Vyshak Vijayan

High Performance Personnel working as Part of Open Accounts/Advanced Payment/Collections Team.

SLA Management : Effectively monitoring the work queues and ensuring the requests are being moved in timely manner ensuring that all the work queues have been completed according to the target completion date.

Change Management : Preparing and briefing the team on the transition from WDM to HTS platform. Strategies for effecting change, controlling change and helping people to adapt to change in the working platform.

Training And Development : Conducting effective training and refresher session for existing and new employees. The continued efforts to boost the performance of team strengthen work performance through approaches like coaching and Training sessions.

Resource Management : Conducting team huddles on daily basis to analyze the work queues and implementing the best allocation of the resources complete a daily tasks ensuring business objectives are being met at everyday basis.

Reporting : Ensuring EOD reports have been sent to the management day to day basis ensuring that there are no pending requests for the day. also timely sending the status of the queue and the performance reports from time to time throughout the day.

Escalation management : Liaising with the onshore Ops team on the disputes and escalations on day-to-day basis and providing the best resolution

Other Responsibilities

• Identifying Discrepancies in documents and raising request to onshore team, RMs and BDMs to get all the discrepancies and queries sorted on time to avoid SLA breaches.

• Day to day management of a team activities including Team building, Conflict management, Process Improvement areas and Workflow management.

• Conducting Preliminary check for all the new approvers or L2 checker on their reviews

Part of Import Loans/Repayment/Collections Processing Team

• Processing of Import Loan and Import Collection requests including construction of MT202 and MT103 for accurate directing of funds

• Identifying financial crime concerns relating to shipments and carrying out effective negative news screening on the entities and vessels associated with the transactions. Carrying out thorough investigations and coming out with rationale for discounting or approving the transaction in case of false hits.

• Performing 1st Level Quality check on processed buyer loans and approving them adhering to the AML, sanctions, Banking policies, risks and criteria in place for customer based on KYC conducted.

• Identifying the red flags and risks associated with the shipment. Liaising with the onshore team to get timely resolution of queries associated with the shipments and docs provided

• Checking the movements of the associated vessels and containers by aid of online sources such as Seasearcher, Marine Traffic, Track Trace, Lloyd’s list intelligence/Sea Searcher in order to identify any sanction country exposure and validation of shipment docs provided by the customer.

• Thorough review of supporting docs associated with the shipment such as Import loan application, Invoices, Packing lists, Purchase orders, Pro-forma Invoices, Bill of lading, AWBs, CMRs, FCRs, Certificate of Origin, Insurance policy docs etc.… for any sanction exposures and red flags

• Identifying Discrepancies in documents and raising request to onshore team, RMs and BDMs to get all the discrepancies and queries sorted on time to avoid SLA breaches.

Engage existing clients in the collection of detailed client information and supporting documentation required for the completion of the CDD profile at all times in the customer lifecycle, including CDD trigger events and reviews as part of global standards. The role will ensure client expectations are set against defined Service

• Level Agreements (SLAs) and these SLA’s are visible & managed across all functions.

• Manage existing client CDD process’s to defined SLAs, ensuring any risks to the timescales are escalated to the Team Leader and Relationship Manager

• Identifying the PEPS, Negative News and Blacklisted entities associated with the organizational structure by use of tools like RDC, Lexus Nexus etc…

• Identifying and verifying the beneficial owners, Key controllers, signatories accordingly to regulatory requirements

• Validation of organizational charts/Ownership charts to determine the direct and indirect owners to the stake of the company according to the risk rating of the customer and calculation of ownership percentage of each stakeholder involved.

• Worked on Periodic and annual reviews on both existing and New to Bank customers.

• Thorough review of formation documents like memorandum of association, Certificate of incorporation, AOA, and updated organizational chart to carry on on-boarding or periodic reviews.

• Worked on KYC profiling of various structures such as Trusts, corporate, NGOs , Co-operatives, Government Undertakings Partnerships, and Sole Traders.

• Liaise with the client to gather detailed client information and supporting documentation required to complete the CDD profile including Financial Crime Risk Review (FCRR) and Know Your Customer (KYC) and EDD (Enhanced Due Diligence).

• Review and check for completeness of CDD information and supporting documentation before submitting the case to CDD Operations for review and approval.
  
• Act as a point of escalation for Service Delivery and escalate a case to the Relationship/Case Manager

Part of HR Recuitment/Onboarding Documentation Team

• Worked on Niche Analytical and Technical role Openings
• Reviewed human resources paperwork for accuracy and completeness.
• Orchestrated strategic recruitment approaches to engage talented and highly qualified candidates.
• Coordinated employment offers with management and extended offers to selected candidates.
• Proficient in Headhunting by portals like IIM Jobs and Linked In.
• Efficient and effective sourcing on Portals like Monster.com, Shine.com and Consulting.
• Worked for Non-IT and IT HR requirements for more than 20 Companies including BIG 4.
• Worked as an HR consultant for WNS for 6 months representing Recruise India.
• Coordinator for interviews in various Job Fairs/Walk-In Interviews held at Client’s premises

• Maintain a working knowledge of all current underwriting guidelines, federal and state
• Understanding credit report, fraud alerts, trade lines etc... and understanding of asset documentation, large deposits etc.
• Fraud verification and identifying red flagship.
• Reviewing personal/business returns with depth knowledge of various schedules etc.
• Reviewing paystubs/W2s/1099/SSA/pension, etc. and calculating income for qualification.
• Reviewing personal/business returns with in depth knowledge of various schedules, etc.
• Lending laws and has the ability to comprehensively explain all to others within and outside the organization.
• Interpret credit policy and investor guidelines and apply them to specific loans.
• Review accuracy and completeness of documents pertaining to Credit & Borrower Profile, Liabilities & Ratios, Employment & Income, Assets, Occupancy & Transaction Type
• Review re-verification documentation and third party vendor documents in the loan file.
• Review loan file for compliance with all agency guidelines and clients overlays.
• Standpoint on a daily basis and note any underwriting exceptions.
• Approving Trail modifications based on the borrower’s ability, desire, and will to pay

• Reviewing the Mortgage Documents and shipping the documents to the registry for Recording through ICAP and LIM.

• Effective Title Search through Netro Online and FISERV

• Examined land records and identified potential problems with title search results.