Pavithra K
Bangalore
Summary
Experienced and dedicated banking professional with a strong background in banking operations, customer relationship management, and team coordination. Seeking a challenging role in a reputed organization to leverage my skills, contribute to organizational success, and pursue continuous professional development.
Overview
12
12
years of professional experience
4
4
Languages
2
2
Certificates
Work History
Manager-CSG
Axis Bank Ltd.
Bangalore, India, Karnataka
06.2021 - 07.2025
- Performed AML Screening/CDD/EDD reviews on Prospects
and new/existing customers in accordance with the policies
and procedures. - Drafted and identified KYC documentation requirements
- Verifying docs such as customer DL, Passport, on boarding
forms, partnership/company on boarding form, trust deed,
agreements, guarantor & beneficiary details. - Executed end-to-end KYC procedures for both entities and individuals
- Maintain audit-ready documentation and records.
- Monitor adherence to internal policies and regulatory guidelines (RBI, KYC, AML).
- Implement controls to minimize operational risk and audit findings.
- Maintain records for internal and external audits.
- Identify bottlenecks and drive continuous improvement initiatives to reduce Turn Around Time (TAT).
- Conduct training sessions on new systems, compliance updates, and operational best practices.
- Generate and review Management Information System (MIS) reports for operational performance.
Dip Tester (Employee Banking)
Standard Chartered Bank
Bangalore, India, Karnataka
05.2018 - 04.2021
- Verified account opening forms and KYC documents.
- Processed credit card applications and tracked issuance.
- Handled escalations and customer queries.
- Coordinated with internal teams for smooth operations.
- Managed salary account processing.
- Conducts end-to-end Know Your Customer (KYC) checks for individuals and entities, ensuring compliance with RBI, AML, and internal guidelines.
- Handles Enhanced Customer Due Diligence (ECDD) for high-risk clients, including trusts, PEPs, and government-related entities.
- Performs internal QC checks before cases move to final approval stages.
- Uses open sources to gather client information, minimizing onboarding delays.
- Works with legal and valuation vendors to obtain reports for collateral offered against loans.
- Tracks overdue reviews, deferrals, and disbursal documentation compliance.
Process Associate
Trade Operations
Bangalore, India, Karnataka
11.2016 - 03.2018
- Maintained daily export/import documentation.
- Prepared Excel reports for Bill of Entry tracking.
Internal Auditor (Transaction Verification)
Royal Bank of Scotland N.V.
Bangalore, India, Karnataka
10.2013 - 10.2016
- Verified inward clearing cheques for accuracy and compliance.
- Cross-checked cheque details with reports and physical documents.
- Managed ECS debit and credit verifications.
- Audited vouchers and stop-payment requests with supporting documentation.
Education
Bachelor of Business Management - BBM
Kukke Shree Subrahmanyeshwara College
Subramanya, Dakshina Kannada01.2013
Pre-University Course - PUC
Govt. PU College
Kaniyoor, Dakshina Kannada01.2010
SSLC - undefined
Morarji Desai High School
Machina, Dakshina Kannada01.2008
Skills
EOPS and EBBS Banking Software
Normoactivity Platform
Microsoft Office (Word, Excel)
Sanctions Screening Programs
Oracle Applications
Personal Strengths
- Strong communication and interpersonal skills
- Quick learner and highly adaptable
- Target-driven and self-motivated
- Excellent multitasking and time management
Certification
AML-KYC Complaince Officer, from V Skill
Professional skills
- Professional knowledge of AML KYC CDD & EDD
- END-TO-END KYC Procedure
- Good analytical skill
- Good presentation and Negotiation skill
Disclaimer
I hereby declare that the information provided above is true to the best of my knowledge and belief. Place: Bangalore Date: ____________ (Signature) Pavithra K
Timeline
Manager-CSG
Axis Bank Ltd.
06.2021 - 07.2025
Dip Tester (Employee Banking)
Standard Chartered Bank
05.2018 - 04.2021
Process Associate
Trade Operations
11.2016 - 03.2018
Internal Auditor (Transaction Verification)
Royal Bank of Scotland N.V.
10.2013 - 10.2016
Bachelor of Business Management - BBM
Kukke Shree Subrahmanyeshwara College
Pre-University Course - PUC
Govt. PU College
SSLC - undefined
Morarji Desai High School