Satyam Mishra
Dehradun
Summary
Dynamic Banking Professional with hands-on experience in Branch Operations, Regulatory
Compliance (KYC/AML), Audit Handling, Cash & Vault Management, CASA Growth, and
Third-Party Product Sales. Currently serving as Service Delivery Manager with strong exposure to
risk monitoring and customer relationship management. Seeking to contribute operational
excellence in carrer.
Overview
2
2
years of professional experience
4043
4043
years of post-secondary education
1
1
Certification
Work History
Service Delivery Manager
INDUSIND BANK
Dehradun
01.2026 - Current
- Managing end-to-end branch operations ensuring adherence to RBI guidelines, internal policies, and regulatory compliance.
- Supervising daily cash management including vault control, teller authorization, and end-of-day balancing.
- Monitoring KYC/AML compliance, periodic KYC review, and high-risk account scrutiny.
- Handling clearing operations (CTS inward/outward), cheque returns, and reconciliation of GL and suspense accounts.
- Coordinating Internal, Concurrent, and Statutory audits and ensuring timely closure of audit observations.
- Implementing maker-checker controls to mitigate operational and fraud risk.
- Overseeing account opening verification, documentation scrutiny, and regulatory reporting.
- Handling escalated customer grievances and ensuring resolution within TAT.
- Monitoring operational risk indicators and ensuring branch process discipline.
- Supervising service desk and teller team to maintain service quality and operational accuracy.
- Driving CASA growth and contributing to branch revenue through cross-selling of Term Deposits, Insurance, and Retail Asset leads.
- Supporting achievement of monthly branch targets through customer engagement and relationship management.
Teller
IDFC FIRST BANK
Dehradun
05.2024 - 01.2026
- Managed high-volume branch cash operations including vault balancing, teller authorization, and end-of-day reconciliation.
- Ensured strict adherence to RBI guidelines, KYC/AML norms, and internal compliance policies.
- Handled clearing operations (CTS inward/outward), cheque return processing, and reconciliation of suspense accounts.
- Verified account opening documentation including FATCA, CKYC, and periodic KYC updates.
- Monitored and reported suspicious transactions as per AML framework.
- Coordinated and closed audit observations (Internal / Concurrent / Statutory Audit) within defined timelines.
- Maintained control over GL accounts and ensured daily balancing without discrepancies.
- Handled customer service requests such as lien marking, stop payment, mandate updates, and account modifications.
- Assisted in ATM cash management and ensured cash retention limits were maintained as per policy.
- Ensured operational risk mitigation through maker-checker controls and dual verification processes.
Service Officer
Kotak Mahindra Bank
New Delhi
12.2023 - 04.2024
- Managed high-value cash transactions with strict adherence to RBI guidelines and internal control policies
- Handled vault balancing, teller cash retention limits, and daily end-of-day reconciliation
- Authorized and verified cash transactions, cheque payments, and clearing instruments
- Processed CTS inward/outward clearing and coordinated cheque return handling
- Ensured compliance with KYC/AML norms and assisted in account opening documentation verification
- Monitored suspicious transactions and escalated as per AML policy
- Maintained accuracy in GL balancing and suspense account reconciliation
- Supported internal, concurrent, and statutory audits by closing observations within TAT
- Handled customer service requests including account modification, lien marking, stop payments, and mandate updates
- Assisted in ATM cash loading coordination and cash management reporting
Education
Bachelors in Commerce - Commerce
Hemvati Nandan Bahuguna Garhwal University
Dehradun 10.2020 - 10.2023
GRD ACADEMY
DehradunGRD ACADEMY
DehradunSkills
- Branch Operations Management
- Cash & Vault Management
- Clearing & CTS Operations
- GL & Suspense Account Reconciliation
- Account Opening & Documentation Scrutiny
- Maker–Checker Control Implementation
- KYC / AML Compliance
- RBI Regulatory Adherence
- Audit Coordination (Internal / Concurrent / Statutory)
- Operational Risk Management
- Fraud Prevention Controls
- CASA Mobilization
- Cross-Selling of Insurance & Mutual Funds
- Retail Asset Lead Generation
- Customer Relationship Management
- Team Supervision
- Conflict Resolution
- Customer Grievance Handling
- Target Monitoring & Performance Tracking
Certification
- NISM Series V-A – Mutual Fund Distributor (2023)
- IRDA Specified Person (SP) Certified
- PG Certificate in Retail Banking
Timeline
Service Delivery Manager
INDUSIND BANK
01.2026 - Current
Teller
IDFC FIRST BANK
05.2024 - 01.2026
Service Officer
Kotak Mahindra Bank
12.2023 - 04.2024
Bachelors in Commerce - Commerce
Hemvati Nandan Bahuguna Garhwal University
10.2020 - 10.2023
GRD ACADEMY
GRD ACADEMY