Deepak Nair

. Client servicing of over 100+ MNCs, managing an average international trade value of USD 300 million annually.

· Compliance towards RBI, FEMA & UCP guidelines, handling multiple Trade products such as LCs and BGs, Buyers Credit, MTT, Advance Payments, Open Account transactions, Project Export payments etc.

· Liase with several internal Teams & clients to ensure timely resolution of client requirements across various lines of Business.

· Managing customers and their queries pertaining to their transactions, being their primary Business contact and managing their day to day concerns.

· Coordinating with internal stakeholders, Treasury, Sales, Product etc to maintain smooth processing & within TAT.

· Taking ownership of Customer’s issues and follow problems through to resolution.

· Having in person & off-line meetings has helped in building a good professional bond resulting in comfort & increased Business.

· Onboarding client to improved platforms, Digitalizing thus explaining them on the benefits, conducting appropriate trainings, guiding them on the available modules and helping them save time on their daily BAUs.

· Regular follow ups with clients on Regulatory Outstanding, simultaneously working on BOE/ORM closures, thus giving timely progress updates to RBI.

· Switched into an IT portfolio having experience in suggesting system enhancements, conducting and performing regular testing’s for multiple applications used for daily operations.

· My primary role was to read and understand the technology used by the Bank, thus reviewing their process note, knowing the product in and out, checking the possibilities from every possible aspect and considering the system vulnerability towards changes to be performed.

· Subject is reviewed by an Analyst who learns the product and processing part from the User thus asking me for the possible approach so as to simplify the product, experience and cost. This has to be commented post referring all the related docs (including process note, BRDs, Analyst report etc.), RBI guidelines, current capacity and many aspects throughout the implementation.

· Post reviewing and subject to changes, same is to be first referred to the IT Team/Developers, Sales Team, Licensing Team, Finance Team, Testing Team so as to involve in further stages for us to have this enhancement completed as communicated to the Client.

· Once the enhancement is Live and into productions Users are to be trained making them understand the updates & benefits, immediate IT/BTG Team is trained with the setup and their working along with remedy controls incase of breakdowns and Technical failures, if any

· Part of LC Team, managing day to day transactions regarding Issuance, Amendments, Payments and scrutinizing documents under LC.

· Have been an integral part of Operations Team doing activities from checking to Issuance and have been a point of contact for Customers as well as Team members.

· Thorough knowledge of SWIFT message types (MT 7 series, 999 etc.) and tracking the messages generated at the end of the day and cross tallying the day’s volume.

· Assisting in providing needful Audit requirements and thus resolving the queries and evolve with minimal findings across quarters.

· Managing day to day scheduled payments due under LC as per payments terms, raising for rates and classifying the A/c (EEFC or Current) and making payments as per Covering schedule further cross checking the MT103 & 202 messages.

. Effective presentation, team management and project documentation skills enabled me to maintain time to time updates on the process notes which included details on sanity testing’s, before and after effects of the testing conducted, latest updates on process flow by modifying and adding details.

· Preparing part file of monthly hedging MIS required by RBI via various reports collected across the Team and cross tallying with the back-end system thus giving RBI appropriate details of the Customers and their transactions along with Liability each month. This helps RBI analyze the Business data of Customers and their Credit worthiness.

· Suggested multiple projects to ease BAU and technicality on existing system thus saving time and accuracy on the products/services offered.

. Worked as a Relationship Officer, my primary objective was to connect with people and understand the requirements and needs.

. Further suggesting them the benefits and procedures of various financial products offered by Dunia which were Loans, Labor Guarantee and Credit cards.

. Helping the customers understand the benefits and making them more exposed to the banks as well as financial sectors further fulfilling their needs.

. Following Dunia policies by assisting the Customers from scratch to end which includes collecting necessary documents, helping customer find an easy repayment or monthly due payment options, informing change in policies, additional coverage applicable and Customer benefit guidelines.

. Operational Job of Onboarding Suppliers, Buyers and Investors on Citi Platform.

. Played a diversified role and managed end to end process of Client Onboarding along with the Pricing maintenance.

. Serving customer needs by solving their queries through chats, calls and emails.

. Processing daily and timely transactions on behalf of clients to their respective Payables via different payment methods which includes SWIFT, ACH, CHIPS, Fedwire and BANKGL options.

. SWIFT was the prominently used payment method for international transfers and for clients located outside NA region specifically for South America and EMEA regions.

. Suggesting system enhancements to Product Team along with long term benefits to be achieved. Testing the applications after Implementation, performing PVT or Sanity Test as and when there is a new system release or up gradation.

. Maintained and provided business data and related information with documents utilized during the Business Audit which has been passed with minimal findings.

. Efficient communication skills along with Product knowledge resulted into major upgrade in the system with which I completed 3 major projects (1 among them was my Six Sigma project) which were concentrated on time and cost efficient.

. 2 projects were approved by Citi management and funds were allocated so as to have the same tested and implemented in the system, both the projects combined saved approximately 76 business hours a month.