Rishav Sharma
Retail Banking Professional | AML & KYC Compliance | Client Relationship Management
Kathua,JK
Summary
Results-oriented banking professional with over 7 years of experience in personal banking, client relationship management and AML/KYC compliance. Proven track record in branch operations, risk assessment and regulatory adherence. Certified in Anti-Money Laundering and Risk Management.
Overview
7
7
years of professional experience
4
4
Certifications
Work History
Consultant
Independent Consultant
08.2024 - Current
- Conduct internal and external audits for banks and corporate clients.
- Provide expert, personalized advice to individuals and businesses on a wide range of banking products such as loans and business financing.
- Guide clients through the loan application process, assist with documentation, eligibility checks and financial profiling.
- Completed certification in Certified Anti-Money Laundering Manager conducted by NISM.
- Currently pursuing an Advanced Certification in AI & Prompt Engineering.
Deputy Branch Manager
ICICI Bank Ltd
01.2024 - 07.2024
- Managed full-service branch operations including lending, sales, customer service, and security.
- Conducted Enhanced Due Diligence (EDD) for high-risk customers, analysing source of funds and transaction behaviour.
- Maintained Suspicious Transaction Reports (STR) and AML-EDD portals in compliance with regulatory norms.
- Collaborated with internal audits to strengthen KYC controls and branch compliance.
Teller Authorizer
HDFC Bank Ltd
05.2023 - 01.2024
- Managed and branch staff, overseeing daily operations, driving sales, and ensuring operational efficiency ensuring adherence to internal audit and regulatory standards.
- Conducted Customer Due Diligence (CDD) and verified client identity and purpose of accounts.
- Supported transaction monitoring and escalation of red flags to compliance for review.
- Facilitated a customer-centric culture, building strong relationships and delivering personalized financial solutions.
Customer Experience Executive
HDFC Bank Ltd
06.2018 - 05.2023
- Executed over-the-counter services, ensuring timely and accurate processing of customer transactions, resolving complaints efficiently.
- Championed a customer-centric culture, to provide exceptional experiences that fostered long-lasting relationships.
- Maintained strict adherence to compliance, KYC/AML policies, and audit standards.
- Strengthened customer relationships through excellent customer service by providing quick resolutions to their queries.
Education
Master of Business Administration - Finance & Marketing
Shri Mata Vaishno Devi University (SMVDU)
05-2018
Skills
AML, BSA, FATF, OFAC & FinCEN Regulatory Frameworks
AML Tools
KYC & CDD
Transaction Monitoring
Suspicious Activity Reporting
Retail Banking
Client Relationship Management
Branch Operations Management
Core Banking System
Compliance, Banking Laws and Regulations
Customer Complaint & Escalation Handling
Team Management
Certification
Certified Anti-Money Laundering Manager (CALM), NISM
Accomplishments
- Star Service Excellence Award for surpassing performance goals.
- Multiple Best Employee Awards for excellence in operational compliance.
- Trained in Entrepreneurship Skill Development Programme by MSME-Development Institute.
- Participated in SEBI Financial Education Program.
Timeline
Consultant
Independent Consultant
08.2024 - Current
Deputy Branch Manager
ICICI Bank Ltd
01.2024 - 07.2024
Teller Authorizer
HDFC Bank Ltd
05.2023 - 01.2024
Customer Experience Executive
HDFC Bank Ltd
06.2018 - 05.2023
Master of Business Administration - Finance & Marketing
Shri Mata Vaishno Devi University (SMVDU)