Summary

I have total * years of work experience in banking and financial firm. Worked as Deputy Manager in HDFC Bank and Senior Compliance Executive in Unicon Investment Solutions

Education

Degree

College/University

Year of Passing

Post Graduate Diploma in Business Management)

Centre For Management Development

(Post Graduate Diploma in Business Management equivalent to MBA)

2007 - 2009

Bachelor of Commerce

DSB Campus, Kumaun University (Nainital)

2002- 2005

12th

(C.B.S.E) Guru Teg Bahadur Public School, Haldwani

2002

10th

(C.B.S.E) Guru Teg Bahadur Public School, Haldwani

2000

Area of Specialization in MBA

Major : Finance

Minor : Human Resource

Finance

HR

Organization

Designation

Experience

HDFC BANK LTD

Deputy Manager

August 17, 2011 to June 27,2015

Roles and Responsibilities in HDFC Bank

Analysis of transactional information to identify risk, trends and potential wary activity.

Effectively conducted AML /KYC formality reports on questionable accounts and transactions.

Perform monthly monitoring on high risk clients and accounts to ensure management and

compliance are away of unusual activity.

Reviewed all required AML/ KYC Regulatory requirements for all clients and analyzing any

transactions that appear unusual based on the customers profile

Worked with Senior Managers, Lines of Businesses & other departments to ensure ongoing

compliance with AML Standards & regulatory requirements

Responsible for Enhanced Due diligence reviews of Branch Banking customer

Build and maintain positive and productive working relationships internally and externally.

Performed appropriate and confidential handling of sensitive information

Handle multiple priorities and deadlines concerning review of high risk clients.

Monitoring "Know Your Customer", cross-border wire transfers and currency activity, etc.

Handling Cash and customer transactions.

Managing vault limits and custodian.

Reconcile all suspense accounts and maintenance of register.

Register updation on end of day cash position, instruments issued etc

Handling Non Cash transactions like - DD/MC and Fund transfer etc

High attention to detail, accuracy as well as customer service orientation quality

Monitor daily operations to ensure a free flow process, and also supervise the execution of

daily tasks

Sales

Ensure tellers generate leads for liability products/Third party products/ Credit cards.

Penetration for Savings Account for non Liability customers

Acquire Affluent retail customers, deepen existing customer relationships and cross –sell

third party and bank products through superior Relationship management skills

Customer Services

Branch Administration and Lobby Management

Recording and resolving complaints.

Preventive complaint management.

Promoting all direct banking channels and ensuring customer is utilizing the same.

Operations

Online authorization of cash/transfer transactions and issue of DD/MC.

Vault custodian.

Identification and closure of TOD accounts on regular intervals.

Identification and closure of High Cheque Return Customer beyond the threshold.

Reduction or closure of High Transacting customers.

Migrating customers to RTGS/NEFT.

Monitoring the transactions of new opened accounts.

Handling Western Union payments.

Monitoring, Reporting and Maintenance

Teller counters supervision/Cash management/ liaisoning with currency chest.

Salary uploads supervision.

FX transaction authorizations/supervision and reporting.

Indent for Security stationery at appropriate reorder level.

Checking monitoring of EOD reports (BJR, Instruments issued/EOD cash positions)

Monitoring of deferred accounts, suspense accounts, dummy accounts, accounts recei

vables/payables, Reconciliation and maintenance of suspense account register.

Reporting of fortnightly Suspense, suspect, TOD and QRS reports.

Reporting of large transaction reports.

Bulk stock maintenance register.

Timely reporting of FX to local tag/Treasury mid office in cutoff time.

Maintenance of Cash shortage/excess register/register for host entry posting GL209/Voucher

maintenance register.

Periodic exchange of keys with other branch.

CBDT schedules reporting to TBG.

Recording of SYS password and timely monitoring of same.

Staff Management

Ensure tellers are trained on products as well as processes and are sent to classroom training

on regular basis.

Training of new hires on systems, processes and procedures.

Monitoring staff productivity and give guidance to improve the same in conjunction with BM.

Delegate tasks to members of the operations team.

Create a strong team by developing competent individuals in the banking operations team

SAP Skills

Financial Accounting:

Creation of G/L Masters, defining account group, House banks and Maintaining Field Status

Variant and Posting Keys

Defining Fiscal year variant, Posting periods, Tolerance groups, Document types and number

ranges

Settings for foreign currency valuation.

Creation of Customer/Vendor Accounts Groups, Number Ranges, and Customer/ Vendor Mas

ters Creation

Advance payments/down payments

Configuring Automatic Payment Program and Dunning for Vendors/Customers

Configuring Input/Output Tax

Configuring Cash discount received and allowed

Asset Accounting:

Configuring Chart of Depreciation, Depreciation Areas and Depreciation Keys

Creation of Asset Classes, creating screen layout and creation of Main Asset Master Record

asset Number Ranges and Account Determination

Assigning GL Accounts, specifying intervals and posting rules

Defining Tax codes for Sales and Purchases and Multi-Level Method

Controlling:

Maintain Controlling Area, defining number ranges for controlling documents and maintaining

versions.

Creation of Cost Centers and Definition of Cost Centre Hierarchy

Creation of Internal Orders and maintaining number ranges for orders

Creation of Dummy profit Center

Setting control parameters for Actual Data, maintaining plan versions, defining number ranges

for local documents

Creation of profit Center, dummy profit center and profit center Group

Organization

Designation

Experience

Unicon Investment Solutions

Senior Compliance Executive (Legal and Compliance Dept.)

11 May 2009 to 9 August 2011

Roles and Responsibilities in Unicon Investment Solutions

Managing onboarding process of Sub Brokers.

Handling Sub Broker KYC and process it in the exchange.

Follow up with branches/sub-brokers for discrepancies

Preparing the data for the inspection which is conducted by relevant exchanges.

Submitting the compliance documents and reports which are required

Upload CTCL User ID data on (ENIT - NSE) and User ID on NOW Terminal.

Upload IML User ID on Bolt terminal (BSE)making and uploading User ID file FTP for MCX

trading

Handling Investor Grievance Cell; replies to investors grievances.

Preparing MIS Report

Complying the work as per NSE, BSE, NCDEX and MCX Circulars.

Processing the request & preparation of the documents accordingly.

Maintaining branch wise records of the details regarding the activation/de-activation of the ids.

Looking for Additional base Capital (Increase and Release) in all the exchanges when required.

Coordinating in giving Clearance to resigned employees

HR

Certifications

Financial Market NCFM Module.

Derivative Dealer NCFM Module.

International Exposure

Education tour to Thailand for 1 week in Polyplex Factory, world’s biggest Gems factory.

Extra – Curricular Activities

Participated in various cultural activities held at school & college.

Member of Finance Club Institute

Industrial visit to Maruti Udyog Ltd. (Gurgaon)

Computer Proficiency

Proficient in Ms-PowerPoint, Excel, Word & Internet

One year diploma from Aptech Computers.

Strengths

Developing and maintaining customer relationships & management.

Proactive, Self-Motivated & Goal Oriented.

Quick learner of Process & Procedures.

Strong Analytical and Logical strengths.

Motivating, Influencing and Convincing People.

Providing results with customer satisfaction.

Personal Details

Father’s Name : Mr. Gurveer Singh

Husband Name : Mr.Gurpinder Singh Sandhu

Hobbies : Travelling and listening music

Gender : Female

Marital Status : Married

Language Known : English, Hindi and Punjabi

Nationality : Indian

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