Kanchan Chawla
Kolkata
Summary
Accomplished, Banking professional with over 13 years multifaceted experience in the core banking industry in Risk Management, Audit & Compliance, Sales & Customer Services, Cash Management with various banks (HDFC, IndusInd and Kotak Mahindra Bank) Experience in all facets of bank operations and procedures, RBI and other regulatory norms, and compliances Proficient in implementing competency training of Bank Staff on critical issues and identification of process lapses to drive operational improvements In-depth expertise in reviewing & validating controls, formulating & implementing operational policies for risk event escalation, compliance & AML Track record for maintaining high quality standard of processes ensuring it complies with the Bank’s internal controls and financial objectives while capitalizing on potential performance and revenue generation opportunities
Overview
15
15
years of professional experience
Work History
Vigilance Officer (AVP)
Bandhan Bank Ltd
Kolkata
01.2024 - Current
- Handling Staff Investigations
- Monitoring of the Staff accounts
- Handling Preventive Vigilance
- Handling Whistle Blow complaints
Retail Liabilities - Process Manager (AVP)
Kotak Mahindra Bank
Mumbai
06.2023 - 01.2024
- Process drafting in line with the current guidelines and implementation across bank
- Closure of queries highlighted by seniors
- Manual review & it’s in line with current regulation, risk, industry practice, customer service
Regional Process and Risk Manager
Kotak Mahindra Bank
Kolkata
12.2020 - 05.2023
- Managed day-to-day operations, including supervision of 36 Branch Operations Managers & Branch Managers
- Worked in coordination with branches and management ensuring risk management system is in place
- Assisted branches to minimize errors & risks
- Mitigated risk by ensuring regulatory compliance for required licensing
- Undertook independent internal, snap, thematic and compliance audit
- Planning, organizing and executing process check in branches
- Identify operational risk and making recommendations on the systems and procedures
- Effective tracking of income leakage, suggest measures to plug in
- Create, implement rules to reduce bank's exposure to fraud
- Facilitate onsite staff training and develop processes and procedures to increase accuracy
- Strengthen operational efficiencies and traceability, developing organizational filing
Branch Service Manager
Kotak Mahindra Bank
Kolkata
04.2019 - 12.2020
- Branch GL size: 130 crores
- Branch in-charge for operations, customer service, cash management - ensuring all branch operations are carried out as per regulatory standards and policies
- Contribute to business by cross selling bank products and services
- Ensure liability and revenue growth of the branch
- Develop systems for effective handling of customers
- Mentor the bank team for effective development and growth
- Overseeing entire gamut of daily branch operations
- Ensure branch audit & compliances are effectively handled
- Lead a team of 17 people
- Achievements at Kotak Mahindra Bank
- As Regional Process and Risk Manager: Ensured 90% of mapped branches scored 5 star & above (scored >90%) in internal audit
- Regular on-site visits ensured NIL fraud in all mapped branches
- Ensured nil income leakage across branches
- Ensured all branches were compliant with RBI & Labour law norms & other regulatory norms
- Trained to branch staffs to ensure no process lapses in daily work in branches
- Implemented systems and norms - ensured prevention of fraudulent transactions activating dormant accounts
- Suggested & helped in regular cash remits from branches so that cash holding cost at branches reduced up to 70 %, which helping branches to increase income
Branch Operations Manager
Kotak Mahindra Bank
Kolkata
10.2017 - 04.2019
- Responsible for daily operations and customer service standards of a full service branch
- Implementation of Regulatory Guidelines issued from time to time
- Ensured no process lapses at branch
- Training of operations staff/ Monitored staff productivity
- Process reviews based on feedback received from branches, customer escalations, frauds, liability processes
- Ensured operations, risk control and process adherence at branch
- Developed a compliance culture through awareness programs for branch staff risk & compliance through daily workplace meetings and other platforms
- Maximized branch revenue by optimizing daily operations
- Worked with regulatory representatives to complete accurate filings and maintain compliance
Service Delivery Officer
Kotak Mahindra Bank
Kolkata
02.2015 - 10.2017
- Recognized by management for providing improved operations by working with team members and exceptional customer service customers to find workable solutions
- Earned reputation for good attendance and provided excellent service and attention to customers hard work
- Improved customer satisfaction by finding creative solutions
- Qualified in different sales contest across retail products selling
Client Service Executive
IndusInd Bank
02.2012 - 02.2015
- Working as a team member to provide timely solutions to grow as a team
- Processing of account opening forms and ensuring the same is processed first time right
- Timely execution of cash and non cash transactions
CANI Sales Team Member
HDFC Bank
04.2009 - 01.2012
- Looking after the sales of the CANI team
- Understood Banking termologies and keen interest to learn
Education
M.Com - Accountancy & Finance
Annamalai University
01.2011
B.Com - Accountancy & Finance
Asansol Girls College
Asansol01.2009
Higher Secondary -
L.S.Raheja College of Arts & Commerce
Mumbai01.2006
Secondary -
Loyola School
Dhanbad01.2004
Skills
- Vigilance
- Process Improvement
- Risk Management
- Audit & Compliance
- Fraud assessment
- Risk mitigation
- Transaction reviewing
- Problem Resolution
- Businesses operations management
- Training
- Customer service
Personal Information
Date of Birth: 11/02/87
Languages
- English
- Hindi
- Punjabi
- Bengali
- Marathi
- Gujrati
Training
- Completed Training on Interpersonal Effectiveness
- Completed Training on Managerial Behaviour
- Certificate course on virtual team management
Timeline
Vigilance Officer (AVP)
Bandhan Bank Ltd
01.2024 - Current
Retail Liabilities - Process Manager (AVP)
Kotak Mahindra Bank
06.2023 - 01.2024
Regional Process and Risk Manager
Kotak Mahindra Bank
12.2020 - 05.2023
Branch Service Manager
Kotak Mahindra Bank
04.2019 - 12.2020
Branch Operations Manager
Kotak Mahindra Bank
10.2017 - 04.2019
Service Delivery Officer
Kotak Mahindra Bank
02.2015 - 10.2017
Client Service Executive
IndusInd Bank
02.2012 - 02.2015
CANI Sales Team Member
HDFC Bank
04.2009 - 01.2012
M.Com - Accountancy & Finance
Annamalai University
B.Com - Accountancy & Finance
Asansol Girls College
Higher Secondary -
L.S.Raheja College of Arts & Commerce
Secondary -
Loyola School
Similar Profiles
NIRAJ RAJNIRAJ RAJ
Customer Relationship officer at Bandhan Bank LtdCustomer Relationship officer at Bandhan Bank Ltd
PREM KUMAR TPREM KUMAR T
Deputy Manager of Operations at Bandhan Bank LtdDeputy Manager of Operations at Bandhan Bank Ltd
Pooja Dutta ChoudhuryPooja Dutta Choudhury
Concurrent Auditor at BANDHAN BANK LTDConcurrent Auditor at BANDHAN BANK LTD