VARGHESE JOSE
Chennai
Summary
Work in teams to gain expertise through knowledge sharing and continuous learning while ensuring to be innovative, effective and cooperative.
15+ years of experience in various general banking fields such as Customer Servicing, Retail Banking Loan Collection, Customer Activity Monitoring Program [UK HSBC Customers], Account Servicing, Quality assurance, CDD for Banking Operations and Banking operations Process Development, Demonstrated good judgement under tight deadlines within a dynamically changing, highly regulated environment, while equally demonstrating tact and diplomacy in completing work activities by demonstrating sensitivity to client concerns and interests.
Overview
19
19
years of professional experience
Work History
Senior Manager/Project Manager - (Retail & Business Banking)
STANDARD CHARTERED GBS
Chennai
05.2023 - Current
- Preparation of process notes / procedures for streamlining the banking operations as per the guidelines of the organization such as Global Process Standards, Global Process Instructions and Control Registers
- Conceptualize processes, identify key risks, suggest controls, and issue operating guidelines to all stake holders
- Ensure process and system design align to Regulatory Requirements, Group Requirements and Local Laws of the Country and relevant Control Standards and to enhance Client experience
- Periodically reviewing changes to procedures required because of new initiatives, new products or regulatory amendments and design and issue new procedures
- Understanding solution/design and interfaces across Core Banking, Transaction Process systems, Servicing Channels, and other relevant interfaces that participate in the impacted processes in Retail Bank’s Process Universe
- Scheduling and participation in meeting with various stake holders in Countries for review of existing process and amendment / enhancement of new process etc
- Recommend operational improvements and changes which can be consistently and cost-effectively deployed
- Identify, understand, and evaluate the processes and information technology changes required to introduce the recommendations
- Produce clear and complete written documentation to support the work, report on the findings and present to stakeholders.
Manager - (Retail Banking)
STANDARD CHARTERED GBS
09.2019 - 05.2023
- Manage and part of a team that conduct adverse media, sanctions search on periodic basis for Private banking customers
- Review the positive results escalations for the sensitive clients and creating escalation to business partners on the same
- Work closely with the business partners for ensuring seamless account opening and periodic review
- Contribute to the implementation and controls for daily process and assist with updates of the policies and procedures
- Conduct the service review meetings with business partners/stake holders in monthly basis
- Review SLA and SOP for the assigned activities and liaise with business partners on periodic basis for the review
- Promote the spirit of continuous improvement by flagging any procedural issues that impact delivery of responsibilities.
Case Manager - (Commercial Banking)
HSBC LTD
05.2016 - 09.2019
- To coordinate the client on-boarding/KYC Remediation cases from initiation to the point the client account is opened and HSBC Net channel access has been provided
- Liaise with the client to gather detailed client information and supporting documentation required to complete the CDD profile including Financial Crime Risk Review and Know Your Customer details
- Ensure Customer Turn Around Time are agreed and associated SLA’s are visible and managed with all involved parties
- Actively participate in the development and refinement of the internal control/process environment to optimize the customer service proposition whilst maintaining the above.
Assistant Manager (Quality Assurance)
HSBC DATA PROCESSING INDIA PVT LTD
03.2014 - 05.2016
- Handled a team that ensure independent checks are performed to provide assurance to the Service Delivery Management and Lines of Business that the activities performed in the department meet the expected standards and are in line with Group guidelines and country specific regulatory requirements and other mandatory requirements.
Account Servicing Financial –Banking Operations
HSBC DATA PROCESSING INDIA PVT LTD
03.2013 - 02.2014
- Accomplishing General banking process such as Reversal of charges, Charge recovery, Unclaimed /Dormant Reactivation, Unclaimed Cashier Order reissuance /recrediting.
Compliance Operations for UK HSBC Accounts
HSBC DATA PROCESSING INDIA PVT LTD
08.2011 - 03.2013
- Analyze, Review, Monitor and disseminating information of UK HSBC Accounts activity on monthly basis to identify and mitigate regulatory risks such as Money Laundering, Terrorist Financing, Sanction violation, Violation of trading policies by reviewing suspect transactions and subsequently prepare and submit STRs as applicable.
Debt Management Officer
HSBC DATA PROCESSING INDIA PVT LTD
03.2007 - 08.2011
- To collect the Personal loan and Home loan (1st Bucket) overdue payment from customer through telephonic conversation and report the non-recovered accounts to the business.
Customer Relation Officer
OPTIMUS GLOBAL SERVICES INDIA PVT LTD
09.2005 - 03.2007
- To collect the Personal loan and Home loan (1st Bucket) overdue payment from customer through telephonic conversation and report the non-recovered accounts to the business.
Education
Bachelor of Science - Physics
St Aloysius College
Allapuzha06-2002
Skills
- Customer Servicing
- Retail Banking Loan Collection
- Customer Activity Monitoring Program
- Account Servicing
- Quality assurance
- CDD
- Banking Operations
- Cross-functional team leadership
- Tight deadlines management
- Regulatory compliance
- Project Management
- Process Development
- AML Monitoring , STR Filing
- Interpersonal Relations
- Effective Communication
- Idea Development and Brainstorming
Personal Information
- Father's Name: Jose KS
- Date of Birth: 07/17/81
Languages
English, Malayalam, Tamil, and Hindi
Disclaimer
I hereby declare that the information furnished above is true up to my knowledge.
Accomplishments
- Awarded as best middle office case manager in Commercial banking & Business Banking in consecutive years
- Identified several gaps regards to risk while designing process for AME markets
- Part of several digitization initiatives which are currently manual in nature
- Experience in setting up new team for Banking operations
Languages
Malayalam
First Language
English
Proficient (C2)
C2
Tamil
Advanced (C1)
C1
Hindi
Intermediate (B1)
B1
Timeline
Senior Manager/Project Manager - (Retail & Business Banking)
STANDARD CHARTERED GBS
05.2023 - Current
Manager - (Retail Banking)
STANDARD CHARTERED GBS
09.2019 - 05.2023
Case Manager - (Commercial Banking)
HSBC LTD
05.2016 - 09.2019
Assistant Manager (Quality Assurance)
HSBC DATA PROCESSING INDIA PVT LTD
03.2014 - 05.2016
Account Servicing Financial –Banking Operations
HSBC DATA PROCESSING INDIA PVT LTD
03.2013 - 02.2014
Compliance Operations for UK HSBC Accounts
HSBC DATA PROCESSING INDIA PVT LTD
08.2011 - 03.2013
Debt Management Officer
HSBC DATA PROCESSING INDIA PVT LTD
03.2007 - 08.2011
Customer Relation Officer
OPTIMUS GLOBAL SERVICES INDIA PVT LTD
09.2005 - 03.2007
Bachelor of Science - Physics
St Aloysius College