Summary
Overview
Work History
Skills
Accomplishments
Timeline
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Bharath Ravindranath

Bharath Ravindranath

Bangalore

Summary

Compliance/KYC, Electronic Money movement, Check review, Customer service and fraud prevention experienced individual with a zeal to grow and contentiously learn more to effectively contribute to the organization and make a difference.

Overview

13
13
years of professional experience

Work History

Fraud Specialist IV KYC/Compliance

JP Morgan Chase & Co.
Bangalore
01.2022 - Current
  • Perform due-diligence on consumer and business accounts to confirm they meet federal and regulatory compliance standards.
  • Working knowledge of trust and estate documents, Certificate of beneficial ownership, chase trust certificates, business identification documents, review OFAC and GSC flagged accounts, AML closures. NAICS, Power of Attorney documents, Court orders.
  • Review of Trust Documents, Certification of trust, Court orders for Estates and other required documents for Consumer Banking.
  • Understanding of AML red flags.
  • Understanding of the firm’s KYC requirements when reviewing documentation inclusive of Customer Identification Program (CIP), Standard Due Diligence (SDD), Enhanced Due Diligence (EDD), Local Due Diligence (LDD), Specialized Due Diligence(SpDD) and Product Due Diligence requirements (PDD).
  • Verifying Beneficiary Customer Identification Program (CIP) requirements for Business banking and also experience in working with North American Industry Classification System (NAICS) review.
  • Understanding of KYC and compliance regulatory requirements for new accounts and existing account both under Business Banking and Consumer Banking.
  • Help remediate errors on accounts reviewed by Day 2 review teams and KYC teams.
  • Application used: Customer assist (CA), Loss avoidance database (LAD), Enterprise Image Viewer (EIV), Lexis Nexis, Closing desk.
  • Review US state issued documents and IDs.

Fraud Specialist I

JP Morgan Chase & Co.
Bangalore
01.2018 - 01.2022
  • Provided the highest level of customer satisfaction during periods of extreme customer frustration and concern.
  • Responsible for reviewing account activity and performed a variety of operational tasks for a moderately complex process or function.
  • Responded to inbound phone calls regarding fraud activity, Check deposits, Electronic money movement and new accounts screening on deposit accounts.
  • Consistently demonstrated an understanding of basic fraudulent principles, as they related to decreasing fraud, cutting costs, and improving overall organizational effectiveness.
  • Successfully resolved fraudulent activity affecting deposit account holders, including charges/payments and financial transactions.
  • Extended guidance to less experienced staff; and, maintained complete and accurate documentation of all telephone and personal interactions.
  • Functioned continually as the dependable team member who could identify and reduce fraud to protect accounts and minimize the risk to the bank.
  • Recognized as Annual quality champ 2019.
  • Service excellence Q1 2021.
  • Application used: Loss avoidance database (LAD), Enterprise Image Viewer (EIV), Lexis Nexis.

Sales Associate

Shop-a-Docket
Bangalore
11.2017 - 12.2018
  • Lead sourcing via online portal.
  • Out calling businesses in regards to the advertising campaign & confirming sales.
  • Explaining the Terms/Benefits & booking clients on a contract for the advertising campaign.
  • Generating Leads.
  • Confirming sales through the genuine leads generated.
  • Email support.

Specialist

One Savings Bank India
Bangalore
01.2016 - 11.2017
  • Attending incoming calls in related to mortgage, interacting with the customer with proper etiquettes and maintaining records for the calls.
  • Interaction with customers about the mortgage policies, account information & redeeming procedures.
  • Keeping track with concerned departments to have the mortgage statements delivered in time.
  • Out dialing solicitor’s & customers to follow up with the Certificates & involved monthly mortgage statements, redemption statements, interest certificate, annual statements.
  • Contacting customers through e-mails to verify the required information, i.e id proofs, address proofs etc.
  • Handling multiple telephones lines in timely manner and direct the calls to the concerned person/ extension.
  • Involved multitasking skills to deal with fax & e-mails with internal departments & co-ordinate with solicitors to meet the turnaround committed time.
  • Responsible for the work when committed call back assurance to customers, solicitors, mortgage statements, fax & emails with the internal departments.

Specialist

First source Private Limited
Bangalore
01.2013 - 01.2016
  • Floor Walker for Sky Process, assistance for On job training teams.
  • Provide on call assistance to the OJT teams, mentoring the new joiners.
  • Case scrubbing the new joiners tickets.
  • Troubleshoot on Television setup box.
  • Assist customers with billing and payment issues.
  • Up-selling of Television entertainment Packages, Broadband and telephone.
  • Courtesy call backs and following up with the users.
  • Compilation of daily reports for the team leader.
  • Transferring the call to the Arrears and concerned help desks.

Skills

  • MS PowerPoint
  • MS Word
  • Effective written and verbal communication
  • Time management
  • Leadership
  • Teamwork
  • Adaptability
  • Problem solving
  • Critical thinking

Accomplishments

  • Service excellence Q1 2021
  • Service excellence Q2 2022
  • Quality champ Q1 2021
  • Quality champ Q2 2022
  • Quality champ Q2 2023
  • Service excellence Q3 2023
  • Trained & Mentored compliance/kyc teams
  • Service excellence team (Q1 & Q2 2022)
  • Q2 quality champ 2019
  • Service excellence 2019

Timeline

Fraud Specialist IV KYC/Compliance

JP Morgan Chase & Co.
01.2022 - Current

Fraud Specialist I

JP Morgan Chase & Co.
01.2018 - 01.2022

Sales Associate

Shop-a-Docket
11.2017 - 12.2018

Specialist

One Savings Bank India
01.2016 - 11.2017

Specialist

First source Private Limited
01.2013 - 01.2016

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Bharath Ravindranath