Balaji Sekar
Thanjavur
Summary
Dynamic banking professional with extensive experience at DBS Bank India Ltd and City Union Bank Ltd, specializing in client relations and driving business growth. Proven leadership in banking operations, effective problem-solving skills, and a strong commitment to compliance and customer satisfaction. Expertise in TCS-BaNCS, transaction monitoring, and risk assessment ensures excellence in service delivery.
Overview
5
5
years of professional experience
Work History
Customer Service Officer – National Distribution
DBS India Ltd
03.2023 - Current
- Evaluated client AML KYC risk, conducted independent research, verified appropriate risk Profile, and made independent risk profile assessment recommendations
- Administered the overall branch banking operations which involved client on-boarding process, i.e., Account opening process along with detailed documentation check and involved in client acquisitions (both retail and corporate)
- Validating the documents at the time of account opening, Re-KYC and unfreezing the existing dormant account based on KYC guidelines
- Ensured compliance with all applicable regulations and bank policies for all processes done by day to day and address customer queries and grievances within the defined timelines and escalate when required to the appropriate authorities
- Handled inventory management, secured stationaries, customer deliverables as per rule book
- Tools & Applications: Branch Connect, CBG-AOS, Leaps, Client Connect, IWF, I-net, Outlook
Banking Officer
City Union Bank Ltd
11.2019 - 03.2023
- Excellent hands-on experience in the Core Banking Software Suite named TCS-BaNCS for use of retail and corporate banking transactions
- End to End customer account maintenance procedures such as, Eligibility check and KYC documentation and verification
- Review, update and verify the existing customer’s KYC details
- Educating/Supporting the customers about various products and to avail self-service banking solutions/options for easy and smooth banking
- Accountable for reviewing account opening documentation for new banking products which included asset/ wealth management accounts
- Processing of RTGS, NEFT, Transfers requests on regular intervals & follow up on real time basis for completion of transaction
- Regular Follow-up of post sanction loans which includes of Renewal DPN, Insurance on stocks and immovable proprieties, collateral management
- Sourcing of advances like working capital loan, Housing loan, LAP by assessing the market condition and financial worthiness of client
- Keenly follow the banking regulations for the responsible account holders which includes of monitoring the financial transactions above allowed limit / threshold limit and scrutinizing the transactions to measure /identify the risks of legally unauthorized deposits/transfers
- Ex
- Money Laundering
- In depth Knowledge in routine activities like, Inventory Management, Cheque Truncation System Policies, Compliance on day-to-day transactions and Regional Office Queries/ Audited Queries
- Regular check on transaction alert and bank policy announcement
- Tools & Applications: TCS-BaNCS, Intranet 2.O, Ethics, LAPS, Telesmart and Zimbra
Education
Bachelor of Technology - Civil Engineering
SASTRA UNIVERSITY
ThanjavurDiploma in Civil Engineering -
SASTRA UNIVERSITY
ThanjavurSkills
- Leadership Acumen
- Risk Evaluation
- Adaptability
- Client Engagement
- Problem Solving
- MIS Reporting and Analysis
- Banking Process Optimization
- Time Management
- Transaction Monitoring
- Sales management
- Staffing optimization
- Loan Documentation Management
- Branch operations management
Accomplishments
- MD & CEO Honour for LI Campaign (CUB)
- Recognized for Exceptional Customer Service (DBS)
- Awarded for high volume of PL disbursement - FY 2024 (DBS)
Certifications
- AML / KYC for CAMS Certification by UDEMY
- IRDA Certification.
Languages
- Tamil
- English
Personal Information
- Date of Birth: 05/11/98
- Nationality: Indian
- Marital Status: Single
Timeline
Customer Service Officer – National Distribution
DBS India Ltd
03.2023 - Current
Banking Officer
City Union Bank Ltd
11.2019 - 03.2023
Bachelor of Technology - Civil Engineering
SASTRA UNIVERSITY
Diploma in Civil Engineering -
SASTRA UNIVERSITY
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