Saravana M

• Reduced operational costs with thorough analysis of resource allocation and elimination of redundancies.
• Evaluated risks associated with project implementation; applied mitigation strategies accordingly for optimal results.
• Championed continuous improvement, driving process innovation, and adopting best practices across the organization.
• Standardized processes for increased consistency, reliability, and ease of replication across departments.
• Review and analyze documentation provided on each loan including credit report, income and asset documentation, gifts, purchase agreement, title report, etc
• To make an informed lending decision
• Collect appropriate and accurate information required to assess potential clients and decide on the acceptable risk for a policy

• Analyzed associates for Quality, compliance and ethics implementation.
• Deliver coaching & feedback to associates and preparing management reports.
• Participated in weekly team and client calibrations to improve in quality procedures and support.
• Provided regular updates to team leadership on quality audits, communicating consistency problems and quality guidelines deficiencies.
• Reported quality violations appropriately according to operations & client guidelines.
• Interacted well with Clients to build connections and nurture relationships.
• Reported issues to higher management with great detail.
• Trained and guided team members to maintain high productivity and performance metrics.
• Performed quality assurance checks on completed KYC files, ensuring accuracy and completeness while adhering to internal policies and regulatory standards.
• Supported KYC processes for prospective and existing customers.
• Cultivated interpersonal skills by building positive relationships with others.

• Prepared accurate documents for customer and business needs.
• Supported KYC processes for prospective and existing customers.
• Managed a high volume of client data, maintaining strict confidentiality and adhering to internal policies for information handling.
• Contributed to successful external reviews, demonstrating effective implementation of KYC standards within the organization.
• Prevented account closures or penalties with prompt resolution of outstanding KYC issues for high-risk clients.
• Performed periodic reviews and reports on merchants to comply with rules, regulations and KYC requirements.
• Provided training to new team members on KYC procedures, resulting in increased productivity and effectiveness.
• Trained junior team members in technical skills and industry best practices, fostering a culture of learning and growth.
• Established strong working relationships with stakeholders across departments to facilitate seamless communication during client onboarding activities.
• Conducted detailed data analyses for informed decision-making and proactive problem solving.
• Developed comprehensive reports to track progress, identify trends, and provide actionable insights for senior management.
• Collaborated closely with research and development teams to bring innovative ideas from conceptualization through implementation stages.
• Cultivated strong relationships with stakeholders to integrate their feedback into process improvements.
• Developed remediation plans for team to provide compliance attestation and reported common control procedures and effectiveness.

· One of the key responsibilities will be coordination and collection of client specific information and Completion of documentation to assist in the on-boarding of new clients and another important responsibility will be performing ongoing customer due diligence including Maintenance and updating of AML and KYC records and information for existing clients

• Trained junior team members in technical skills and industry best practices, fostering a culture of learning and growth.
• Reduced operational costs with thorough analysis of resource allocation and elimination of redundancies.
• Generated monthly metric reports, interpreted results and developed processes and solutions.

· Furthermore, this role will identify and escalate any suspicious or unusual matters to AML & Line Of Business Compliance for further investigation

· Perform Periodic KYC reviews on risk based schedule

· On boarding of clients and Entities (Companies, Partnerships, Sole trader, Trust - Trustee, Incorporated and Un Incorporated company).

· Contributing ideas and participating in efforts to further improve and streamline the process

· Acting SME for the team & helping with queries as in when required.

• Enhanced process efficiency by streamlining workflows and implementing automation strategies.
• Evaluated ongoing processes for possible enhancements and beneficial changes to best practices.

* Verify, compiles application information for mortgage loans.

* Proactively expanded skillset by attending regular workshops.

* Inform credit bureau and employer to verify accuracy of information.

* Proactively developed excellent relationships with vendors, stakeholders, clients and staff by going extra mile to assist need.