Nimath Unnisa Begum

Cash Management (Account Services and KYC)

Transaction Management:

• Monitor and record cash transactions
• Process loan-related requests
• Handle account terminations and overdrawn accounts

Compliance and Due Diligence:

• Verify customer backgrounds and documents
• Screen and review customers for KYC compliance
• Authorize requests through document veri cation

Financial Operations:

• Manage deposits, checks, and fund movements
• Analyze account statements and fee statements
• Set up services for accounts online.

Quality Assurance and Audit:

• Handle inventory and quality checks
• Lead internal audits for compliance
• Identify anomalies and ensure procedures are followed

Customer Support and Training:

• Manage escalations and customer communication
• Act as a point of contact for senior management
• Conduct training and risk awareness sessions.

Cash Management Sales:

• Responsible to open and handle all the new accounts. Also do a part of KYC were we collect and check all the compliance documents while opening the account and we screen all the individuals related to the entity and conduct the periodic review for High, Medium and Low risk customers
• As part of Risk we authorize the requestor via documents.
• Handle the customer mailbox and will resolve all the queries related to the account fee structure, pricing, granting online access and general enquiries like providing account balances, bank statements, etc.

Cash Management Specialist

conduct monthly Performance Cash Flow analyses, meticulously tracking revenue and expenses from the P&L. My role includes evaluating

analyses, meticulously tracking revenue and expenses from the P&L. My role includes evaluating cash flow for diverse clients, ensuring all costs and revenue are accurately closed. I excel in account reconciliation, conducting thorough checks and precise clearing of amounts, contributing to financial accuracy and transparency.

**Day To Day Waterfall**

This process deals with Loans which are Cash Managed.

- Managed day-to-day cash-managed loans, analyzing transactions in Hogan.

- Ensured fund allocation according to agreed-upon waterfalls.

- Processed cash application and wire forms for payments, fees, and expenditures.

- Prepared cash trap forms for securing funds in Cash Reserves during specific loan events.

**101 Report Process**

- Categorized new loans as hard or soft cash managed.

- Reviewed loan documents for cash management information.

- Summarized legal clauses for reference in strategy coding.

**Waterfall Setup**

- Set up funds allocation orders for loans in Real Estate Lockbox Management.

- Reviewed loan documents for cash management setup.

- Extracted information for application actions.

**Agent Only**

- Managed externally serviced cash-managed loans.

- Analyzed cash transactions in Hogan.

- Updated fund allocation per external servicer's instructions.

- Processed cash applications, wire forms, and cash trap forms.

**Additional Responsibilities**

- Handled various loan processes including trigger loans, SS reports, DACA terminations, CMA closures, and STOs.

- Conducted audits of team members' work.

Supported Payoff Process

Supported Payoff department with major duties and responsibilitiesas below:

• Provide accurateand timely payoff quotes for mortgage loans. Verify, compile, and typeapplication information for mortgage loans.
• Process external and internal payoffs for old mortgagesand lines of creditand Assist borrowers with mortgage loans and follow up to provide final payoff quotes.
• Ensure timely completion of monthly reportsand additional tasks.
• Expertise in analyzing loan documentsand arranging loan payoffs Proficient in documentation, data analysis, and reporting processes.