RADHIKA BALAJI
Chennai
Summary
A focused and diligent finance graduate with 5+ years of experience in Banking Industry, seeking a position in reputed organization wherein my operational and technical expertise will be utilized and my knowledge will be enhanced. Highly-motivated employee with desire to take on new challenges. Strong worth ethic, adaptability and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.
Overview
7
7
years of professional experience
Work History
Personal Banking - Bereavement Closures
NatWest Group
09.2023 - Current
- To Perform Account closures for the deceased customers by confirming veracity of the Mandatory Documents depending upon the value of estate, ensuring the Next of Kin/Executor is genuine, verifying back office prechecks before closing and transferring funds via Interbranch payments or Bankline
- I have given an opportunity to manage the team towards the excellence by maintaining the good SLA trends and reporting the MI's to the management
- Have been into authorization and payment keying with quality
- Handling the Complaints, Queries and Escalations raised by the client.
- Actively participated, organized and conducted team meetings & Huddles.
- Good Exposure to AML guidleines and RBS Proprietary tools.
Commercial Banking - Audit Letters
NatWest Group
03.2019 - 09.2023
- Custodian for annual records and statement of Balance, Assets & liabilities of the client and share the reports with the auditors. These letters are used by auditors to prepare Annual Ledger and front to back reconciliations.
- Collaborated with different teams to carry out the automation for the team and drive the ideas for process enhancement through brainstorming sessions on monthly basis.
- Custodian for handling Complaints , Queries and Escalations raised by the client. Helped in migration of onshore sub-process and escalation mail box.
- Actively involved in processing customer requests with efficiency without breaching SLAs.
- Played the role of Training lead for new joiners. Involved in allocation of work items to the team members.
Commercial Banking - Account Opening & Mandate
NatWest Group
03.2021 - 09.2023
- Advisor to the onshore team on necessary actions to be taken to complete the account opening request. Adhering to the TAT agreed for every request and sharing the same to the customers accordingly.
- Custodian for investigating processes related to AML, Customer Identification, Frauds Identification, etc and adhering to the guidelines of complaint handling process and in case of suspicious money laundering activities would escalate to risk team.
- Maintain accuracy while verifying and setting up customer's signatures in ISV system, useful to different process across units.
- Supported the team during their employee deficit times and when there is spike in their inflows.
Personal & Business Banking - Account Closing
NatWest Group
01.2017 - 03.2019
- Custodian for analyzing the borrowing Terms availed by the customers, sending letters and closing their accounts by writing off their debts.
- Planned and Executed allocation of work for fellow colleagues to maintain the Service line agreement.
- Released letters to clients with regards to their financial status on quarterly basis and felicitating regular follow up.
- Single handedly managed the Specialist Group process and 11 sub processes & maintained SLA with expertise. Collaborated and automated manual process for efficiency of processes.
Education
MASTER IN BUSINESS ADMINISTRATION - FINANCE - Financial Services
Anna University
Chennai, India04-2019
B. Com in Bank Management
Ethiraj College For Women
Chennai, Tamil Nadu04-2016
Skills
- MS Office
- Analytical skills
- Opportunity Identification
- Banking
- Critical thinking
- Banking Policies and Procedures
- Regulatory Compliance
- Relationship Management
- Banking operations
- Issues Resolution
- Customer Service
Accomplishments
- Received Appreciations from Stakeholders, Clients for following TOFU (Taking Ownership and Follow-up).
- Recognized as Best Contributor for ideating for customer service request by using easier methods derived out of experience.
- Recognized as Star Performer of the Team for processing error free and highest number of customer requests.
- Rewarded BRONZE ovation for clearing huge volumes in Write-off & Clearance process.
- Recognized for LOV from team members for doing the right thing.
- Rewarded BRONZE ovation for providing training for new joiners & cross trainers, giving assessment and evaluating their quality percentage.
- Rewarded SILVER ovation for supporting the team during 2017 flood. Recognized for the team Management.
Timeline
Personal Banking - Bereavement Closures
NatWest Group
09.2023 - Current
Commercial Banking - Account Opening & Mandate
NatWest Group
03.2021 - 09.2023
Commercial Banking - Audit Letters
NatWest Group
03.2019 - 09.2023
Personal & Business Banking - Account Closing
NatWest Group
01.2017 - 03.2019
MASTER IN BUSINESS ADMINISTRATION - FINANCE - Financial Services
Anna University
B. Com in Bank Management
Ethiraj College For Women
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