CXL
Radhika Narayanan
Bullion Officer
Mumbai
Summary
Accomplished banking and financial operations specialist with 19+ years of progressive experience managing end-to-end back-office functions, bullion trade operations, regulatory compliance, and client servicing for multinational banks. Proven expertise in streamlining processes, ensuring statutory adherence (RBI, Customs, Income Tax), and leading multi-regional operations. Adept at managing high-value transactions, reconciliations, and audit readiness while fostering strong stakeholder relationships across legal, finance, and client teams.
Overview
21
21
years of professional experience
3
3
Languages
Work History
Officer III, Commodities Wind-down Operations
Scotiabank
Mumbai
04.2021 - 04.2025
- Managed regulatory, legal, indirect taxation, and AML/KYC compliance, coordinating with APAC Legal, local consultants, and external counsel.
- Executed monthly GL attestations, reconciliations, and closure of accounts, ensuring full compliance with governance standards.
- Supported audit finalization by providing asset/liability data, coordinating with auditors, and ensuring accurate records management.
- Oversaw EDPMS follow-ups, vendor payments, and administrative tasks to maintain operational efficiency.
Senior Bullion Assistant
Scotiabank
06.2017 - 03.2021
- Directed daily operations for export, domestic, and courier clearances of bullion, including customs duty processing under the 80:20 gold scheme.
- Reconciled customs duty, bond liabilities, margin accounts, and fixed deposits; updated the Bank Master in Metagrid.
- Coordinated with banks, customers, and consultants on regulatory matters, ensuring audit readiness.
Bullion Assistant
Scotiabank
03.2013 - 05.2017
- Independently managed bullion and banking operations for North India, including deal processing, deliveries, reconciliations, and compliance checks.
- Liaised with customs consultants for import/export documentation and 80:20 scheme compliance.
- Prepared MIS reports, monitored turnaround times, and escalated operational exceptions to management.
Backoffice Assistant
Scotiabank
07.2010 - 02.2013
- Supervised contract staff in managing customer servicing, loan operations, and transaction processing for the East-West and South regions.
- Coordinated with vaulting agents, confirmed daily stock transfers, and maintained accurate delivery records.
- Ensured timely loan disbursals, repayments, and approvals for waivers.
Assistant Account Executive
Scotiabank
04.2006 - 06.2010
- Managed deal confirmations, fixed deposits, deliveries, and reconciliations within strict timelines.
- Monitored overdrafts, margin calls, and customer funding, ensuring accurate month-end reporting.
Accounts Assistant
Compuservices
11.2003 - 01.2005
- Managed accounting in Tally 5.4, reconciliations, cash/expenses, customer communication, and office administration.
Education
Post Graduate Diploma in Banking And Finance -
Symbiosis Centre For Distance Learning
Pune, India 04.2001 -
Bachelor of Commerce -
V.K. Krishnan Menon College
Mumbai, India 04.2001 -
Skills
Banking & Bullion Operations
Regulatory Compliance (RBI, Customs, AML/KYC)
Trade Finance & Loan Operations
Reconciliations & GL Attestations
Client Relationship Management
MIS Reporting & Data Analysis
Process Improvement & Risk Mitigation
Team Leadership & Training
Software
Metagrid
Tally
Bank Master
Timeline
Officer III, Commodities Wind-down Operations
Scotiabank
04.2021 - 04.2025
Senior Bullion Assistant
Scotiabank
06.2017 - 03.2021
Bullion Assistant
Scotiabank
03.2013 - 05.2017
Backoffice Assistant
Scotiabank
07.2010 - 02.2013
Assistant Account Executive
Scotiabank
04.2006 - 06.2010
Accounts Assistant
Compuservices
11.2003 - 01.2005
Post Graduate Diploma in Banking And Finance -
Symbiosis Centre For Distance Learning
04.2001 -
Bachelor of Commerce -
V.K. Krishnan Menon College
04.2001 -
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