SUSHMITHA
Banking Finance & Admin
Dubai
Summary
Resourceful Banking professional, well versed in the workings of the financial market and customer care to successfully manage a portfolio of consisting of high incomes clients. Seeking a challenging position at a reputable institution that allows for further career growth
Overview
8
8
years of professional experience
9
9
years of post-secondary education
1
1
Certification
Work History
OPERATIONS EXECUTIVE- WPS/PAYROLL CARD & DIGITAL CHANNEL
ALANSARI EXCHANGE
4 2023 - Current
- Interacting with WPS customer for the purpose of salary disbursal assisting WPS customers seeking WPS services- Registration & process flow
- Corporate onboarding and verification, checking the corporate documents & conducting a risk assessment
- Support to ensure appropriate policies, procedures systems are developed, established & implemented across the company & client to monitor the daily operations for compliance with AML/ CFT law & the company policies, procedures, system & controls & any other applicable law
- Transfer of funds between accounts held with central bank, facilitating funding for the processing salary files
- Drive digitalization strategy by actively preparing customers to be digitally equipped by using digital channel & online application Monitoring due diligence conducted and reporting of AML risks to the relevant stakeholders as well as ensuring that appropriate remedial action is taken
- Provision of statements of accounts held with central bank for accounting & reconciliation purposes Provision of unclaimed PAF reports, incoming FTS fund transfers & funding reversals
- Ensuring timely responses to all customer requests & queries- handling & escalating of complaints.
DEPUTY MANAGER- OPERATIONS IN RETAIL AND WHOLESALE BANKING
INDUSIND BANK LTD
09.2022 - 01.2023
- Branch administration: Supervise & monitor Personal Banker desks and contract sales staff, Lobby Management, Quality Service Assurance, and Timely Resolution of Queries
- Branch Operations and Audit Compliance, Reconciliation and maintenance of suspense Accounts register as per the required format advised by RBI
- Ensure the business is administered in an efficient, controlled, risk-free & timely manner
- Review daily branch account opening/maintenances outstanding cases & regularize the same & Verifying the KYC documents of SA & CA customer during account opening
- Responsible for Cash and Customer transactions at all counters, Cost Management and staff Productivity
- Supervising all Non-Cash transactions at branch level
- Coordination: Ensuring the SOP maintained at all Business segments and Business Partners
- Reconciliation of their reports with central MIS
- Publishing the interim reports.
ASSISTANT MANAGER - SERVICE DESK MANGER IN RBB
HDFC BANK LTD
05.2019 - 09.2022
- Managing the Cash and Audit
- Lobby Management
- Identifying the customer needs to capitalize on the business referral opportunities
- Cash and Audit Management on daily and annual basis
- Serve customers by managing documents, information, and financial transactions successfully and in an organized, efficient, and secure manner
- Manage transaction process from initial engagement through financial close, including deal structure, internal approval/compliance processes and documentation
- Follow the bank processes for verification of documents, retention, processing instructions, servicing the clients & resolution of complaints &queries
- Daily team huddles for team works and performance evaluation to foster teamwork
- Process and settlement of financial transaction
- Identifying the deposit, cheque & ATM/Debit card fraud using automation & monitoring the programs Assist with the overall day to day branch operations
- Cross selling banking products and services.
SENIOR OFFICER - CASH, AUDIT AND OPERATION / SALES IN RBB
ICICI BANK LTD
12.2016 - 01.2019
- Handling locker customer and inward & outward clearing
- Managing the Cash and Audit
- Lobby Management
- Vault handling cash inflows
- Identifying the customer needs to capitalize on the business referral opportunities
- Cross selling banking product to customer like MF, FD, Inssurance, SA& CA
- Supervising all forex transactions & handling vendor bill payments & branch inventory like Debit/ Credit /Travel /Gift cards, cheque book & welcome kit
- Resolution of loan queries & supervising all non-cash transactions like DD/MC, fund transfer, NEFT/RTGS
- Customer service, selling third party products and loan products and servicing the group of customers allocated
- Portfolio management Assist the Relationship Manager in managing a high quality portfolio of corporate clients.
Education
B. Com -
Vijaya College
Mangalore, India 01.2013 - 04.2016
II PUC - undefined
Vijaya College
Mangalore, India 01.2011 - 04.2013
SSLC - undefined
CSI English Medium School
Mangalore, India 01.2008 - 04.2011
Skills
BANKING SYSTEM
Oracle
Finnone
Flexcube
Arex
Finacle
Crm
Omniflow
Ms office (excel, word, outlook, PowerPoint)
Certification
Post graduation diploma in banking operations & Anti Money laundering
City
Bur Dubai
State
Dubai
Rewardsrecognition
- Consistently scored 85% in Internal and External Bank Audit as an Operation Executive.
- Star service excellence award in 2022 from HDFC BANK
Areaexpertise
- Financial Software handling: Oracle, Flex cube, Finn one
- Deliverables and Inventory Management
- Cash and Audit Management
- Electronic Branch Operations and Maintenance
- Audit and Compliance, Records Maintenance
- Service Request management and Critical Service rejections handling
- Lobby Management
- Complaint Handling
- Sales and cross sales
- Branch operations & Quality control
Expertiselanguages
- English
- Hindi
- Kannada
- Tulu
Street
Bank Street
Personal Information
- Date of Birth: 12/24/1995
- Nationality: Indian
- Marital Status: Single
Timeline
DEPUTY MANAGER- OPERATIONS IN RETAIL AND WHOLESALE BANKING
INDUSIND BANK LTD
09.2022 - 01.2023
ASSISTANT MANAGER - SERVICE DESK MANGER IN RBB
HDFC BANK LTD
05.2019 - 09.2022
SENIOR OFFICER - CASH, AUDIT AND OPERATION / SALES IN RBB
ICICI BANK LTD
12.2016 - 01.2019
B. Com -
Vijaya College
01.2013 - 04.2016
II PUC - undefined
Vijaya College
01.2011 - 04.2013
SSLC - undefined
CSI English Medium School
01.2008 - 04.2011
OPERATIONS EXECUTIVE- WPS/PAYROLL CARD & DIGITAL CHANNEL
ALANSARI EXCHANGE
4 2023 - Current
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