Mathew Thomas
Banker
Ernakulam
Summary
Detail-oriented Compliance Officer dedicated to improving policies and procedures in all business areas. Hardworking and driven with quality-focused and proactive approach. Bringing 9 years of experience in BankingIndustry. Fantastic at problem-solving . Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
9
9
years of professional experience
3
3
years of post-secondary education
Work History
Credit Officer,Branch Compliance Officer
South Indian Bank
Ernakulam
05.2023 - Current
- Performing semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Managing practical action plans to respond to audit discoveries and compliance violations.
- Met or exceeded branch goals for sales, referrals and operational standards through networking and negotiation..
- Assisted with internal and external audits to confirm compliance with applicable laws and regulations.
- Maintained up-to-date knowledge of current and emerging compliance regulations.
- Examined customer loan applications for loan approvals and denials.
- Maintained confidentiality of bank records and client information to prevent mishandling of data and potential breaches.
- Completed filings and upheld strict compliance with regulatory agencies and supervisors.
- Complied with regulatory guidelines and requirements.
- Responded to employee inquiries regarding compliance regulations and procedures.
Compliance Officer
South Indian Bank
Ernakulam
04.2018 - 05.2023
- Responsible for developing, implementing and administering all aspects of bank's compliance management program, including providing strategic direction designed to support organizational growth, leadership and day to day management
- Preparation and submission of regulatory reports including STR and FATF Reports
- Responsible for creating SOPs for major critical areas including FATF reports and automating reports in coordination with technology department so as to ensure accuracy and timeless for data
- Handled admin roles for Banks Internal circular and Compliance Monitoring Softwares
- Served position of Nodal officer for banks KYC related data
- Responsible for implementation of KYC AML guidelines of bank and for updating status to Board of directors
- Generating and maintaining MIS Reports related to KYC and AML in coordination with technology department
- Handled advisory role to various departments including credit and operations
- Coordination with stakeholder Departments on data requirements and assisting in the implementation of compliance plans in various areas
- AML alerts reviewer
- Conducted compliance testing programme for Departments and Branches
- Implemented improvement initiatives and developed compliance testing program to monitor and identify gaps in new and existing practices.
- Managed practical action plans to respond to audit discoveries and compliance violations.
- Identified, investigated and documented compliance violations and recommended corrective measures.
- Developed and maintained system for tracking and reporting compliance violations.
- Responded to employee inquiries regarding compliance regulations and procedures.
- Collaborated with sales and marketing departments and other business units to address indications of improper sales practices and market conduct violations.
- Prepared and submitted regulatory filings in timely manner.
- Reviewed, revised and updated compliance policies and procedures to confirm continual compliance with applicable laws.
- Monitored and assessed compliance risks associated with operational processes and procedures.
- Assisted with internal and external audits to confirm compliance with applicable laws and regulations.
- Maintained up-to-date knowledge of current and emerging compliance regulations.
- Developed and maintained compliance database, tracking all compliance activities and documents.
- Identified gaps in existing compliance processes and recommended updates.
- Assisted with development of compliance objectives and strategies.
- Developed risk assessment models to identify potential compliance risks.
- Advised clients on compliance fraud and investigations, as well as potential remedies and required actions.
- Developed and implemented corrective action plans for non-compliance issues.
Customer Service Executive ,Cashier
South Indian Bank
Palakkad,Thiruvalla
11.2014 - 04.2018
- Developed working relationships with internal and external customers while assisting with account management duties.
- Employed comprehensive benchmarks to establish and monitor customer service standards.
- Escalated critical customer issues to supervisor immediately to avoid lost revenue and canceled policies.
- Described product and service details to customers to provide information on benefits and advantages.
- Operated cash register for cash, check, and credit card transactions with excellent accuracy levels.
- Counted money in cash drawers at beginning and end of shifts to maintain accuracy.
- Assisted customers with returns, refunds and resolving transaction issues.
- Tallied cash drawer at beginning and end of each work shift.
Education
Bachelor Of Science - Physics
St Dominics College
Kanjirappally 06.2011 - 05.2014
Skills
Compliance assessments
undefinedAccomplishments
- Achieved timeline for FATF RBI return by completing Task with accuracy and efficiency.
- Collaborated with team of 5 in completing UCIC task.
- Documented FATF RBI Data template logic .
- Used Microsoft Excel to develop inventory tracking spreadsheets.
- Implemented bank's new internal circular , Compliance monitoring software within timeline
- Recommended by CCO for core value ambassador award of bank
Timeline
Credit Officer,Branch Compliance Officer
South Indian Bank
05.2023 - Current
Compliance Officer
South Indian Bank
04.2018 - 05.2023
Customer Service Executive ,Cashier
South Indian Bank
11.2014 - 04.2018
Bachelor Of Science - Physics
St Dominics College
06.2011 - 05.2014
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