SANJEEV SAIKIA

• Lead regulatory reporting and internal compliance across the organization.
• Managed external audits and ensured audit recommendation implementation.
• Conducted product and process compliance testing, KYC/AML reviews.
• Guided senior stakeholders on compliance risks and regulatory expectations.
• Drafted compliance reports for executive leadership and regulators.
• Handled CTR, NTR, STR reporting to FIU-IND.
• Led product compliance testing, tranche testing and thematic assessments.

• Contributing as Regional Compliance officer for Bank of Baroda, Jorhat Region.
• Responsible for identifying non-compliant conduct, breaches, and violations across 59 branches of Jorhat region.
• Responsible for taking the appropriate steps, following up and escalating matters in order to ensure corrective action is implemented.
• Responsible for conducting On Site Compliance Tests to ensure that business activity complies with regulatory requirements and the bank's policies and procedures.
• Provide training, guidance, and support to the branches on regulatory initiatives.
• Proactively audit processes, practices and documents to identify weaknesses.
• Assist with internal compliance investigations, as requested.

• Contributing as Regional In-charge of Audit and Inspection related activities of 57 Branches.
• Utilized excellent problem-solving and issue-resolution strategies to rectify difficulties quickly and effectively.
• Coordinating with Internal Auditors for conducting Internal Audit of Branches to determine risk and planning strategies to mitigate risk.
• Engaged in scrutinizing Audit Reports to find major irregularities and devising strategies for rectification of the same to protect the interest of the Bank.
• Conducting Compliance Audit & Investigations and ascertaining the compliance position of branches and mitigating the associated risks.
• Closely monitored staff performance and continually seeking ways to improve team delivery for optimized financial success.
• Efficiently managed Branch Staffs by offering support and constructive feedback to improve compliance level of branches.
• Successfully achieved management objectives, consistently hitting deadlines and performance targets.
• Managing customer centric banking operations, forwarding instructions to the concerned department and ensuring customer satisfaction by achieving delivery & service quality norms.

• Conducted internal audits, compliance checks, fraud investigations.
• Improved audit timeliness and ensured policy compliance.

• Evaluated creditworthiness, reviewed loan proposals, ensured regulatory compliance.
• Handled NPA accounts and initiated recovery actions.

• Directed all operational aspects including distribution, customer service, human resources, administration and sales in accordance with the bank's objectives.
• Imparted training, coaching, development and motivation for bank personnel.
• Chalked out forecasts, financial objectives and business plans.
• Assessed local market conditions and identified current & prospective sales opportunities.
• Identified areas of improvement and proposed corrective actions that meet challenges and leverage growth opportunities.
• Shared knowledge with other branches & headquarters on effective practices, competitive intelligence, business opportunities and needs.
• Addressed customer and employee satisfaction issues promptly.
• Adhered to high ethical standards, and complied with all regulations/applicable laws.
• Built strong rapport with new and existing clients to better serve financial needs and promoted branch loyalty.
• Conducted customer feedback surveys to improve service levels.
• Completed thorough credit checks to make accurate decisions about applications.

• Led a newly opened branch and ensured best of services being provided to the NTB Clients.
• Chalked out forecasts, financial objectives and business plans.
• Assessed local market conditions and identified current & prospective sales opportunities.
• Identified areas of improvement and proposed corrective actions that meet challenges and leverage growth opportunities.
• Addressed customer and employee satisfaction issues promptly.
• Conducted customer feedback surveys to improve service levels.
• Completed thorough credit checks to make accurate decisions about applications.

• Addressed customer and employee satisfaction issues promptly.
• Adhered to high ethical standards, and complied with all regulations/applicable laws.
• Networked to improve the presence and reputation of the branch and bank.
• Resolved customer complaints timely and ensured delivery of best of services.
• Reviewed credit applications, determined eligibility, assessed the risk and forwarded the same for sanction.
• Assessed local market conditions and identified current and prospective sales opportunities.
• Conducted investigations and in-depth evaluations of customers for creditworthiness and potential risk factors.
• Managed all reporting, documentation and record-keeping requirements for department.
• Submitted delinquent accounts to collections department or outside resources.