Shammi Bhardwaj
Kurukshetra
Summary
I am as Senior Branch Manager with 10+ years' experience in financial services handling KYC Guide line /Risk Management /Operation /Customer Management /Audit and Analysis of loans and banking risks .I have a proven track record of optimising customer onboarding process and ensuring compliance with the anti-money laundering regulations. I have a deep understanding of Banking Guideline , risk management and regulatory compliance. My greatest strengths are my analytical skills, attrition Contol Management .
Overview
16
16
years of professional experience
Work History
Senior Branch Manager
HDFC Bank LTD
Kurukshetra
02.2023 - Current
- Reviewed customer documents and information to ensure compliance with KYC regulations.
- Analyzed customer data to identify suspicious activity or potential money laundering schemes.
- Identified customer risk levels based on established criteria.
- Updated client profiles with relevant KYC information.
- Monitored accounts for changes in activity that could indicate fraud or suspicious behavior.
- Developed processes and procedures for improved AML and KYC compliance operations.
- Analyzed financial statements and credit histories of loan applicants to determine eligibility.
- Assessed customer needs and recommended appropriate loan products and services.
- Reviewed existing loans for possible refinancing or modification options.
- Adhered to the bank's policies on lending practices while making decisions regarding loan approval or denial.
- Provided customer service to bank customers, addressing questions and concerns in a professional manner.
- Responded to customer inquiries via phone, email, and in-person transactions.
- Verified customer identification information with the applicable documents according to bank policies.
- Trained new employees on operational procedures related to customer service activities.
- Maintained current knowledge of bank products and services offered at branch location.
- Identified opportunities to cross-sell additional products or services based on customer needs.
Senior Branch Manager
DCB Bank
Panchkula
08.2022 - 01.2023
- As the Branch Manager at DCB Bank in India from August 2022 to January 2023, I was responsible for overseeing all operations and staff within the branch
- My main focus was on driving sales, managing customer relationships, and ensuring efficient and effective branch operations
- Through my leadership and strategic decision-making, I was able to achieve significant growth and success for the branch.
- Reviewed customer documents and information to ensure compliance with KYC regulations.
- Verified customer identity using public records, financial databases, and other resources.
- Updated client profiles with relevant KYC information.
- Provided customer service to bank customers, addressing questions and concerns in a professional manner.
- Verified customer identification information with the applicable documents according to bank policies.
- Analyzed financial data and prepared reports outlining findings and recommendations.
Branch Manager
HDFC Bank LTD
Kurukshetra
08.2014 - 03.2022
- As the Branch Manager at HDFC Bank LTD, I have been responsible for overseeing the daily operations and performance of the branch
- My leadership skills, along with my in-depth knowledge of financial products and services, have enabled me to successfully manage a team of employees and consistently achieve branch targets.
Branch Sales Manager
ICICI Bank
Chandigarh
07.2012 - 08.2014
- As a Branch Sales Manager at ICICI Bank, I was responsible for overseeing the sales operations of the branch and driving business growth
- During my tenure, I successfully led my team to achieve sales targets and increase customer base through effective marketing strategies and relationship building.
Branch Manager
HDFC Bank LTD
Kurukshetra
02.2010 - 07.2012
- As the Branch Manager at HDFC Bank LTD, I have been responsible for overseeing the daily operations and performance of the branch
- My leadership skills, along with my in-depth knowledge of financial products and services, have enabled me to successfully manage a team of employees and consistently achieve branch targets.
Sales Manager
DLF Pramerica Life Insurance Co
Ambala Cantt
02.2010 - 07.2012
- As a Sales Manager at DLF Pramerica Life Insurance Co in India from 2010-02 to 2012-07, I led a team of sales professionals and successfully increased company revenue by implementing effective sales strategies
- I also collaborated with cross-functional teams to improve customer satisfaction and retention rates.
Assistant Sales Manager
Max new York life Insurance
Ambala Cantt
05.2008 - 02.2010
- As an Assistant Sales Manager at Max New York Life Insurance in India from 2008-2010, I gained valuable experience in sales and management within the insurance industry
- In this role, I was responsible for overseeing a team of sales agents and driving business growth through effective sales strategies and client relationships.
Education
MBA - Marketing Financial Services Operations
PTU University
Jallandhar 02-2010
Bachelor of Science (BS) -
Kurukshetra University
05.2002
Senior Secondary -
Haryana Board of School Education
03.1999
Secondary -
HBSE
03.1996
AML KYC Analysit -
Google
Skills
- AML/KYC Regulations
- Financial Services
- Documentation Review
- Problem Solving
- Time Management
- Customer Due Diligence (CDD)
- Regulatory Compliance
- Process Improvement
- Communication Skills
- Interpersonal Skills
- Operations Management
- Sales management
- Staff Development
- Performance Reviews
- Coaching and Mentoring
- Product Training
- Cash Handling
- Risk Analysis
- Excellent work ethic
- Risk Assessment
Websites
Personal Information
- Place of Birth: Ambala Cantt
- Date of Birth: 02/16/82
- Nationality: American
Languages
- English
- Hindi
- Punjabi
Hobbies and Interests
- Traveling
- Reading
- Always improve skills try to upgrade my self as per Current senerio
Accomplishments
- i got 1st place in my cluster in insurance ,
- i received best Manager Award for ZERO attrition
- i received award in Audit decreasing level
Timeline
Senior Branch Manager
HDFC Bank LTD
02.2023 - Current
Senior Branch Manager
DCB Bank
08.2022 - 01.2023
Branch Manager
HDFC Bank LTD
08.2014 - 03.2022
Branch Sales Manager
ICICI Bank
07.2012 - 08.2014
Branch Manager
HDFC Bank LTD
02.2010 - 07.2012
Sales Manager
DLF Pramerica Life Insurance Co
02.2010 - 07.2012
Assistant Sales Manager
Max new York life Insurance
05.2008 - 02.2010
MBA - Marketing Financial Services Operations
PTU University
Bachelor of Science (BS) -
Kurukshetra University
Senior Secondary -
Haryana Board of School Education
Secondary -
HBSE
AML KYC Analysit -
Google
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