Poornima J

· Performing Income calculation from salaried income, Pension, retirement, social security and other income.

· Asset verification from borrower account statement, retirement account, mutual fund and other investments.

· Review & verify Customer/client income, credit reports, employment history, property appraisals & the title insurance information to prepare loan applications for underwriting.

· Preparing loan documents for review.

· Ordering and reviewing titles for accuracy.

· Provide clear and concise written communication on missing or incorrect documents exceptions.

· Instructing applicant documentation requirements and conduction follow up to ensure timely receipt.

· Review prelim and appraisal for property information.

· Review borrowers’ credit for adherence to banks credit and under writing policy.

· Adjusted end to end KYC process needs to align with workforce capabilities.

· Investigated cases of fraud, which involved upward of unusual transaction alert.

· Assessed and become familiar with business clients to mitigate potential risk and maintain a good working relationship with the bank.

· Coordinated with internal partners such as front, middle and back office staff to obtain required information and applicable documentation related to client on boarding and KYC production.

· Initiated and completed high-quality KYC files inclusive of data input, research and analysis.

· Identified data anomalies and assisted with root cause analysis to minimize errors.

· Maintained detailed tracking of KYC file status and other customer record activities to ensure completion within required timeframes.

· Independently managed multiple simultaneous requests inclusive of customer data maintenance in a high pressure work environment.

· Duties included requesting researching and reviewing documentation, including legal documents, and performing due diligence by verifying client information identification.

· Implemented AML monitoring and transferring system.

· Streamlined the KYC on boarding process by implementing an enhanced data analysis system, which led to a 30% improvement in efficiency and reduced the average processing time from 10 days to 7 days.

· Identified and escalated 10 high risk clients through KYC analysis, leading to further investigation by the compliance team and preventing potential regulatory violations.