SUMOD M G

• Understanding and implementation of KYC standards, guidelines, policies and procedures.
• Handling and maintenance of confidential client documentation
  Collection and verification of confidential client data via publically available and internal sources.
• Understand the firm’s KYC requirements when completing documentation inclusive of Customer Identification Program (CIP), Minimum Due Diligence (MDD), Enhanced Due Diligence (EDD), Specialized Due Diligence(SPDD) and Product Due Diligence requirements (PDD).
• Compare and contrast differences within KYC records , highlight and escalate any discrepancies
• Review of client data/processes to meet firm wide quality standards
  Communicating/escalating issues to management when applicable.
• Ability to learn and communicate a new process to a team.
• Strongly engage with Middle office and be part of KYC/AML interactions to complete the case as per the timeline.
• Proactively identifies opportunities to refine a process and increase operational efficiencies.
• Exhibit the highest standards of customer service to our internal and external customers (inclusive of confidentiality).
• Be part of the holistic client review team to follow up on outstanding alignment items within various LOBs and/or GFCC to close loop on the alignment.
• Be flexible to work on other migration/remediation projects including Screening resolution , other LOB holistic alignment or Quality Assurance.
• Comment on trends/behavior relating to account due diligence and activity review.
• Ability to comprehend the KYC risk factors and draft the overall risk summary for the client.

“ESAF SFB is an Indian Small Finance Bank founded in 10 March 2017, providing Banking services and small loans to the underbanked. ESAF Started its operation as an NGO in 1992 as Evangelical Social Action Forum. Before becoming a bank, ESAF was a Non-Banking Finance Company and microfinance institution(NBFC-MFI) licensed by the Reserve Bank of India and Headquartered in Thrissur city of Kerala.”

Roles & Responsibilities

Took valuable Part in ESAF ESS Team which handles all back-end operations for the bank and the responsibilities includes,

• Customer Onboarding (SB, CD & CA) activities, which includes, Confirming KYC data requirements, Collecting relevant KYC Information, Verification of KYC documents.
• AML Score Calculation and rejecting the application in case the customer comes in high risk category.
• Negative News screening based on the traditional news & Medias.
• Debit card status updating based on customer requests.
• Modification of Account & Customer details as per the customer requirements
• Knowledge in NEFT & RTGS operations and Entry Postings to Different GL Accounts

In addition to this,

Active member of CTS Check Clearing team which handled the operations and the duties includes,

• Verification of images of Inward & Outward Check deposited through Check Deposit Machines on Image Check Clearing System(ICCS)
• Deletion of checks relating to third party, postdated, stale or checks without drawer’s signatures on daily basis
• Balancing & Reconciliation of the total number of images verified on ICCS against the physical checks received
• Identifying and Re-capturing images of checks which are either jammed, unsent or are hardware failures in CDM
• Reporting any technical issues concerning the Check Deposit Machines in case of Malfunction
• Trained newcomers to the team
• Entry posting to different GL Accounts & Preparation of respective vouchers
• Monitoring the amount reflecting in RBI Current Account & communicating with Treasury team in case of any discrepancies.
• Managing the distribution of funds from Sundry Accounts to different branches by doing bulk uploads
• MIS Report Generation & circulation of reports to branches & concerned authorities

Apart from that,

Took valuable part in Manual Testing of different Software (UAT) from 1st September 2016 to 16th March 2017).

• Positive & negative testing of Savings, Current, FD, & Loan Accounts scenarios.
• Inward and Outward clearing of Checks.
• Creation and modification of different Accounts and related information.
• Card Management Services.
• Testing of all Teller transactions like cash deposits, withdrawals, transfers, Demand Drafts, etc.
• Testing of Payment services like, IMPS, NEFT, RTGS etc.
• Creation of Dummy Accounts under different product categories. (SB/CA/FD/RD/LOANS).
• Testing of Financial and Non-Financial Transactions pertaining to daily Transactions of Bank.
• Prepared, sorted and distributed daily scanned and processed reports to appropriate branches.

KTC Automotive Company is extensively involved in the automobile dealership operations with various brands spreads across Kerala. The family has rich experience in the Automobile industry over 7 decades. Today the brand KTC is a popular name with Automobile industry.”

Job Profile

• Assign entries to proper accounts
• Prepare and verify daily reports, handle petty cash & maintain petty cashbook
• Assist in payroll services
• Reconciles statements in a timely manner
• Secures financial information by completing data base backups
• Interactions with customers to resolve their issues related with claims & other formalities
• Training for the new employees
• Report to management regarding the financial status of establishment.