Banking Operations Retail

CAREER OBJECTIVE

Ambitious and self-motivated professional having exceptional communication skills, with over 3 years’ experience in banking operations. Proven ability to quickly adapt to changing situations and find solutions designed to ensure customer satisfaction. Seeking to leverage my interpersonal and problem-solving skills to pursue my passion in Banking and Finance.

RELEVANT ACADEMIC QUALIFICATIONS

Master of Business Administration (MBA) from University of Madras, India (Year 2001-2003)

Bachelor of Commerce (B. Com) from University of Madras, India (Year 1998-2001)

Certification - Finance and Accounting Program at Synoptech Systems Consulting Pte. Ltd., Singapore (9th July 2013-11th July 2013)

RELEVANT WORK EXPERIENCE

Remittance Processing Officer, State Bank Of India, Singapore (Jan 2023 - present)

Electronic remittances processing

•Performing customer enrolments and process remittances in line with bank's policy.

•Overseeing daily remittance transactions through all electronic channels ensuring efficient and timely processing of payments.

•Attending to customers’ remittance enquiries via telephone and email and following up internally on remittance transactions.

•Updating periodic KYC(Know your customer) for electronic channel customers.

•Working closely with IT / Operations team to ensure all alternate channels are processed within the stipulated turnaround time.

•Verifying and authorizing transactions, releasing of OFAC alerts, SWIFT payments/messages pertaining to electronic remittances.

•Reconciling outstanding balances in Suspense Accounts.

•Ensuring compliance with AML/CFT policy and responsible for transaction monitoring / attend to compliance queries on transaction monitoring alerts.

•Perform name screening duties for entities and individuals.

•Preparing reports (daily/monthly channel reports, management and statutory reports) on a timely basis.

•Participating in user acceptance testing for new project implementation as and when required

Corporate remittances and Term deposits

Manage day-to-day processing of remittances, control and monitoring of Outward remittance and Term Deposits for the bank's Corporate Clients.

•Processing of Corporate remittances.

•Liasing with treasury in obtaining exchange rates for cross currency remittances.

•Maintaining client relationship management with Corporate Shipping companies for bulk salary remittance and ensuring processing of salaries within stipulated turnaround time.

•Working closely with Corporate RMs and responsible for corporate term deposits including placement, renewal and withdrawal.

Retail branch operations

Work along with branch tellers in managing a variety of account transactions and services.

•Perform over the counter banking transactions for branch walk-in customers including opening of accounts; processing outward remittance transactions; handling customer enquiries; attending to customers’ account requests; and placement of deposits etc.

•Act as a cover for Customer Service Manager as and when required.

Team Leader in eServe International Ltd. (Funds Transfer Investigations for Citibank Operations) Chennai, India (Aug 2003 - Sep 2005)

Managed a team of 8 payment specialists involved in payment investigation enquiries covering 8 Citibank Europe branches (London, Paris, Amsterdam, Dublin, Stockholm, Brussels, Jersey, and Milan).

•Processed various SWIFT messages and payments (MT 100, 101, 103, 199, 202, 299, 999, etc.)

•Developed and implemented procedures, control systems for maintaining quality standards in SWIFT Funds Transfer and dispute resolution.

•Authorized work done by team members.

•Ensured maximum customer satisfaction by closely interacting with clients & understand their change requirements and implementing the process and services accordingly.

•Review of performance by the team to ensure quality control and preparing MIS reports for unit level audits.

•Created content and training curriculum for new team members.

•Supervised, trained, and developed a team of new processing specialists.

•Organized and conducted team building programs, to enhance skills and motivational levels and for staff retention.

•Provided feedback and conducted appraisals of team members for better performance.

•Was appointed as the department’s Records Manager in establishing, implementing, and administering record systems and related information services, to support efficient access, movement, updating, storage, retention and disposal of files and other organizational paper records for unit level audits.

•Initiated and completed a project in establishing important contact points of internal departments within Citigroup. This helped reduce turnaround time by 50% to initiate fresh payments during bulk payment rejections.

•Was considered as the one-point referral contact for usage of a specific system application in the department.

•Was awarded the achiever’s prize, twice for my team’s excellence in the department from year 2003-2004.

NON-BANKING EXPERIENCE

Worked as a preschool teacher from the year 2018 to 2021 and carried out various roles and responsibilities as a lead teacher.

Lead Montessori Teacher, Pink Tower Montessori, Singapore (Apr 2019 – Nov 2021)

Assistant Montessori Teacher, Yuvabharathi International School, Singapore (Oct 2018 - Mar 2019)

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