SHIWANI BHARDWAJ

● Supervised all banking operations.
● Developed efficient training procedures.
● Ensured that all client account information was kept confidential.
● Handling Legal notice , RISK & COMPLIANCE as per bank process on time revert to authority .
● Evaluated computer banking systems and databases.
● Courteously responded to customer inquires.
● Addressed customer account issues.

● Performed quarterly internal audits.

● Maintained database of all banking transactions.

● KYC / AML proper as per bank compliance .

● Fraud Transactions handling as per customer profile .

• Ensured that all branch personnel were trained and motivated to attain high quality customer service standards and profit goals through proactive sales.
• Ensured that all regulatory compliance and operation standards were met by conducting periodic audits.
• Created and implemented bank operations training modules for branch staff to improve performance and reduce risk and errors.
• Responsible for controlling the branch's operational and administrative expenses.

• Authorizing opening and processing of FDRs, DD/PO, RTGS, NEFT, Accounts and Cash transactions and Ensure processing of the same as per the process.
• Ensuring the timely delivery of Fixed Deposits Receipts, ATM Cards, Cheque Books, Net Banking passwords, etc.
• Monitoring suspense accounts, deferred accounts, accounts payable/ receivable and ensuring TAT for timely movement of funds. Reviewing EOD reports (BJR / Instruments issued/ EOD cash position etc.)
• Implementation of processes in the branch, conducting internal audit in coordination with Branch.
• Handling & monitoring all Retail Branch operations.
• Ensuring highest service standards are maintained for servicing of clients with minimum turn-around-time.
• Handling products cross-sell along-with generating references from the customers for various products, thereby enhancing relationship with existing customers.