Mohamed Arshad
Team Lead
Chennai
Summary
Results-driven Team Lead – Retail Banking Operations with 5+ years of progressive experience across Standard Chartered and ICICI Bank. Proven expertise in Client Onboarding, Credit Card & Loan Operations, KYC/AML/CDD/EDD Compliance, Fraud Investigation, and Reconciliation. Skilled at leading teams, optimizing financial processes, ensuring regulatory compliance, and delivering operational excellence in Retail Banking. Recognized with multiple awards for leadership, risk management, and performance.
Overview
6
6
years of professional experience
1
1
Certification
2
2
Languages
Work History
Team Lead – Retail Banking Operations
Standard Chartered GBS
05.2023 - Current
- Supervise end-to-end Credit Card financial transactions including EMI conversions (Balance Transfer, Flexi Pay, Easy Payment Plans), ensuring mandatory KYC/AML compliance before execution.
- Manage card/loan cancellations, reinstatements, and fund postings (fees, charges, refunds, repayments, and disbursements) with accuracy and adherence to SLA/TAT.
- Conduct fraud investigation checks by validating customer profiles, monitoring suspicious fund transfers, and resolving disputes to mitigate risks and safeguard assets.
- Handle merchant settlements, charge reversals, reward point/cashback reinstatements, and waiver approvals for fee/charge corrections.
- Oversee standing instruction rejections and cheque-related requests, ensuring timely resolution and customer satisfaction.
- Review and update Department Operating Instructions (DOIs) and process notes, proactively identifying and closing process gaps.
- Act as primary contact for external audits, providing required sample data, ensuring 100% compliance with regulatory standards.
- Maintain and circulate daily MIS dashboards, tracking productivity, process efficiency, and team performance.
- Lead and mentor a 10-member team, monitoring performance, conducting training sessions, and driving operational excellence.
Senior Officer – Retail Banking Operations
Standard Chartered GBS
05.2021 - 04.2023
- Handled financial postings, reconciliation, and fund disbursements with zero major audit gaps.
- Maintained daily MIS dashboards and circulated productivity reports to stakeholders.
- Conducted fraud checks on credit card/loan accounts, preventing potential financial losses.
- Played a key role in reverse migration of processes from Malaysia to India, training teams and ensuring smooth transitions.
Senior Officer
ICICI Bank
12.2019 - 04.2021
- Supported Retail Banking Operations with focus on CASA accounts and card processing.
- Ensured regulatory compliance and operational accuracy in high-volume banking processes.
- Delivered 100% accuracy in reconciliations and audit compliance checks.
Education
Bachelor of Engineering - Mechanical Engineering
Panimalar Engineering College
Chennai01.2016
Skills
Retail Banking Operations (CASA, Loans, Credit/Debit Cards)
Certification
POST GRADUATE DIPLOMA IN BANKING OPERATION (PGDBO) – IFBI Academy
Accomplishments
- Gem Award (Team) – 2024
- Spot Awards – 2022 (Apr & Sept)
- Spot Award – 2023 for audit confirmation process in Malaysia
Timeline
Team Lead – Retail Banking Operations
Standard Chartered GBS
05.2023 - Current
Senior Officer – Retail Banking Operations
Standard Chartered GBS
05.2021 - 04.2023
Senior Officer
ICICI Bank
12.2019 - 04.2021
Bachelor of Engineering - Mechanical Engineering
Panimalar Engineering College
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