Bineesh Varghese

• Provided leadership and direction for employees, supervising activities to drive productivity and efficiency.
• Fostered positive employee relationships through communication, training and coaching.
• Led performance reviews and tailored employee feedback to facilitate professional development.
• Professionally handled difficult customer complaints and objections to maintain first-class customer service standards.
• Resolved employee relations issues and navigated disciplinary proceedings.
• Minimised response time to resolve orders on hold by liaising with other departments.
• Led shifts and motivated team to achieve the goals.

Client 1 : Deutsche Bank ( FATCA Remediation& Client Data Reference System)

• To check various kinds of tax forms such as W9, W8 IMY, W8 BEN E, W 8 EXP and Self certificate.
• To analyze and to generate the reporting codes with the client.
• Identify whether the customer has given a proper tax form based on the available details with us.
• To cross verify and to process this tax forms and help the customers not to withhold any funds
• Prepare all the audit related documents.
• To take appropriate decision whether to On board a customer or to remove a customer.
• To check various primary and secondary sources to check the details of the customers.
• Check various primary and secondary sources before on-boarding a client.

Client 2 : Citibank, United Arab Emirates.(Retail banking)

• To check various General Ledgers of the account and to find out the difference in the GL and to pass rectification entries for the same.
• To conduct and to match off between debit and credit entries which are posted in the General legers such as Settlement sundry, Warehouse sundry, Loan sundry, ATM sundry and Charge back sundry etc.
• Investigate & Process all types of credit card operation related issues like Payments, Auto-debit Encoding, Refund, Waive of charges, Charges to card, Card closure, Replacement, Loan credits, Customer Maintenance, Insurance Enrollment & Cancellation.
• Applying payments to cards and to the accounts of the customers.
• To find out the difference between the ATM transactions of the account against the actual usage of the transactions.
• To check and cross verify the Fraud and Risk management involved in the usage of the credit cards.
• Provides suggestions for the process improvement and business needs.
• To help the customers to redeem their rewards points against AMF or to purchase goods from the outlets.
• Allocation of work to team members.
• Responsible to report the ageing cases to the client on daily basis before EOD.
• Responsible for Preparing monthly client MIS report on volumes, number of errors, process improvement and suggestions.
• Prepare Risk Control and Self Assessment (RCSA).
• Handle RMU destruction on a quarterly basis.
• Prepare data required for IQMS audit.

Client 3 : Citibank, United Arab Emirates.(Underwriting)

• To check the credit worthiness of customers.
• By making use of the the Policy guidelines on the applications to take appropriate decision within specified TAT.
• To check for the Repayment capability based on the Debt Burden calculation.
• To provide suggestions for the approval based upon the Customer’s Profile to ensure Repayment capability which leads to development of business.
• Prescreening the applications before processing.
• Verifying the Bank statements and KYC documents given by the Customer.
• To approve or Reject the application based on the policy requirements
• Calculating the Income of the customer and assigning the credit limit.