RAMESHWARAN J
DINDIGUL
Summary
Dynamic banking professional with a proven track record at State Bank of India, excelling in KYC compliance and risk assessment. Expert in customer due diligence and data analysis, successfully sourced loans exceeding 7 crores while ensuring regulatory adherence. Strong problem-solving skills and a commitment to maintaining high compliance standards drive exceptional results.
Overview
5
5
years of professional experience
1
1
Certification
Work History
CASH IN CHARGE
STATE BANK OF INDIA
TAMILNADU
06.2024 - Current
- Managed end-to-end gold loan sanctioning, sourcing loans exceeding 7 crores through rigorous KYC checks.
- Conducted thorough analysis of customer profiles to ascertain loan eligibility based on KYC and financial documentation.
- Ensured compliance with banking regulations and AML/CFT requirements throughout loan sanctioning process.
- Facilitated meetings with customers to review applications, verify gold collateral, and confirm documentation accuracy.
- Processed loan documents, validated financial statements, and appraised collateral gold value.
- Achieved KYC/AML certification and applied knowledge to uphold legal compliance standards.
Associate
STATE BANK OF INDIA
TAMILNADU
01.2020 - 05.2024
- Screened customer profiles to identify potential risks in compliance with KYC and AML regulations.
- Performed reconciliation activities by analyzing customer complaints in the CRM.
- Performed detailed transaction data analysis, flagging suspicious activities for investigation.
- Collaborated with compliance team to resolve risk issues and escalate timely as needed.
- Evaluated complex data from multiple sources to determine case closure or escalation actions.
- Maintained comprehensive records of findings and communicated decisions to stakeholders effectively.
- Acquired extensive knowledge of banking products, services, and regulatory requirements.
Education
B.TECH - INFORMATION TECHNOLOGY
HINDUSTHAN INSTITUTE OF TECHNOLOGY
COIMBATORE04-2016
Skills
- Customer Due Diligence (CDD)
- Risk assessment
- Data analysis
- KYC compliance
- Problem solving
Certification
- KYC, AML, certification
- JAVA AND SQL CERTIFICATION
Languages
TAMIL
First Language
English
Upper Intermediate (B2)
B2
Timeline
CASH IN CHARGE
STATE BANK OF INDIA
06.2024 - Current
Associate
STATE BANK OF INDIA
01.2020 - 05.2024
B.TECH - INFORMATION TECHNOLOGY
HINDUSTHAN INSTITUTE OF TECHNOLOGY
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