Bharat Behl
Scarborough
Summary
Wealth of experience in FINTECH and Foreign Exchange industry.
Technically competent with in depth knowledgeable and experience in sales of foreign exchange products, MSB Operations, Cross-Border Payments, Regulatory and Legal Compliance, Transaction monitoring, Screening, AML policies, and, Client Onboarding.
Advanced computer skills, particularly MS Office Suite - Excel (pivot tables, V-lookup), Access, Word, PowerPoint and Power BI.
Pursuing CAMS - Certified Anti-Money laundering Specialist course
Overview
10
10
years of professional experience
Work History
Payments and Operations Lead
Knightsbridge Foreign Exchange
Toronto
05.2021 - Current
- Team Oversight: Supervise and mentor the payments processing team to ensure they meet performance and compliance standards.
- Training: Develop and deliver training programs to ensure team members are up-to-date with payment processing technologies, regulations, and best practices.
- Resource Allocation: Manage team workloads, assign tasks, and ensure the efficient use of resources.
- Process Optimization: Design and implement processes to improve efficiency, accuracy, and speed in payment processing.
- Transaction Monitoring: Monitor transaction flows to identify and resolve any issues or anomalies that may arise.
- Regulatory Compliance: Ensure all payment processes comply with relevant laws, FINTRAC regulations, and industry standards.
- Fraud Prevention: Implement and maintain fraud detection and prevention measures to protect the organization and its customers.
- Audit Coordination: Coordinate with internal and external auditors to provide necessary documentation and address any audit findings.
- Vendor Relations: Manage relationships with payment processors, banks, and other third-party vendors, including negotiating terms and resolving issues.
- Stakeholder Communication: Act as a point of contact for stakeholders regarding payment-related inquiries and issues.
- Strategy Development: Develop and implement strategies to enhance payment processing capabilities and support organizational goals.
- Reporting and Analysis: Generate and analyze reports on payment processing metrics, including transaction volumes, processing times, and error rates. Provide insights and recommendations based on the analysis.
- Issue Resolution: Lead the response to any payment-related issues or incidents, including troubleshooting, communication, and resolution.
- Feedback Implementation: Collect and act on feedback from customers and stakeholders to continuously improve payment processing systems and procedures.
- Service Improvement: Ensure that payment processes are designed to enhance the customer experience, addressing any customer complaints or issues related to payments.
Payments and Compliance Analyst
Knightsbridge Foreign Exchange
Toronto
07.2019 - 04.2021
- Verification: Validate that the customer's payment method. Communicate with the issuing bank or financial institution to get approval or denial for the transaction.
- Monitor Transactions: Track and review payment transactions to ensure accuracy and compliance with internal policies and external regulations.
- Reconcile Accounts: Compare internal records with external statements to identify and resolve discrepancies.
- Generate Reports: Create regular and ad-hoc reports on payment activities, processing errors, and performance metrics for stakeholders.
- Ensure Compliance: Ensure that all payment activities comply with relevant regulations, including anti-money laundering (AML) and data protection laws.
- Assess Risks: Identify and assess risks associated with payment processes and suggest mitigation strategies.
- Manage Relationships: Liaise with banks, payment processors, and other financial institutions to resolve payment issues and manage service agreements.
- Handle Inquiries: Address payment-related inquiries and issues from customers or internal stakeholders.
- Resolve Disputes: Investigate and resolve payment disputes or chargebacks as needed.
- Maintain Records: Ensure that all payment-related documents and records are accurately maintained and stored.
- Document Procedures: Develop and update documentation for payment processes and procedures for training purposes.
- Train Staff: Provide training and support to other staff members on payment processes and systems.
Trader
Knightsbridge Foreign Exchange
Toronto
04.2019 - 06.2019
- Customer Service: Assisting customers with their currency exchange needs, including answering questions, providing information about exchange rates, and helping with transactions.
- Transaction Processing: Handling the exchange of currencies by calculating and processing transactions accurately. This includes ensuring that all transactions are recorded correctly.
- Rate Quotation: Providing customers with up-to-date exchange rates and explaining how rates may fluctuate. Ensuring that customers are aware of any fees or commissions associated with the exchange.
- Compliance and Documentation: Ensuring that all transactions comply with legal and regulatory requirements, including anti-money laundering (AML) and know-your-customer (KYC) regulations. Maintaining accurate records and documentation of transactions.
- Error Resolution: Addressing any issues or discrepancies that arise during transactions, including resolving errors and handling customer complaints professionally.
Warehouse Operations Manager
Sita Tractors
Bangalore
01.2016 - 01.2017
- Inventory Management: Maintaining accurate records of stock levels, monitoring inventory, and ensuring that stock is stored properly. This includes managing stock replenishment and conducting regular inventory audits.
- Staff Supervision: Leading and managing warehouse staff, including hiring, training, scheduling, and evaluating performance. Ensuring that the team follows safety protocols and standard operating procedures.
- Operational Efficiency: Streamlining warehouse operations to improve efficiency and productivity. This involves optimizing workflows, implementing best practices, and managing logistics to reduce bottlenecks.
- Order Fulfillment: Overseeing the process of picking, packing, and shipping orders to customers or other locations. Ensuring that orders are fulfilled accurately and in a timely manner.
- Warehouse Layout and Organization: Designing and maintaining an effective warehouse layout to maximize space utilization and facilitate efficient movement of goods. Organizing inventory to facilitate easy access and retrieval.
- Vendor and Supplier Coordination: Communicating with suppliers and vendors regarding shipments, deliveries, and inventory levels. Managing relationships and resolving any issues related to procurement and supply chain logistics.
- Customer Service: Addressing customer inquiries and resolving issues related to order fulfillment, product returns, and shipping delays.
Tax Analyst
Ernst & Young LLP
Bangalore
01.2015 - 01.2016
- Reviewing and Analyzing Employee compensation data
- Indulged in the collection and consolidation of Client's compensation data for Tax and Social Security Compliance
- Preparation of Pay Instructions, Reviewing of Payroll Outputs provided by the Client, and preparation of Variance Reports comparing the above.
Education
Financial Services Compliance Administration - Graduate Certificate -
Seneca College
12.2019
Global Logistics and Supply Chain Management - Graduate Certificate -
Seneca College
12.2018
Bachelors in Commerce -
Jain University
12.2015
Certified Anti-Money Laundering Specialist - Finance
Association of Certified Anti-Money Laundering Ser
Skills
- Foreign Exchange Product Knowledge
- Problem-Solving Skills
- Compliance Management
- Fraud Assessment
- Regulation Enforcement
- Analytical Mindset
- Data Collection
- Verbal and Written Communication
- Microsoft Office
- Attention to detail
Timeline
Payments and Operations Lead
Knightsbridge Foreign Exchange
05.2021 - Current
Payments and Compliance Analyst
Knightsbridge Foreign Exchange
07.2019 - 04.2021
Trader
Knightsbridge Foreign Exchange
04.2019 - 06.2019
Warehouse Operations Manager
Sita Tractors
01.2016 - 01.2017
Tax Analyst
Ernst & Young LLP
01.2015 - 01.2016
Financial Services Compliance Administration - Graduate Certificate -
Seneca College
Global Logistics and Supply Chain Management - Graduate Certificate -
Seneca College
Bachelors in Commerce -
Jain University
Certified Anti-Money Laundering Specialist - Finance
Association of Certified Anti-Money Laundering Ser
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