Summary
Overview
Work History
Education
Skills
Accomplishments
Timeline
BusinessAnalyst

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

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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

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