate Intelligence

🔍

OSINT & Blockchain Analytics



Areas of Experience

🛡️

Financial Crime & Compliance

AML / CFT CDD / EDD KYB Transaction Monitoring Sanctions Screening Regulatory Compliance
Tools

Sumsub

🔗

Digital Assets & Blockchain

Digital Asset Operations Crypto Reconciliation Wallet Analysis Fund Flow Tracing Cross-Chain Analysis DeFi Classification Bridge Transaction Review
🔍

Intelligence & Investigations

OSINT Research Attribution Analysis Behavioural Analysis Corporate Intelligence Risk Assessment Wallet Clustering Mixer Analysis
Tools

Chainalysis Reactor · Arkham Intelligence · Breadcrumbs · MetaSleuth · Bubblemaps · Blockchain Explorers (Etherscan, Solscan, TronScan, OKLink)

🏦

Banking, Treasury & Finance

Banking Relationships Treasury Operations Fund Accounting Financial Reporting Multi-Currency Reconciliation Investment Operations
Tools

Excel · Power BI · QuickBooks · Xero · Bitwave

Connect