HARDIK THAKKAR

KYC/ AML Due Diligence:-

• Verifies all aspects of Client Identification Program (CIP)
  and necessary account opening documents are provided
  and in accordance with know Your Customer (KYC),
  Identifies accurate risk rating for individual/non-individual
  accounts to highlight high risk jurisdictions, cash
  intensive/high risk businesses and Politically Exposed
  Persons(PEPs) or Relatives or Close Associates (RCAs)
  Completes extensive due diligence investigations using
  public and private databases in accordance with Anti-
  Money Laundering (AML), BSA and other regulatory
  standards to assist business units and prevent operational
  and reputational risks.
• Conducts enhanced due diligence research in attempts to
  find derogatory/background information used to aid client
  advisors' decisions in initiating, maintaining or closing
  business relationships
  Ensures final reports are comprehensive, compliant and
  suitable for use in the client on-boarding decision-making
  processes.
  Helps test functionality of new due diligence
  software/databases by identifying areas of improvement.
  Designated as Cohesion Focus Group Representative.

• (Clearing & Remittances) -Axis Bank,
  Major Tasks/Duties
• Implementing competent strategies with a view to penetrate new accounts and expand existing ot targets.
• Identifying streams for revenue growth and developing marketing plans to build consumer prefers
• Audit, Compliance & all operation guidelines adherence.
• Responsible for KYC Compliance in AOF's send for activation.
• Supervising Non-Cash transactions like DD/PO, fund transfer, RTGS/NEFT etc.
• Managing Clearing Activities of the Branch.
• Inward and Outward Clearing.
• ATM Replenishment.
• Responsible for Daily Voucher Verification and Audit checking.
• Keeping a track record of Branch Audit Requirements.
• Updating of Registers and Deliverables.
• Locker Allotment and Rent Collection.

Relationship Management:-

• Taking care of entire credit functions including credit appraisal and analysis, sanctions, facilitating disbursements, follow-up and monitoring of existing portfolio-Gold loan
• Periodic analysis of non-starter, bucket movements, conversion ratios, cross-sell penetration and rejects.
• Provided expert financial advice on mortgage and both educational and personal loans. Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan.
• Adhere strictly to compliance and operational risk controls in accordance with Company and rentilator standards.
• Gold Loan -Acquiring Gold Loan customers and valuation and disbursements.
• Home Loan (Mortgage Loan) -Acquiring Home Loan customers and valuation and disbursements.
• Personal Loan -Acquiring Personal Loan customers and valuation and disbursements.
• Knowledge of of Cibil and creditworthiness.
• Existing client financial targets and generated new client base Frequent Client
• Bank event assistance to develop positive rapport Cross sell other bank
• Products & Services Work effectively both with management and support staff to establish long term client relationships Maintained good working relationship With customers and ensured satisfaction with work.
• Updated knowledge on all new product line and services offered by bank to facilitate bank goals.
• Handling portfolio of 300+ Clients in current bank.
• Acquiring New To Bank Client from the market, Selling All Banking products like Current Account Saving
• Accounts all loans and life insurance and health insurance products.
• All front-end Customer Services and Banking operations related work (NEFT/RTGS/TM/KYC/Customer Amendments/Passbook Printing etc.).
• Handling the good HNI Customer Investments Goals (FD/LI/GI/HI/investments

Relationship Management:-

• Introduced higher standards for customer service and increased efficiency by streamlining operations.
• monitoring of existing portfolio-Gold loan
• Periodic analysis of non-starter, bucket movements, conversion ratios, cross-sell penetration and rejects.
• Adhere strictly to compliance and operational risk controls in accordance with Company and rentilator standards.
• Gold Loan -Acquiring Gold Loan customers and valuation and disbursements.
• Knowledge of of Cibil and creditworthiness.
• Existing client financial targets and generated new client base Frequent Client
• Bank event assistance to develop positive rapport Cross sell other bank
• Products & Services Work effectively both with management and support staff to establish long term client relationships Maintained good working relationship With customers and ensured satisfaction with work.
• Updated knowledge on all new product line and services offered by bank to facilitate bank goals.
• Handling portfolio of 300+ Clients in current bank.
• Acquiring New To Bank Client from the market, Selling All Banking products like Current Account Saving
• Accounts all loans and life insurance and health insurance products.
• All front-end Customer Services and Banking operations related work (NEFT/RTGS/TM/KYC/Customer Amendments/Passbook Printing etc.).
• Handling the good HNI Customer Investments Goals (FD/LI/GI/HI/investments

• Introduced higher standards for customer service and increased efficiency by streamlining operations.
• Pure Sales and achieving the targets on pure Field Work.
• Attained existing client financial targets and generated a new client base.
• Develop strategies for maintaining and further penetrating existing accounts.
• Maintaining the existing client relationships and identifying new business opportunities.
• Supports the Bank's strong relationship banking culture through ongoing customer contact, quality customer service, and superior product knowledge Support the Bank's strong relationship banking culture through ongoing customer contact, quality customer service, and superior product knowledge.
• Frequent Client / Bank event assistance to develop positive rapport Cross sell other bank Products & Services Local client site traveling External business development and client networking
• Open new accounts • Handling the good HNI Customer Investments Goals (FD/LI/GI/HI/investments)

● Pure Sales and achieving the targets on pure Field Work.

● Attained existing client financial targets and generated a new client base.

● Develop strategies for maintaining and further penetrating existing accounts.

● Maintaining the existing client relationships and identifying new business opportunities.

● Supports the Bank's strong relationship banking culture through ongoing customer contact, quality customer service, and superior product knowledge Support the Bank's strong relationship banking culture through ongoing customer contact, quality customer service, and superior product knowledge.

● Frequent Client / Bank event assistance to develop positive rapport Cross sell other bank Products & Services Local client site traveling External business development and client networking

● Open new accounts • Handling the good HNI Customer Investments Goals (FD/LI/GI/HI/investments)