Satish Ram

Authoriser – WBO Trade Finance Operations

HDFC Bank, Mumbai | Jul 2017 – Present

Jul 2017- 2019

Bank guarantee Team:

• Managed end-to-end Bank Guarantee (BG) operations including issuance, amendments, extensions, and closures for Performance, Financial, and Advance Payment Guarantees.
• Reviewed BG applications and verified customer documentation in line with RBI guidelines, internal SOPs, and KYC/AML requirements.
• Prepared and validated BG formats ensuring accuracy of beneficiary details, amounts, validity, and contractual terms.
• Coordinated with branches, clients, and internal teams to ensure timely BG delivery and resolution of discrepancies.
• Maintained BG lifecycle MIS and supported audit requirements through proper documentation and reporting.
• Assisted in risk assessment by identifying documentation gaps and transaction inconsistencies prior to BG issuance.

Trade Quality & Compliance Team (2019-2022):

• Support AML compliance through transaction reviews during GST, Suspense GL, and treasury reconciliations.
• Perform PAN-India GST reconciliation and resolve discrepancies to prevent operational and compliance risks.
• Monitor Suspense GLs (Inward, Routing, Deferred) and close breaks on priority basis.
• Conduct DealPro vs FCUBS and Murex reconciliations to identify unusual or mismatched transactions.
• Ensure KYC/AML adherence while processing Bank Guarantees including issuance, amendments, extensions, and closures.
• Review customer documentation and beneficiary details as per RBI guidelines and internal SOPs.
• Provide regulatory data and transaction-level reports for RBI audits and internal compliance reviews.
• Assist audit teams with documentation trails and ad-hoc compliance data.
• Prepare MIS and TAT dashboards for senior management.
• Contribute to operational risk reduction through timely reconciliation and corrective actions.

Branch Control Unit – Internal office Account Monitoring Advisory Team:

Implemented controls over Internal/Office Accounts in accordance with RBI’s 2019 directive to prevent misuse and strengthen risk governance.

• Assisted in defining and documenting the purpose, ownership, and access controls for internal accounts to ensure proper usage and accountability.
• Supported periodic reconciliation and monitoring of internal accounts to detect long-outstanding balances, unusual postings, or operational exceptions.
• Prepared regular MIS and exception reports for senior management highlighting reconciliations, control observations, and outstanding items.
• Coordinated with Audit and Compliance teams to address findings related to internal accounts and enhance governance frameworks.
• Ensured adherence to RBI expectations by reviewing transaction postings, access logs, and documentation trails for internal office accounts.

• Supported financial KPO operations focusing on middle-office/middle-office reconciliation, trade processing, and compliance monitoring for global banking clients. �
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• Performed oversight on key back-office tasks including exception tracking, reconciliation validation, and quality checks against SLA and compliance metrics.
• Reviewed and validated transaction outputs to ensure accuracy, compliance, and timely delivery.
• Prepared operational MIS and exception reports for senior leadership and client governance forums.
• Coordinated with cross-functional teams to resolve aged items, control gaps, and audit queries in alignment with client policies.
• Assisted compliance teams in documentation reviews and regulatory reporting support.