Aswini Kantharaj

• Resolved conflicts between employees by providing guidance on company policies and procedures.
• Conducted performance reviews for team members.
• Analyzed customer feedback data to develop action plans for improving services offered.
• Scheduled interviews for potential candidates and conducted reference checks prior to hire.
• Provided leadership during times of organizational change or crisis situations.
• Established processes to ensure efficient workflow throughout the organization.
• Monitored budgets and expenditures to ensure cost-effectiveness while maintaining quality standards.
• Ensured compliance with regulatory requirements and industry standards.
• Ensured compliance with all applicable laws, regulations, industry standards.
• Ensured compliance with industry regulations and company policies.
• Maintained up-to-date records of employee attendance, payroll information, vacation requests.
• Assessed team member's skillsets and assigned tasks accordingly for optimal efficiency.
• Created monthly reports for senior management summarizing operational performance metrics.
• Conducted regular meetings with staff to discuss progress and identify areas of improvement.
• Developed and implemented strategies to increase customer satisfaction and loyalty.
• Coached, mentored and trained team members in order to improve their job performance.
• Managed vendor relationships by negotiating contracts and ensuring timely delivery of goods and services.
• Enforced customer service standards and resolved customer problems to uphold quality service.
• Managed annual budgeting and forecasting, optimizing resource allocation.
• Streamlined communication channels, improving information flow and decision-making speed.
• Facilitated team meetings and workshops to foster collaboration and share best practices.
• Negotiated contracts and agreements with vendors and suppliers to reduce costs.
• Completed thorough opening, closing, and shift change functions to maintain operational standards each day.
• Coordinated cross-departmental projects to ensure timely and successful completion.
• Established and monitored KPIs to evaluate performance and identify areas for improvement.
• Led team meetings and one-on-one coaching sessions to continuously improve performance.
• Enhanced team morale and retention through recognition programs and career development opportunities.
• Led a team of 19 employees, ensuring high productivity and excellent customer service.
• Implemented process improvements, resultingin an increase in operational efficiency.
• Resolved customer complaints and issues promptly, maintaining a positive brand image.
• Managed risk by developing and implementing effective risk management strategies.
• Trained employees on additional job positions to maintain coverage of roles.
• Organized team activities to build camaraderie and foster pleasant workplace culture.
• Delegated work to staff, setting priorities and goals.
• Proposed or approved modifications to project plans.
• Planned and delivered training sessions to improve employee effectiveness and address areas of weakness.
• Analyzed business performance data and forecasted business results for upper management.
• Assigned work and monitored performance of project personnel.

• Drafted functional specifications documents outlining project scope, objectives and deliverables.
• Translated user needs into actionable items that could be addressed by IT teams.
• Gathered feedback from end users regarding usability issues related to applications or systems.
• Presented complex technical concepts in clear manner suitable for non-technical audiences.
• Prepared documentation summarizing findings from stakeholder meetings and workshops.
• Facilitated brainstorming sessions with cross-functional teams for problem solving activities.
• Collaborated with stakeholders across departments to define requirements for new projects.
• Created detailed process flows and user stories to document system requirements and design solutions.

• Monitored and analyzed risk operations data to identify trends and potential risks.
• Assisted in the development of policies, procedures, and controls related to risk operations functions.
• Participated in meetings with internal stakeholders to discuss current and future projects.
• Developed and implemented strategies to mitigate identified risks.
• Maintained accurate records of all transactions related to risk operations activities.
• Ensured adherence to established standards when processing payments or authorizing trades.
• Analyzed various market indicators and economic data points to inform decision-making around investments.
• Prepared detailed reports for senior management on risk operations performance.
• Conducted regular reviews of existing processes and procedures to ensure compliance with regulatory requirements.
• Tracked industry news related to relevant topics such as cyber security threats or regulatory updates.
• Collaborated with other departments to ensure proper implementation of risk management initiatives.
• Provided guidance and support to team members in resolving complex operational issues.
• Provided technical assistance to colleagues in understanding regulations governing risk operations.
• Created presentations outlining key insights from research into new products or services.
• Identified areas of improvement within the organization's risk operations framework.
• Researched valuable emerging markets, corporate clients and product opportunities.
• Reviewed risk management database reports for compliance and fraud prevention.
• Participated in division safety and security meetings and joint safety task force meetings.
• Collaborated with law enforcement officials for physical security breaches, safety emergencies and fraud cases.
• Reviewed portfolios, identifying risk factors, and determined methods to alleviate delinquencies.
• Maintained risk identification programs to reduce potential losses from workers' compensation and general liability insurance issues.
• Assisted employees with understanding the benefits of their 401K plan.
• Worked closely with payroll staff to ensure accurate processing of employee deductions for contribution amounts.
• Provided ongoing customer service to clients regarding their 401K accounts.
• Identified opportunities for improvement within existing processes and systems used in administering the company's 401K plan.
• Analyzed data to determine compliance with IRS regulations regarding qualified plans.
• Handled all inquiries from participants concerning account balances, distributions, loans.
• Facilitated annual review of plan documents including Summary Plan Description.
• Developed and implemented 401K plans for new hires.
• Ensured accuracy of financial statements related to the 401K plan by performing periodic reconciliations.
• Assisted in the preparation of quarterly audits conducted by third-party auditors.
• Monitored changes in laws affecting the administration of employer sponsored retirement plans.
• Administered employee insurance, pension and savings plans, working with insurance brokers and plan carriers.
• Negotiated collective agreements on behalf of employers or workers and mediated labor disputes and grievances.
• Developed and evaluated methods and techniques for selecting, promoting and training workers.
• Surveyed employees and conducted focus group meetings to collect job, organizational, and occupational information.
• Researched employee benefit and health and safety practices, recommending changes or modifications to existing policies.
• Reviewed requests for hardship withdrawals or loan repayments in accordance with IRS guidelines.
• Generated standard or custom reports summarizing business, financial or economic data.
• Analyzed and tracked data to prepare forecasts and identify trends.
• Collected, tracked and evaluated current business and market trend data.
• Identified or monitored current and potential customers using business intelligence tools.
• Maintained or updated business intelligence tools, databases or dashboards.
• Performed daily, weekly, and monthly reviews and analyses of current processes using operational metrics and reports.
• Supported the development team in understanding user stories, acceptance criteria and definition of done.
• Tracked metrics related to sprint performance and identified areas of improvement for future sprints.
• Acted as a servant leader to the development team by removing impediments and resolving conflicts.
• Encouraged continuous process improvement initiatives through retrospectives.
• Facilitated Scrum ceremonies, such as Sprint Planning, Daily Stand-Ups, Retrospectives and Reviews.
• Assisted with release planning and coordinated efforts between multiple teams working on related projects.
• Maintained product backlogs, ensuring that items are well defined and prioritized based on business value.
• Conducted demos of completed work at the end of each sprint cycle.
• Collaborated with other Scrum Masters across teams to ensure consistency in processes and tools used.
• Coached stakeholders on their roles in the Scrum process and how to best support the team's success.
• Enforced scrum values such as transparency, respect, commitment, courage, focus, openness and inspection.
• Provided guidance to Product Owners regarding Agile principles and best practices for managing product backlogs.
• Developed training materials to educate stakeholders about agile methodologies.
• Participated in feature design discussions offering insights from an Agile perspective when necessary.
• Identified risks associated with sprint goals and worked with the team to mitigate them.
• Kept up-to-date with industry trends in agile software development methods.
• Created dashboards using various tools such as JIRA, Confluence, Trello, to track project progress and milestones.
• Updated project plans based on changing objectives, specifications, and staff availability.
• Worked closely with sales teams to ensure client satisfaction from acquisition to proposal phases.
• Identified, addressed and either resolved or escalated project issues.
• Secured continuous project scope alignment with business objectives and made modifications to enhance effectiveness toward intended result.
• Produced thorough, accurate and timely reports of project activities.
• Assigned specific tasks to personnel, balancing scheduling demands, available resources and personal skill sets to achieve best possible project outcomes.
• Kept project teams on-task with proactive control of budgets, schedules and scopes.

• Negotiated loan terms and conditions with customers while ensuring that they meet company standards.
• Maintained accurate records of all underwriting activities within designated systems.
• Communicated loan decision results to applicants in a professional manner.

❖ Evaluate files for underwriting based on the behavior of the specific portfolio, documents, and customer's exposure ability, considering factors such as CIBIL score, location of residence, income level, employment category, and verification reports.

❖ Keep track of MIS to monitor Turnaround Time (TAT), sales errors, operational errors, etc., in order to identify areas of improvement.

❖ Conduct product training sessions for the team. - Regularly monitor TAT and update sales team on policy changes.

❖ Coordinate with verification team to ensure timely receipt of reports.

❖ Due to efficient handling of Hyderabad & Chennai locations, was assigned the responsibility for underwriting Alternate Channels, Retrieval, Service-related queries, and Staff applications.

❖ I was employed in the retail division of ANZ, where I gained valuable experience.

❖ At ANZ, I had the opportunity to work with E-sip and handle online transactions made by customers globally.

At ANZ, I had the opportunity to work in the retail sector, specifically dealing with E-sip and the global online transactions of customers, including currency conversions and RTGC transfers.