ABI MOHANAN
Internal Auditor
Thrissur
Summary
Banking professional with 11+ years of experience in Retail Banking, specializing in Customer Onboarding, Sales, Compliance, Credit Operations and Risk-Based Audit. Proficient in Finacle Core, Finacle CRM, Flexcube, and Maarvel. Known for delivering results independently and within teams, with a focus on operational excellence and continuous improvement.
Overview
12
12
years of professional experience
13
13
years of post-secondary education
1
1
Certification
4
4
Languages
Work History
Senior Manager, Risk Based Internal Audit
CSB Bank Ltd.
06.2023 - Current
- Conducted risk-based internal audits across retail liability products and banking operations to ensure regulatory and procedural compliance.
- Led special audits in branches with suspicious or potentially fraudulent transactions, identifying control gaps and recommending corrective actions.
- Performed Forex audits in branches and departments handling foreign exchange transactions, ensuring adherence to RBI and internal guidelines.
- Executed department-level audits to assess centralized processes and operational efficiency.
- Audited vendor offices to verify compliance with contractual obligations and service-level agreements.
- Prepared and released comprehensive audit reports within defined timelines, ensuring clarity and actionable insights.
- Highlighted critical compliance lapses to the Chief Auditor and key stakeholders for immediate attention and resolution.
- Identified system control weaknesses contributing to operational risks and recommended process improvements.
- Mentored auditees on audit closure and compliance, fostering a culture of accountability and continuous improvement.
- Delivered on-site training to newly recruited staff, enhancing their understanding of audit procedures and compliance standards.
Chief Manager, Branch Operations
Indusind Bank Ltd.
10.2021 - 06.2023
- Monitoring branch operations with a strong focus on delivering exceptional customer service and fostering meaningful customer engagement.
- Ensured adherence to customer service standards, effectively minimizing complaints and handling escalations with efficiency.
- Strengthened customer relationships and maximized revenue through strategic cross-selling and upselling initiatives.
- Maintained seamless day-to-day branch operations, ensuring efficiency and service continuity.
- Upheld the highest standards of regulatory and internal compliance across all branch activities.
- Oversaw the upkeep and functionality of branch infrastructure, including physical premises and IT systems.
- Awards & Recognition: Honoured with 6 Best Performer Awards for excellence in selling investment products.
Manager, Personal Banker Authoriser
HDFC Bank Ltd.
03.2020 - 09.2021
- Oversaw and monitored branch transactions and sales activities to enhance the value of existing accounts and ensure portfolio retention.
- Supervised Personal Banker desks, contract sales staff, branch administration, and lobby management to maintain operational efficiency.
- Ensured delivery of high-quality customer service, resolved customer queries and complaints, and addressed walk-in customer needs effectively.
- Monitored staff productivity and provided performance guidance in collaboration with the Branch Manager.
- Ensured strict adherence to branch operations protocols and audit compliance standards.
- Authorized key transactions including Personal Banker operations, corporate salary processing, and noncash transactions such as demand drafts, fund transfers, and more.
- Managed cost control, teller operations, and customer transactions, ensuring accuracy and compliance.
- Led branch merchandising efforts, drove business generation, and monitored cross-selling performance of Personal Bankers.
- Generated leads for third-party products and ensured all tellers were well-trained on bank products.
- Awards & Recognition: Received accolades for Best Branch Compliance and for Achieving Liability & Investment Targets.
Deputy Manager Band II, Branch Operations Manager
ICICI Bank Ltd.
02.2015 - 02.2020
- Ensured seamless branch operations by adhering to established banking norms and procedures.
- Oversaw business performance, compliance, and operational efficiency to maintain high service standards.
- Made strategic, cost-effective decisions aimed at revenue generation and operational optimization.
- Monitored branch sales targets and developed strategies to acquire new customers and expand existing relationships through tailored financial solutions.
- Achieved annual branch targets as outlined in the Annual Operating Plan (AOP) by formulating actionable strategies and driving profitability through operations and cross-selling.
- Maintained up-to-date knowledge of financial products to offer relevant and personalized advice to customers.
- Reduced customer waits times, thereby enhancing overall customer satisfaction and service experience.
- Boosted productivity and revenue generation of Value Bankers (VBs) through performance management and support.
- Awards & Recognition: Honoured for Achieving Liability, Asset, and Investment Targets.
Executive Operations, on Contract
Federal Bank Ltd.
03.2013 - 04.2014
- CIBIL & CERSAI reports Generation, MCA data check.
- Wilful defaulters/AML/Pan check/validations.
- Credit department Data Entry works for the retail/corporate limit facilities & Record keeping.
Education
Post Graduate Diploma - Banking
Manipal Academy of Banking
Bangalore 01.2014 - 04.2015
Bachelor of Technology - Electrical and Electronics Engineering
Toc H Institute of Science and Technology
Aarakkunnam 01.2008 - 04.2012
High School - Computer Science
S N D P H S S
Udayamperoor 01.2006 - 04.2008
High School - Kerala State Board
St. Rita's High School
Ponnurunni 01.2001 - 04.2006
Skills
Regulatory Compliance & Risk-Based Internal Audit
Transaction Monitoring & Fraud Detection
Core Banking Systems: Finacle Core, Finacle CRM, Flexcube, Maarvel
Retail Banking Operations
Customer Onboarding & Relationship Management
Banking Sales & Liability Products
Credit Processing & Risk Assessment
Foreign Exchange Operations
Process Improvement & Operational Efficiency
Team Collaboration & Independent Execution
Analytical Thinking & Problem Solving
Excellent Communication & Interpersonal Skills
Microsoft Office (Excel, Word & Power point)
Basics of Java J2SE,C, C and SQL
Extra-Curricular Activities
Leadership Positions
1. Trained and mentored the new recruits in internal auditing, CSB Bank Ltd., Year - 2024
2. Trained and mentored a team of 8 members in banking operations & sales, Indusind Bank Ltd., Year - 2022
3. Trained and mentored a team of 5 members in banking operations & sales, HDFC Bank Ltd. Year - 2021
4. Trained and mentored a team of 5 members in banking operations & sales, ICICI Bank Ltd. Year - 2018
Hobbies
- Writing Poems,
- Watching Reality Shows Music-Dance
- Gardening
Certification
Accounts and Audit by NIBM, Pune
Timeline
Accounts and Audit by NIBM, Pune
02-2025
Senior Manager, Risk Based Internal Audit
CSB Bank Ltd.
06.2023 - Current
Chief Manager, Branch Operations
Indusind Bank Ltd.
10.2021 - 06.2023
Manager, Personal Banker Authoriser
HDFC Bank Ltd.
03.2020 - 09.2021
Deputy Manager Band II, Branch Operations Manager
ICICI Bank Ltd.
02.2015 - 02.2020
Post Graduate Diploma - Banking
Manipal Academy of Banking
01.2014 - 04.2015
Executive Operations, on Contract
Federal Bank Ltd.
03.2013 - 04.2014
Bachelor of Technology - Electrical and Electronics Engineering
Toc H Institute of Science and Technology
01.2008 - 04.2012
High School - Computer Science
S N D P H S S
01.2006 - 04.2008
High School - Kerala State Board
St. Rita's High School
01.2001 - 04.2006