Sandeep Poojary

• Since inception begin part of centralized deceased claim settlement team have designed application for both branch and back-office teams to raise and process claim settlement.
• Created claim forms and formats in compliance with RBI guidelines.
• Managing claim settlements and post account servicing for approximately 6,000 branches across India.
• Coordinating with Circle Heads to ensure claim settlements and post account servicing request are processed within TAT.
• Prepared SOPs on claim settlement process and updating SOPs at regular intervals based on new amendments and RBI guidelines.
• Assisting in RBI reporting by verifying case statuses as required.
• Coordinating with internal and external audit teams, as well as risk and compliance teams.
• Managing nodal and banking ombudsman escalations related to claim settlements.
• Conducting regular training to branches and internal team members on the deceased claim and post account servicing process for reducing NFTR.
• Sharing periodic performance and TAT analysis reports to senior management for strategic insights.
• Conducting User Acceptance Testing (UAT) to validate system changes prior to deployment, ensuring functionality, compliance, and seamless user experience.

Automation and Innovation Project.

• Current Account Interest Payout Automation: Streamlined deceased claim current interest payout via automation.
• Tax Saver Withdrawal Automation: Automated premature withdrawal interest processing for tax saver deposits.
• RBI Claim Settlement Reporting: Developed automated dashboards and reports for RBI submissions.
• Saksham Channel Blocking: Implemented full-spectrum account channel blocking for deceased customers.
• Aadhaar Deseeding Automation: I am presently working on the Aadhaar deseeding automation project.

• Managing and advising 1,558 branches on matters related to Deceased claims received from the Survivors/Legal heirs of the Deceased customers.
• Managing and advising on matters related to locker settlement received from the Branches.
• Attending legal documents, discrepancy rectifications Hard copies sent by the branches and Software replies by branches and processing the claim with TAT.
• Co-ordinating with Legal Team for any legal related notices from customers and claim related issues.
• Managing and advising on matters related to Break open of lockers, wherein rent is due from the locker hirers.
• Support to Branches concerning Statutory/Regulatory matters.
• Managing requests and queries of Branches on Statutory/Regulatory matters.
• Ensuring timely submission of responses to the Statutory/Regulatory authorities on all notices received at our Corporate office.
• Appropriate advice and draft reply are provided to the Branches for onward submission to the Statutory/Regulatory authorities.

• Pre-verification of account opening forms of Current, HUFs, Trust, Society, Associations & individual of entire west region as per internal & RBI guidelines.
• Headed a Team of Hold/Discrepancies management of entire West Region.
• Started Bridge call for West Region helping branches and back office for timely service to the customers and quick rectification of discrepancies, if any.
• Co-ordinating with vendor in Mumbai for scanning, indexing and Uploading of Account Opening Forms on secured FTP.
• Co-ordinating with vendor in Mumbai for processing the AOFs with TAT thereby avoiding escalations.
• Started Rekyc project successfully with 2 team member.
• Escalating document forgery cases to fraud management department.
• Handled a project of operation control checks on system on all activated accounts.
• Attending discrepancy rectifications Hard copies sent by the branches and Software replies by branches and processing account opening forms with TAT.
• Preparing MIS and tallying of Total received, discrepant and processed AOFs on a daily basis and sending the same to corporate office.
• Handled Administration activities like bill payments to vendor, courier, telephone, rent of premises etc.
• Handled archival & storage of all account opening forms.

Achievements

• Winner of Star of the 3rd Quarter of 2016-17 in Kotak Mahindra Bank.
• Winner of the 'Icon Award' for the 4th quarter of 2013-14.
• Winner of the 'OVER Drive Award' for the first quarter of 2013-14.
• Winner of the 'OVER Drive Award' for the second quarter of 2012-13.

• Verification of Current, Savings, fixed deposit, recurring, and Corporate Salary accounts based on KYC(Know Your Customer) and RBI guide lines issued by Audit / product.
• Verification of various instructions send by the customer addition/deletion of applicant or company authorized signatory based on KYC (Know Your Customer) and RBI guide lines issued by Audit / product.
• Fund checking and system checking of new account opening forms with PAN verification.
• Doing Anti-money laundry (AML) checks and taking approvals for all exceptions account opening cases.
• Booking of fixed deposit & Recurring deposit.
• Preparation of MIS and MOP for Productivity and Queries for analysis.
• Coordinating and guiding a branch for resolving queries.
• Ensuring that Accounts are processed and FD are booked within agreed TAT with quality check.

Achievements

• Winner of the 'Alert Employee Award' in April 2011.
• Winner of the 'Alert Employee Award' in September 2010.

• As an Analyst in their Risk Containment Unit (RCU)
• Monitoring, reviewing, analyzing online inward remittances and proactively detecting & holding fraudulent transactions. i.e. Money To India NRI Services.
• Hold/Dispute Resolution.
• Sending Cases on Field for the field Verification of Suspicious Accounts.
• Co-ordinating with the field investigation team relating to cases sent on field.
• Co-ordinating to streamline any fraud related issues and Manager on critical problems.
• Preparation of MIS and MOP monthly basis.
• To maintain TAT (Turn Around Time) of Cases sent on Fields.