Banking professional with five years of progressive experience in retail and corporate banking, specializing in branch operations, customer relationship management, and portfolio handling.andling. Proven track record of managing mega branch operations at ICICI Bank as Senior Assistant Manager, leading compliance, audits, and customer service initiatives. Experienced in handling corporate employee relationships as Senior Manager – SM, and currently excelling as an Engagement Relationship Manager (ERM) at Kotak Mahindra Bank, driving client engagement, portfolio engineering, and business growth.
Engaging with a portfolio of 300+ clients, strengthening customer relationships and driving portfolio growth.
Improving CASA balances, enhancing TPP fee income, and increasing P2C (Product-to-Customer) penetration.
Conducting regular client meetings and calls to understand financial goals and deliver tailored banking and wealth solutions.
Ring-fencing customer relationships by onboarding family members and consolidating household accounts, ensuring long-term loyalty.
Driving portfolio engineering by optimizing product mix, cross-selling opportunities, and aligning with clients’ financial objectives.
Ensuring regulatory compliance with KYC/AML guidelines while delivering exceptional service.
• Proper monitoring and scrutinizing of transactions in newly and existing accounts and ascertain that the transaction matches with the profile of the client. Ensure that there is no money laundering activity taking place.
To make sure that proper due diligence is taken care of and there are no deviation and lapses.
• Conduct enhance due diligence where ever required.
• Prompt and proper updating of AML alerts and timely response to Financial Crime Management departments in case of any suspicious transactions.
• Take care of proper name screening process and ensure that the name in the negative list is not included in account processing.
• Identifying and analyzing the risk profiles of the customer and obtaining & updating fresh KYC documents wherever required.
• Training of team members with new guidelines and processes with respect to AML and KYC.