Renu Sharma
Raipur
Summary
Seasoned Deputy Branch Manager with a proven track record at Induslnd Bank, adept in Audit and Compliance Management and fostering team unity. Excelled in high-risk account reviews and KYC operations, leveraging MS Office for efficiency. Demonstrates quick learning ability and strategic planning skills, ensuring compliance with global KYC policies.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Deputy Branch Manager
Induslnd Bank
Raipur
11.2023 - Current
- Monitor and review large volumes of financial transactions to detect potential money laundering activities, including structuring, layering, and integration activities
- Utilize transaction monitoring systems (Actimize, SAS) to identify suspicious patterns and generate alerts for further investigation
- Investigate flagged transactions, review customer profiles, and gather relevant data to determine whether suspicious activity warrants escalation
- Collaborate with compliance teams to ensure timely resolution of cases and adherence to regulatory guidelines
- Prepare Suspicious Activity Reports (SARs) in compliance with regulatory standards and submit to the appropriate authorities
- Conduct enhanced due diligence (EDD) for high-risk customers and transactions
- Maintain up-to-date knowledge of AML laws, regulations, and industry best practices
- Organized team activities to build camaraderie and foster pleasant workplace culture.
- Mediated conflicts between employees and facilitated effective resolutions to disputes.
- Provided leadership in creating a positive work environment while ensuring compliance with all company policies.
- Verified cash by balancing cash drawers and maintaining cash count records.
- Maintained accurate records of employee attendance, absences, vacations, sick days and other time off requests.
- Collaborated with other departments to ensure smooth running of day-to-day operations at the retail branch.
AML/KYC Analyst
ICICI Bank
New Delhi
09.2019 - 10.2023
- Monitoring transaction and payments of priority clients of all the segment of the bank including resident savings & current account and non-resident accounts
- Responsible for maintaining high standard of accurate and updated client information during all stages of client relationship
- Responsible for identifying and researching the patterns, trends and anomalies in complex transactions and customer data to detect, prevent, mitigate and report suspicious activity related to money laundering, terrorist financing and structuring of funds
- Involved in tracing and tracking of payments
- Identifying and researching the patterns, trends and anomalies in complex transactions and customer data to detect, prevent, mitigate and report suspicious activity related to money laundering, terrorist financing and structuring of funds
- Investigating the source and destination of funds to ascertain legitimacy of funds and its use, from account level investigation to customer level investigation and linked counterparts
- Analysis of client source of wealth & net worth with regards to suitability to the Firm and also performing analysis on payment patterns & transaction history to reconcile discrepancies
- Implementing and maintaining appropriate KYC and enhanced due diligence compliance standards
- Conducting periodic reviews of the accounts of Special Category Customers, such as PEPs and other high-profile individuals
- Hands on experience on complete KYC lifecycle of client onboarding in banks including stages of initial data collection, monitoring of transaction and risk management
Deputy Manager Retail
ICICI Bank
New Delhi
11.2015 - 09.2019
- Handling all banking operational work and front desk services along with CRM
- Handled the portfolio of 350 NRI(Global) customers and was responsible for all kind of services and cross sell to them
- Processing of A2 Remittance uploads through NRS and OMNIFLOW and following up with processing unit and tracking of rejects
- Knowledge of all banking processes, transaction processing(payments,receivables, FX outward remittance), Loans (HL, PL,Mortgage, GoldLoans) processing and disbursement
- Monitoring of sales practices and risks by sales team
- Review of sales processes starting from, KYC documents sourcing to profiling of the sourced customer
- Performing banking operational work like transaction processing
- Managing Loan desk and Forex Remittances
- Keeping track of inventory and equipment
- Delivering quality customer service
- Collecting and examining financial statements and documents to assist in identifying unusual transaction patterns
Sales Development Manager
HDFC Life
Korba
05.2014 - 01.2015
- Responsible for business development.
- Negotiation and signing of proposals by working closely with internal stakeholders and relationship with strategic partner executives.
- Selection the type of offer to be proposed based on business
Lecturer
Institute of Technology
Korba
08.2011 - 12.2012
- Retain students on the product and ensure there are very less cancellations.
- Develop curriculum, assessment techniques and instructional delivery material curriculum, lesson plans, course outlines, etc.
- Develop criteria and instruments for measuring learning and assessing learners.
- Conduct analysis on aspects of learners.
- Plan individual learning experience, curriculum mapping, scheme of work and lesson plans.
- Prepare sessions which is built on previous learning and which encourages students to question.
- Identify appropriate teaching and learning techniques using appropriate assessment methods to measure learning and achievements
Education
Post Graduate Diploma - Banking and Finance
ICICI Manipal Academy of Higher Education
Bangalore, India06-2015
B.E.(Electronics & Telecommunication) -
CSVTU
Bhilai06-2011
Skills
- MS Office
- Audit and Compliance Management
- High-Risk Account Reviews
- KYC Operations
- Quick Learner
- Planning and Research Skills
- Global KYC policies and procedures
Certification
- AML, KYC and Compliance, 2023
- IRDA, 2015
- AMFI, 2015
Awards
- Employee of the Month, 01/03/23, Awarded as best employee of the month Feb 2023 for closing highest number of triggered cases.
- FD CRUISER, 06/01/20, Qualified for FD CRUISER for doing highest Retail FD in PAN India.
- NRI Andaman, 06/06/21, Qualified for NRI ANDAMAN contest in the month of June 2021 for achieving 100 Net promoter score in NRI Service segment.
Timeline
Deputy Branch Manager
Induslnd Bank
11.2023 - Current
AML/KYC Analyst
ICICI Bank
09.2019 - 10.2023
Deputy Manager Retail
ICICI Bank
11.2015 - 09.2019
Sales Development Manager
HDFC Life
05.2014 - 01.2015
Lecturer
Institute of Technology
08.2011 - 12.2012
Post Graduate Diploma - Banking and Finance
ICICI Manipal Academy of Higher Education
B.E.(Electronics & Telecommunication) -
CSVTU
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