Nisha Sharma

Assessing client needs – understanding financial goals, risk appetite, and individual circumstances.

Client relationship management – building long-term trust and ensuring sustained engagement ,Conduct periodic portfolio reviews to realign with client goals.

Estate succession advice – structuring trusts, wills, and family office planning.

KYC and AML Compliance.

• Collect, verify, and update client documents as per SEBI, RBI, and company policies.
• Ensure accuracy of PAN, Aadhaar, address proof, income proof, etc.
• Perform periodic KYC refresh to maintain regulatory compliance.
• Monitor client transactions for unusual or suspicious activities.
• Ensure all investments follow FEMA, SEBI, and PMLA guidelines.
• Report red-flag activities to the compliance team as per regulatory requirements.
• Maintain complete client transaction trails for audits.
• Monitoring, detecting, and reporting suspicious transactions to prevent misuse of financial systems.

Risk Management.

• Evaluate client portfolios for market risk, credit risk, and liquidity risk.
• Ensure asset allocation aligns with client risk tolerance and regulatory guidelines.
• Identify and mitigate operational risks in advisory and execution.
• Ensure compliance with internal risk management policies and SEBI/AMFI frameworks.

• Managing Portfolio base of 60 Cr. primary goal is to provide financial solutions and exceptional service to clients.
• With the help of Data management we can analyze the growth in the portfolio base.
• Averaged 13% returns on investment from 2021 to 2023.
• Using Flex cube and wizard as application tool for Client onboarding end to end process in account opening- individual and non-individual, KYC verification, Operation Management, Service Quality (90 % FTR), Audit parameter, and to Manage Portfolio Base - NTB CASA, Liability pool, Asset Management, Advisory, Cross sell TPP products.
• Performing due diligence when onboarding a new client is critical to ensure compliance with regulation, assess risk and establish a productive and trustworthy relationship.
• Fund diversification for portfolio base based on their financial requirement.
• Effective communication is crucial. I provide regular updates, financial reviews and insights to keep clients well informed about their portfolio status.
• Perform thorough due diligence on clients before onboarding (source of funds, investment suitability, risk profiling).
• Conduct due diligence on investment products, funds, and third-party offerings to ensure credibility and alignment with client goals.
• Ensure adherence to regulatory guidelines (FEMA, SEBI, RBI) during investment structuring.
• Support Enhanced Due Diligence (EDD) for HNI/UHNI clients with complex portfolios or offshore structures.

• Used Flexcube asapplication tool for Cash and other operational transaction. YesGreen application used for account opening process for individual and non-individual , Inward and Outward remittance, Cash management
• CRM tool used for customer's complaint, AML cases, other fraudulent transaction.
• Audit parameter ,Service quality, (90% FTR) Demographic Request, Re-KYC, Lockers, Data management for portfolio client and identifying their financial needs.
• VIRTUAL RELATIONSHIP MANAGER (VRM) :
• 1. Handing Portfolio of 1000 Existing Customer.
• 2. Engaging with the customer and identifying their financial needs.
• 3. Manage portfolio base (understand client need , PPI, book building )
• 4. Cross sell the various products like retail asset, Credit card, Family grouping, Investment and trading account.

• Dealing with queries, complaints of individual and non individual accounts , credit card and cross sell the asset and TPP products.