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Banking, Accounts, Finance & Insurance

Dubai, Emirate of Dubai, United Arab Emirates
8000 AED
December 23, 2019

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PO BOX ****,Dubai, UAE.

Mobile: +971-**-*******.

Career Objectives:

To seek placement in a reputed, progressive organization that fully develops and utilizes leadership potential and optimizes personal and professional growth.

Work Experience:

1. Organization: RAK BANK, Dubai, UAE.

Date hired : February 2008.

Position : Cash Officer.

Main Responsibilities and Accountabilities:

Ensure all transactions and other routine processing is done as per laid down operating procedures and central bank guidelines and ensure due diligence is carried out with respect to money laundering and other regulatory requirements.

Manage branch and optimizes cash management to ensure operational efficiency.

Assist Branch Operations Manager by being the joint custodian of Vault, ATM/EDM with in order to manage the branch operations efficiently.

Checking of daily report and ensure no unauthorized excess in the branch customers account.

All daily and weekly excess reports are properly maintained with appropriate action.

Enquire on customer’s eligibility for advance against salary before granting application form signed by the customers.

Reconciles financial discrepancies by collecting and analyzing account information.

Secures financial information by completing database backups.

Maintains financial security by following internal controls.

Prepares payments by verifying documentation, and requesting disbursements.

Authorized to approve all transactions processed by the Tellers/Branch Operations Representative as per delegation matrix and ensure to obtain necessary approvals/sign offs for the transactions above the limit.

To jointly remove cheques from Drop box and ATMs for processing through CPC/CCDM and ICCS as per the process outlined in the operating procedures.

Authorize cheque images scanned by the staff through Image cheque clearing system and ensure all scanned cheques are cleared before cut off time.

Approve all internal and external transfers and end of day reconcile all queues are cleared and no pending items in suspense accounts.

To process special clearing cheques using UAEFTS as per the central bank guidelines.

Monitor errors on daily transactions and record in error log register and steps are to be taken for corrections. Monitor all transaction reports are cross checked by Tellers against the vouchers and sent for binding/safe keeping after sign offs by the tellers.

Ensure smooth functioning of Recyclers at the branch. Attend 24x7 any ATM/EDM issues/Police calls timely manner, Carryout control/healthy checks which are as per process & to ensure all logistics are available in the ATM lobby for customers to perform transactions using ATM/EDM.

Reconciliation/balancing of ATMs including replenishment, loading of cash and consumables with joint custodian on daily basis.

Perform call back for cash withdrawal and transfers by third parties exceeding the threshold limit..

Maintain awareness of the department’s business continuity plan and undertake appropriate training to ensure correct action is taken in the event of an incident or disruption.

Ensure business recovery plans and procedures are current and the staff is conversant of their response during any business disruption and all related preventive measures are in place.

Identifies and initiates improvements to work, customer service, quality of work processes and organizational matters in order to contribute to business efficiency goal.

Performs business tasks as required by line manager to support smooth operation of the department. Ensures adherence to bank policy, procedures, standards, reporting requirements and relevant regulatory and statutory requirements whilst complying with us staff code of conduct at all times and ensures that Banks positive image is presented to customers through excellent service as unparalleled quality.

Timely logging of complaints Internal/External as per documented guidelines. Ensures replies/responds to complaint unit received within turnaround Time.

Act as Business Recovery Coordinator of the branch assigned and carry out the responsibilities based on the instruction from the respective Unit.

2. Al Ghurair Exchange., Dubai. U.A.E.

Period : August 2004 to January 2008.

Position : Remittance Staff cum Cashier Incharge.

Monitor and update the movement of currency rates.

Buying and selling currencies/travelers cheque and other financial related activities.

Handling bulk transactions.

Sending money to all aspects of Bank Accounts transaction.(U.S, U.K, EUROPE, ASIA and AFRICA).

Western Union money transfer inward & outward remittances.

Coordinator Western Union up to settlement.

Coordinator National Bonds up to settlement.

Ability to deal with different Telegraphic transfer of all the tie-up Banks and Exchange co. globally.

Handling credit card payments.

Make sure that we follow the proper procedure regarding the anti money laundering laws.

Process, issuance, placements/replacements, cancellation as well maintain prescribed work files of

Drafts, TT and Travelers cheque.

Take all effective steps to maintain proper internal control over the transaction.

Ensures the volume of work produced meets or exceeds the Exchange’s product, service and quality


Develops and implements approved policies, procedures and standards.

Coordinate activities with other internal departments to meet customer needs.

3. Al Razouki International Exchange Co., Dubai, U.A.E.

Position: Accountant & General Clerk

Period: October 2000 to June2002

Nature of Job:

Draft issued at DD, MT, BT, TT and HD.

Process account opening and fixed deposits according to prescribed policies and procedures.

Draft repurchases, cancellation and stop payment.

Follow-ups on money transfers.

Reconciliation, maintenance of sales book and generating reminder.

Preparation of daily sales and summary report.

Cash handling and exchanging all types of foreign currency and experience to detect fake notes.

Western union money transfer Inward & Outward.

Provide professional, friendly and efficient services to all customers by auctioning their counter

transactions, enquiries and ensuring that appropriate retail service and standards.

Handling customer queries.

4. Laser Point Computer Solution., Chennai, India.

Period: September 2002 to October 2003.

Position: Executive System.


Responsible for installing and maintaining hardware and software on servers and client machines,

System stability, Assisting the system administrator and staff.

Responsible for configuration, scripting, log shipping, replication, MS clustering, backups and

restore, account creation, stored procedures and other administration tasks.

Coordinate with IT services, maintenance and upgrade new patches.

Other daily nature of works:

Accurately processing and collating documentation.

Preparation of invoice documents and shipments.

Processing reports on the progress of support calls for internal use and for the customers.

Preparing spreadsheet reports.

Assist in the ongoing testing of products.

Carried out all types of general routine day to day office works.

Educational attainment:

Degree University Year Graduated

Bcom. (Bachelor of Commerce) University of Madras, Chennai, india Oct. 1998

Training Attended:

Emergency Response Team Leader – Dubai

Sales and Service Excellence Workshop, Creative Management Consultancy, Dubai.

Technical Qualification:

Computer: 1. H.D.S.E.(Higher Diploma in software Engineering) through Aptech, Chennai, India.

2. Hardware and Network Engineering through Accel IT Academy, Chennai, India.

Type Writing: Lower Grade.

Personality profile:

Proficiency in communication, management coordination and interpersonal negotiation skills.

Self-motivated, efficient, accurate, hardworking, customer focus and detail oriented.

Excellent leadership & supervision skills.

Personal details:

Born 10th May 1974; Indian; Muslim.

Languages known: English, Hindi, Tamil & Malayalam.

I hereby attest that above information are true and correct to the best of my knowledge and belief. Authenticated documents are available upon request.

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