FINACLE
Vishwanath Muralitharan
Banking
Madurai,TN
Work Preference
Summary
Manager with experience leading branch banking sales & operations, foreign exchange sales & operations, service delivery, and RBI, FEMA, AML, and KYC compliance across retail, corporate, and wholesale banking & forex environments. Coordinates audits, operational controls, and regulatory documentation while guiding teams and resolving service issues. Supports business growth through customer onboarding, cross-functional coordination, and disciplined day-to-day execution.
Overview
2
2
Languages
11
11
years of professional experience
Work History
Manager
THOMAS COOK INDIA LTD.
06.2022 - 07.2025
- Progressed through managerial responsibilities covering Branch Sales & Operations, Service Delivery, Audit, Compliance and Team Management across Retail, Corporate and Wholesale Foreign Exchange operations.
- Managed branch sales & operations to enhance business performance, optimize customer service, and strengthen operational controls.
- Conducted operational risk assessments and supported strengthening of internal control mechanisms.
- Identified and resolved audit observations and operational deviations in a timely manner to ensure compliance.
- Managed and guided team members to ensure smooth day-to-day operations and service delivery.
- Coordinated operational reporting and issue resolution with internal stakeholders and management to facilitate informed decision-making.
- Supported corporate and retail customer onboarding while ensuring appropriate documentation and AML & KYC compliance checks.
- Contributed towards business growth through customer service, operational efficiency and sales support.
- Ensured consistent operational readiness and adherence to organizational policies and procedures.
Deputy Manager
DCB BANK LTD.
05.2021 - 06.2022
- Managed branch-level customer service and banking operations.
- Addressed CASA and deposit-related customer requirements to enhance customer satisfaction.
- Supported acquisition and servicing of banking customers.
- Facilitated cross-selling of insurance and other third-party products to increase revenue streams.
- Handled CASA and deposit-related customer requirements.
- Coordinated with internal teams for timely resolution of customer and operational issues.
- Performed AML & KYC verification and documentation checks.
- Ensured adherence to internal policies and banking compliance requirements.
- Collaborated with internal teams to resolve customer and operational issues efficiently.
Assistant Manager (Branch Manager)
ICICI BANK LTD.
03.2020 - 04.2021
- Oversaw branch banking sales & operations, enhancing overall branch performance.
- Managed business targets across Assets and Liabilities.
- Supported CASA mobilization and customer acquisition initiatives.
- Supervised day-to-day branch activities and customer service delivery.
- Coordinated branch operations, customer servicing and internal stakeholders.
- Coordinated branch operations and customer service, aligning internal stakeholders for efficiency.
- Maintained focus on operational controls, audit requirements and compliance.
- Facilitated cross-selling of banking and financial products, contributing to revenue growth.
- Contributed towards achieving branch business and operational objectives.
Deputy Manager
HDFC BANK LTD.
12.2018 - 10.2019
- Managed portfolio of retail and high-value banking customers, ensuring tailored service and satisfaction.
- Developed customer relationships to identify and fulfill financial product needs.
- Cross-sold banking products including Loans, Insurance and Mutual Funds.
- Ensured appropriate AML & KYC documentation and regulatory compliance.
- Supported customer retention and drove portfolio growth through strategic engagement.
- Worked towards business, acquisition and cross-selling targets.
- Coordinated with internal product and operations teams for customer servicing.
Senior Officer
ICICI BANK LTD.
04.2014 - 11.2018
- Managed branch banking operations and enhanced customer service experiences.
- Managed account servicing and routine banking transactions.
- Performed AML & KYC verification and documentation checks.
- Ensured adherence to internal banking procedures and operational controls.
- Assisted in branch audit and ensured compliance with regulatory standards.
- Collaborated with customers and internal teams to resolve issues efficiently.
- Maintained accurate documentation and records.
- Gained extensive experience in retail banking operations and customer servicing.
Education
MBA - Marketing
Madurai Kamaraj University
Madurai, India 04.2001 -
PGDBO - Banking And Finance
IFBI
Madurai, India 04.2001 -
Bachelor of Science - Computer Science
Vivekananda College
Madurai 04.2001 -
Skills
Branch banking operations
Foreign exchange operations & Service delivery
Regulatory audit & compliance
KYC / AML / CFT compliance
Sales & Operations reporting & MIS
Customer relationship management
Branch & team management
Cross-selling & third-party products
Customer acquisition & portfolio management
Business development & target management
Accomplishments
- Built 11+ years of progressive experience across Banking & Forex, Branch Sales & Operations and Financial Services.
- Successfully handled responsibilities at Senior Officer, Assistant Manager, Branch Manager, Deputy Manager and Manager levels.
- Maintained strong focus on audit readiness, operational controls and AML & KYC compliance documentation.
- Developed extensive exposure to Retail Banking, CASA, Deposits, Customer Relationship Management and Branch Sales & Operations.
- Successfully managed teams, sales & operational responsibilities in banking and financial services environments.
- Strengthened professional expertise in RBI/FEMA regulations, KYC/AML compliance and risk management.
- Successfully managed multi-segment operations involving Retail, Corporate and Wholesale Forex customers.
- Demonstrated ability to balance business growth, customer service, compliance and operational efficiency.
Timeline
Manager
THOMAS COOK INDIA LTD.
06.2022 - 07.2025
Deputy Manager
DCB BANK LTD.
05.2021 - 06.2022
Assistant Manager (Branch Manager)
ICICI BANK LTD.
03.2020 - 04.2021
Deputy Manager
HDFC BANK LTD.
12.2018 - 10.2019
Senior Officer
ICICI BANK LTD.
04.2014 - 11.2018
MBA - Marketing
Madurai Kamaraj University
04.2001 -
PGDBO - Banking And Finance
IFBI
04.2001 -
Bachelor of Science - Computer Science
Vivekananda College
04.2001 -
DECLARATION
I hereby declare that the information provided above is true and correct to the best of my knowledge and belief.
- VISHWANATH MURALITHARAN
Software
FLEXCUBE
MS EXCEL
MS POWERPOINT
Personal Information
- Date of Birth: 13-06-1991
- Nationality: Indian
- Marital Status: Single
Languages
English
Advanced (C1)
Tamil
Bilingual or Proficient (C2)