Ruchitha Reddy
Assistant Branch Head
Hyderabad
Summary
Results-driven Assistant Branch Head with extensive experience in branch operations, regulatory compliance. Proven Expertise in KYC verification, AML compliance, transaction monitoring (TMR), and sanctions/PEP screening. Adept at leading branch teams to ensure 100% adherence to RBI, internal audit guidelines, while enhancing operational efficiency and customer experience. Skilled in risk assessment, due diligence, and reporting, with a track record of maintaining audit-ready operations and mitigating compliance risks.
Overview
3
3
years of professional experience
3
3
Certifications
1
1
Language
Work History
Assistant Branch Head
ESAF Small Finance Bank
06.2025 - Current
- • Oversee complete branch operations, ensuring compliance with RBI and internal audit requirements.
- • Supervise and guide teams in account opening, cash management, clearing, and KYC verification.
- • Implement and monitor KYC/AML/TMR processes, ensuring zero non-compliance.
- • Conduct risk-based customer profiling, periodic re-KYC, and CDD/EDD reviews for high-risk accounts.
- • Lead transaction monitoring to detect unusual activities; ensure timely filing of STR/CTR .
- • Perform sanction and PEP screening using compliance tools to mitigate financial crime risks.
- • Liaise with compliance, audit, and risk departments to address observations and strengthen internal controls.
- • Ensure branch audit readiness and achieved consistent 100% compliance scores during internal reviews.
- • Mentor staff on KYC/AML guidelines, customer handling, and operational accuracy.
- • Collaborated with team members to optimize workflow efficiency and improve service delivery.
- • Analyzed branch performance metrics to identify areas for process improvement and efficiency gains.
Teller
ESAF SMALL FINANCE BANK
09.2022 - 06.2025
- Key Responsibilities:
- • Handled day-to-day cash transactions, deposits, withdrawals, and fund transfers with 100% accuracy.
- • Processed account openings and customer verification as per KYC and AML compliance standards.
- • Managed cash balancing, vault operations, and end-of-day reconciliation activities.
- • Delivered high-quality customer service while resolving account-related queries efficiently.
- • Ensured accuracy in documentation, cheque processing, and transaction posting in the core banking system (Finacle / Flexcube / etc.).
- • Supported branch operations in handling cash remittances, RTGS/NEFT payments, and loan repayments.
- • Monitored and reported suspicious cash transactions in line with PMLA and RBI guidelines.
- • Coordinated with compliance and audit teams for KYC verification and record maintenance.
Education
MBA - Accounting And Finance
St Xavier College
Hyderabad01.2021
B Tech - Computer Science Engineering
St Peters Engineering College
Hyderabad01.2020
Skills
Key Skills
KYC / CDD / EDD
AML & Regulatory Compliance
Sanction & PEP Screening
Transaction Monitoring & Reporting (TMR)
Customer Risk Profiling
Suspicious Transaction Reporting (STR / CTR)
Core Banking Operations
Data Validation & Re-KYC
Audit Support & Documentation
Communication & Team Coordination
Accomplishments
- Received Promotion for the best performer in the year Nov-2023
- Received an Appraisal rating in July -2024
Certification
Best Customer Service Award – Recognized for delivering exceptional customer experience and maintaining high customer satisfaction.
Declaration
I hereby declare that the information provided above is true and correct to the best of my knowledge and belief. I take full responsibility for the authenticity of the details mentioned herein.
Timeline
Assistant Branch Head
ESAF Small Finance Bank
06.2025 - Current
Best Customer Service Award – Recognized for delivering exceptional customer experience and maintaining high customer satisfaction.
05-2025
Est Customer Service Award – Recognized for delivering exceptional customer exp• Best Operations Award – Awarded for excellence in branch operations, KYC/AML compliance, and operational efficiency.
05-2025
Best Performer (2024–2025) – Consistently achieved top performance in branch management, compliance adherence, and team leadership.
12-2024
Teller
ESAF SMALL FINANCE BANK
09.2022 - 06.2025
MBA - Accounting And Finance
St Xavier College
B Tech - Computer Science Engineering
St Peters Engineering College
Similar Profiles
Zakkariya P.Y Zakkariya P.Y null
Officer in Business Operations at Esaf Co-Operative (BC of ESAF Small Finance Bank)Officer in Business Operations at Esaf Co-Operative (BC of ESAF Small Finance Bank)
RAJ KUMARRAJ KUMAR
Sales Officer at ESAF SMALL FINANCE BANKSales Officer at ESAF SMALL FINANCE BANK
MAHENDRAN A MMAHENDRAN A M
Assistant Branch Head at ESAF SMALL FINANCE BANKAssistant Branch Head at ESAF SMALL FINANCE BANK
Satish ChillappagariSatish Chillappagari
Mobility Payroll Manager at KPMG Global ServicesMobility Payroll Manager at KPMG Global Services
Sai Kiran AervaSai Kiran Aerva
Lead Consultant/Scrum Master at HCL/ Broadridge/ Verizon ClientsLead Consultant/Scrum Master at HCL/ Broadridge/ Verizon Clients