Divya D
Banking And Finance Operations And Compliance (KYC,AML)
Vellore
Summary
Results-driven banking professional with nearly 8 years of experience in branch operations and underwriting. Skilled in P&L management, KYC/AML compliance, and customer service. Experienced in financial products and accounts management, with a focus on leveraging technology for operational efficiency.
Overview
3
3
Certifications
9
9
years of professional experience
Work History
Assistant Manager-Bank Officer
AU Small Finance Bank
09.2022 - 11.2025
- Managed HNI customer portfolios, ensuring high service quality in invoice processing, quality assurance, and balance sheet management.
- Execute end to end KYC/AML compliance and account opening activities.
- Cross-sold financial products (CASA, FD, RD, TPP, LI, HI, GI), enhancing customer value and product uptake.
Assistant Manager (Teller & Operations)
Ujjivan Small Finance Bank
09.2021 - 04.2022
- Handled cash, executed NEFT/RTGS transactions, processed cheque clearing, and managed general ledger, balance sheet, and invoice processes.
- Conducted KYC verification and AML checks in Finacle/BR.Net SYSTEM.
- Executed daily branch reconciliation, ensured audit compliance, and managed purchase transactions and payment processes.
- End to end disbursement process on daily basis within the TAT.
Transaction Monitoring
HDFC BANK
03.2017 - 03.2021
- Managed customer requests for debit cards, address changes, and FD/RD accounts, enhancing customer satisfaction.
- Managed customer requests (debit card, address change, FD/RD accounts).
- Handled account opening and closure processes, ensuring KYC compliance and accuracy.
- Conducted CAMS checks on submitted documents in disbursement process, maintaining accuracy in Record to Report, Order to Cash, and Process to Pay.
- Credit appraisal process of all underwriting Forwarded stages, DDE, approval.
Education
MBA - Finance & Human Resource
Auxilium College
Vellore01-2016
BBA - Commerce and Arts
Auxilium College
Vellore01-2014
Skills
Loan disbursement operations in banking
KYC, AML compliance, CDD, EDD practices
Understanding of loan processes and forwarding procedures
Customer service with invoice processing capabilities
Management of balance sheets and general ledgers
Financial statement development expertise
P&L analysis skills
Account opening procedures and maintenance tasks
audit support with reporting capabilities
Proficient in MS Excel, FinOne, Oracle (Flexcube), Finacle, BRNet
Excel advanced features: pivot tables & VLOOKUP
Power BI with SQL & DAX proficiency
Financial analyst/data analyst skills
Certification
AML Essentials – Anti Money Laundering, KYC & Compliance (2023)
Timeline
Assistant Manager-Bank Officer
AU Small Finance Bank
09.2022 - 11.2025
Assistant Manager (Teller & Operations)
Ujjivan Small Finance Bank
09.2021 - 04.2022
Transaction Monitoring
HDFC BANK
03.2017 - 03.2021
BBA - Commerce and Arts
Auxilium College
MBA - Finance & Human Resource
Auxilium College