Oracle Flexcube, Finacle
VAIBHAV VERMA
Retail Banking
Summary
Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Results-driven experienced in financial statement review, auditing and reporting. Well-versed in producing reports, evaluating department operations customer KYC and AML suspicious transaction reporting and handling month- and year-end closings. Meticulous, conscientious and methodical in approach. Top-notch Relationship Banker with solid background in banking and finance. Effective at building positive relationships with clients, achieving sales goals and providing excellent customer service. Strong communication and interpersonal skills committed to making customers understand financial needs, goals and options.
Overview
7
7
years of professional experience
5
5
years of post-secondary education
4
4
Certifications
Work History
Senior Branch Relationship Manager
Kotak Mahindra Bank Ltd
02.2023 - Current
- To enhance the existing relationship with HNI customers by analyzing his/her needs.
- Acquisition of New HNI Clients & Portfolio management of all the HNI customers.
- Conducted KYC formality reports on questionable accounts and transactions. Adjusted end-to-end KYC process needs to align with workforce capabilities. Analyzed and investigated clients to conduct detailed customer due diligence and enhanced due diligence review by AQB, AMB, Large transaction.
- Enhancement of the relationship by cross-selling products and services as per the profile & need's the customers along meanwhile, deepening the size of the relationship.
- Achieve goals for sale of bank products and services and exceed performance metrics for customer service. Generated new business and referral clients in partnership with financial advisors and branch team.
Personal Banker
HDFC BANK LTD
10.2021 - 01.2023
- Worked closely with management to strategize sales techniques to increase branch production and customer service.
- Networked to increase client base and encourage existing clients to expand financial portfolios.
- Answered customer questions and explained available services such as deposit accounts, bonds, and securities.
- Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
- Reviewed financial documents, pointing out and correcting financial errors in cash deposits LTR and AML alerts.
- Identified and implemented effective methods for examining and analyzing financial documents.
Welcome Desk & Teller
HDFC Bank Ltd
09.2018 - 09.2021
- Managing the Branch's Operational and Hygiene Parameters Operational risk monitoring investigating customers Large Transactions, Transaction patterns and AML alerts.
- Processing all the financial and non financial transactions for the customer along with handling the responsibility of Cash and Deliverables Management Custodian.
- Identified threats, vulnerabilities and suspicious behavior patterns to recommend mitigation measures.
- Recommended new ways and enhancements to improve fraud detection, prevention and reporting efforts. Identified and implemented effective methods for examining and analyzing financial documents.
- Cross sell products & services to walk-in customers to deepen relationships such as Account, Retail Assets, Overdraft etc
Senior Executive Business Delievery
IndiaMART InterMESH Ltd
02.2017 - 09.2018
- Handled the client base of 275 small/medium enterprises.
- Helping Clients to update their website as per their requirements and the products to be highlighted primarily on their business website. Providing them the leads from all over India in their generate of business.
- Getting Renewals of their packages and telling them to upgrade the packages as that will improvise their listing on the platform as compared to their competitors.
- Met with existing customers and prospects to discuss business needs and recommend optimal solutions.
ASSOCIATE SALES CONSULTANT
POLICY BAZAAR
06.2016 - 09.2017
- Created professional sales presentations and seminars to effectively demonstrate product features and competitive advantages.
- Retained excellent client satisfaction ratings through outstanding service delivery.
- Met the existing customers and prospects to discuss business needs and recommend optimal solutions.
Education
B.Com (H) -
P.G.D.A.V College
Delhi University 07.2011 - 08.2014
MBA - Accounting And Finance
Sikkim Manipal University
06.2015 - 06.2017
Skills
Risk Management Skills
Certification
AML Standards and KYC Norms for Banking and Insurance
Additional Information
- Disbursed Retail Asset business of 2.15 Cr & Wholesale Asset business of 3Cr in FY(2021-22).
- Received “Certificate of Appreciation” for Contributing highest in the Branch in Life Insurance and Gold Loan in FY (2020-21).
- Qualified all the Star Excellence Award consecutively every month. Received “Certificate of Appreciation” for a stellar performance in General Insurance Business for the month of March'19 from BBH.
- Resiliency Risk Awareness & Suspicious Activity Report Training.
- Received Appreciation for “Highest LC in Service to Sales Category” for February 2019.
Software
CRM
E call back
DMS Vops, CSP
LTR
Timeline
AML Standards and KYC Norms for Banking and Insurance
03-2023
Senior Branch Relationship Manager
Kotak Mahindra Bank Ltd
02.2023 - Current
KYC AML Standards (HDFC)
04-2022
Personal Banker
HDFC BANK LTD
10.2021 - 01.2023
AMFHI
02-2020
IRDA
05-2019
Welcome Desk & Teller
HDFC Bank Ltd
09.2018 - 09.2021
Senior Executive Business Delievery
IndiaMART InterMESH Ltd
02.2017 - 09.2018
ASSOCIATE SALES CONSULTANT
POLICY BAZAAR
06.2016 - 09.2017
MBA - Accounting And Finance
Sikkim Manipal University
06.2015 - 06.2017
B.Com (H) -
P.G.D.A.V College
07.2011 - 08.2014
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