Attaullah Khan
New Delhi
Summary
Dynamic banking professional with extensive experience at HDFC Bank, excelling in KYC verification and regulatory compliance. Proven track record in risk management and effective communication, successfully enhancing customer satisfaction and driving operational efficiency. Adept at overseeing compliance audits and fostering strong client relationships to achieve business objectives.
Overview
2
2
Languages
8
8
years of professional experience
Work History
PB Authoriser
HDFC Bank
12.2024 - Current
- Authorized Savings, Current, Salary, and NRI accounts after thorough verification of KYC documents to ensure compliance and accuracy.
- Ensure CKYC, PAN, Aadhaar, FATCA, and AML compliance.
- Oversaw KYC documentation to maintain compliance with regulatory requirements.
- Verified Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) requirements.
- Monitored high-risk customers and suspicious transactions to mitigate risk and enhance compliance efforts.
- Ensure adherence to RBI, AML, and internal compliance guidelines.
- Reject or hold cases with discrepancies and guide PB/Relationship Manager for correction.
- Transaction & Service Authorization
- Authorize: Cheque book & debit card issuance, Address/mobile/email updates, Limit modifications, Standing instructions
- Managed account opening process by verifying customer identities and documentation.
- Handled service requests (SRs) and ensured TAT compliance.
- Risk Management and Fraud Prevention
- Identify potential fraud, forged documents, or impersonation cases.
- Ensure proper maker-checker control.
- Escalate suspicious activities to Compliance / Risk / CPU teams.
- Prevent account misuse and regulatory violations.
- Customer Interaction & Service Quality
- Resolve customer queries related to account opening and documentation.
- Ensure high standards of customer experience.
- Coordinate with branch staff to resolve customer complaints efficiently.
- Audit & Documentation
- Ensure all documents are properly scanned, indexed, and stored.
- Prepare branch for internal, concurrent, and RBI audits.
- Rectify audit observations within stipulated timelines.
- Process Improvement & Training
- Guide PBs and front-line staff on correct processes and documentation.
- Share updates on policy changes and new RBI/HDFC guidelines.
- Support branch targets without compromising compliance.
- Compiled and maintained accurate reports on account opening and compliance metrics.
- Maintain accurate MIS related to:
- Account opening rejections
- KYC pendency
- Compliance observations
- Report deviations to Branch Manager / Operations Head.
Branch Operations Manager
Utkasrh Small Finance Bank
09.2023 - 11.2024
- Handling increasing sales revenues, exceeding targeted sales goals, developing profitable and productive business relationships and market development
- Handling and processing Retail Banking, Corporate Banking and Loans etc.
- Led a team to ensure effective collaboration and task completion.
- Resolved escalated customer complaints through effective communication.
- Coordinated concurrent, IAD, and structural audits to uphold regulatory standards.
- Handling up skilling of service quality in branch.
- Managed legal cases to ensure compliance and resolution.
- Oversaw deceased cases to provide support and facilitate necessary processes.
- Understanding and monitoring clients' portfolio performance and conducting profitability analysis
Deputy Branch Manager
DCB Bank
04.2022 - 09.2023
- Managed short-term and long-term funding requirements for business clients and individual customers to support financial goals.
- Handled Profit & Loss management for branch and served as backup branch manager to ensure seamless operations in absence of BM.
- Building relationships with high net worth individuals.
- Oversaw lobby activities to create a welcoming environment, enhancing customer experience.
- Handling a team of 3 customer service executives and acquiring business with them
- Ensure targets delivered through self performance review
- Resolution of customer queries/complaints
- Review Branch reports like End of day (EOD) cash position report, Instruments issued etc
- Monitored dummy accounts, suspense accounts, deferred accounts, and accounts payable/receivable.
Relationship Officer (Promoted)
IDFC First Bank
07.2020 - 03.2022
- Met with customers to discuss evolving needs and assessed quality of company relationships.
- Developed and implemented sales initiatives and programs targeting key demographics.
- Sell to existing and potential direct accounts as well as provide added value in selling products.
- Identified potential clients and developed strategies to generate leads.
- Develop, maintain and execute a territory plan.
- Provide daily report of field sales success and communicate voc data to superiors.
- Ensure targets delivered through self performance review.
- Achieved high professional standards while consistently meeting monthly sales targets.
Sr. Sales Officer
IDFC First Bank
07.2020 - 03.2022
- Achieved monthly sales targets for various products and services.
- Cross-sold banking assets and fee-based products, enhancing customer financial portfolios and driving revenue growth
- Proactively identify sales prospects and conduct business development activities in the geography assigned Follow up on new leads and referrals to generate business
- Generated new customer leads through targeted channels, increasing potential sales opportunities
- Ensure customer satisfaction through regular engagement
- Resolved customer queries and facilitated service, ensuring high levels of customer satisfaction and retention
- Follow the various internal guidelines and procedures of the bank
- Maintain periodic status reports, including daily activity report and calls/follow-ups made
Surveyer
Govt. Of National Capital Territory of Delhi Directorate of Economics & Statistics
11.2018 - 09.2019
- Carried out field surveys in various locations for the Directorate of Economics & Statistics, Delhi.
- Collected household and establishment data using prescribed survey schedules.
- Verified survey entries against source records and field observations.
- Coordinated with Government of National Capital Territory of Delhi Directorate of Economics & Statistics on Household Survey of Socio-Economic Profile to gather and analyze data for policy development.
Education
Bachelor's Degree - Political Science
Delhi University - Sri Aurobindo College
Delhi06-2018
Skills
- KYC verification
- CKYC compliance
- AML screening
- Customer due diligence
- Account authorization
- Regulatory compliance
- Compliance oversight
- Risk management
- Maker checker control
- Audit coordination
- MIS reporting
- Attention to details
- Effective communication skills
- Great interpersonal skills
- Product knowledge
Accomplishments
- - Outstanding Service
- - High Value Account Achievers
- - Certificate of Zonal Level in Play
- - National Cadet Corps 'C' Certificate
- - Certificate of Parasailing in PM Rally
- - Best Cadet Award in 2013-2014
- DCB BANK ACHIEVEMENTS :-
- Retail Term Deposit Acquisition All India Rank 1st.
- Retail Term Deposit Growth All India Rank 2nd.
- Balance Sheet Growth All India Rank 5th.
- IDFC FIRST BANK ACHIEVEMENTS :-
- Pecial Diamond High Value Certificate December 2020
- Life Insurance Trophy Achievement March 2021
- High Value Account Acquisition Certificate June 2021
- CASA Acquisition Certificate July 2021
- HH Acquisition Certificate September 2021
Languages
English
Proficient
Hindi
Native/ Bilingual
Timeline
PB Authoriser
HDFC Bank
12.2024 - Current
Branch Operations Manager
Utkasrh Small Finance Bank
09.2023 - 11.2024
Deputy Branch Manager
DCB Bank
04.2022 - 09.2023
Relationship Officer (Promoted)
IDFC First Bank
07.2020 - 03.2022
Sr. Sales Officer
IDFC First Bank
07.2020 - 03.2022
Surveyer
Govt. Of National Capital Territory of Delhi Directorate of Economics & Statistics
11.2018 - 09.2019
Bachelor's Degree - Political Science
Delhi University - Sri Aurobindo College