SOFIA SONY
Senior Analyst
Bengaluru,KA
Summary
Meticulous and highly accomplished professional with 7.0+ years in Retail Banking Operations.
- Domain Experience in KYC/AML Checks, Pre-Screening, Documentation, Due Diligence.
- Expertise in loan Operations inclined towards loss mitigation (Mortgage)
Overview
6
6
years of professional experience
Work History
Analyst - Quality Monitoring Defaults
First Source Solutions Ltd
Bangalore, Karnataka
08.2019 - Current
- Document Analysis :(Trial underwriting in Loss Mitigation) Performing due diligence on loan applications to ensure correctness and completeness
- Validation : Performing Document Validation for Trial Underwriters.
- Affirmation : Sending mail communications to the Financial Institutions to confirm receipt of required documentation.
- Exception Handling : Routing files consisting of Potential defects to the Evaluator for amendments.
- Verification : Verifying Complete Modification Packet file received from the Underwriting team.
- Order Management : Ordering Alternate documents that may be required per Investor Guidelines.
- Accounting : Reviewing the Income & Expenses calculated by the Trial Underwriters.
- Reporting & Governance : Running the Investor Waterfall for decision making.
- Documentation : Creating an Approval or Denial Summary along with applicable Borrower Letter Communication based on the review results.
- Calibration : Interaction with the clients on a weekly basis showcasing the Daily/Weekly performance trend.
- Performance Review : Monitoring employee performance on a regular basis to ensure compliance with Procedures/Processes.
- Coaching and Feedback : Conducting team huddles and refresher trainings.
- Training and Development : Conducting New Hire Training
- Audit : Responsible for regular auditing on compliance metrics.
- RCA/Process Improvement - Performing Root Cause Analysis on identified defects to improve SLA & process performance.
Lead
Concentrix Daksh Services India Pvt Ltd
Bangalore, Karnataka
02.2015 - 08.2019
- Conducted Pre-screening on B2B and B2C applications as per the prescribed Bank policies and procedures ( Passport, Visa, Emirates ID, Pay slips, Salary Certificate, Bank Statements, Trade License, POA etc.,).
- Escalated Pre-Screening discrepancies.
- Conducted Central Bank, AML and Em Credit checks.
- Performed Em Credit searches on real time reports to match delinquent customer’s history, police case, check bounce and reporting it to Fraud Management team.
- Analyzed possible matches in Anti Money Laundering (AML) and receiving confirmation from Group Compliance team along with scrutinizing KYC documents of credit applicants on a regular basis.
- Performing Due diligence on customers with Low, Medium and High Risk profile pre-Onboarding.
- Conducted due diligence on Foreign Political Exposed Person (FPEP), Key Controllers and their holdings in the client.
- Conducted DEDUPE search to match the customer details with external and internal data base of listed and non-listed companies and uploading Dedupe Sheet without any error.
- Maintained 100% detection of fraudulent applications at any level of verification (Pre-screening, CB or CPV) and highlighting fraudulent cases to FMU Dept.
- Monitored and Approved Easy Cash, Balance Transfer, Equated payment plan (EPP) and Full Balance Conversion (FBC) call requests on a daily basis.
- Monitored Credit Card Retention and Activation calls.
- Validated Card Cancellation, Renewal and Replacement request and moving it to the operations team.
- Helped in achieving the Pre-Defined target of 1 Million per month by coaching associates via observation, feedback, and mentoring.
Education
B.B.M -
M N Degree College, Bangalore University
Pre University - Commerce
M S Ramaiah College, Bangalore University
MEBA - undefined
S.S.L.C - undefined
Sharon School, Bangalore University
Skills
Team leadership and coaching
Collaborative team work
Analytical skills
Computer proficiency
Employee training
MS Office
Online training experience
Data organization
Customer service
Training & Development
Flexible & Adaptable
Collaboration
Process improvements
Coaching and mentoring
Accomplishments
- Awarded as "Operational Excellence" for the year 2018 from Concentrix Daksh Services India Pvt. Ltd.
Timeline
Analyst - Quality Monitoring Defaults
First Source Solutions Ltd
08.2019 - Current
Lead
Concentrix Daksh Services India Pvt Ltd
02.2015 - 08.2019
S.S.L.C - undefined
Sharon School, Bangalore University
MEBA - undefined
Pre University - Commerce
M S Ramaiah College, Bangalore University
B.B.M -
M N Degree College, Bangalore University