RIDMA HOSSAIN

Summary of Qualifications

Over * years, experience in retail banking including Mortgages & Retail Lending, Anti-Money Laundering, Cheque Processing, Account Processing, Card Processing (Debit/Credit/Master), Transaction Processing etc.

Having experience more than 14 months in CIBC at Administrative Clerical role (associated with underwriting tasks & lending) in Mortgages & Retail Lending.

Able to communicate well with internal and external customers to enhance relationship – building. Excellent interpersonal and negotiating skills with strong ability to multitask to meet time-sensitive deadlines.

Efficient knowledge of preparing Suspicious Transaction Report(STR),Analysis of Transaction,

Cash Transaction Report(CTR) and Report Drafting.

Having Sound Knowledge of AML Compliance reviews, Sanction Screening, KYC Process and International Financial Reporting System (IFRS).

Received Professional Training on Anti-Money Laundering in 2009 also Money Laundering Prevention & Anti-Terrorism Act in 2012.

MBA & BBA (Major in Finance & Banking); IFIC (Investment Funds of Canada) Certification.

IT Skills: Excellent in M/s Word, M/s Excel (Pivot Table,V-Look Up) M/s Outlook & M/s Power Point.

Typing score of 40 WPM.

Education & Professional Development

Investment Funds in Canada CSI Global Inc. 2017

Customer Service & Sales in Financial Services, ACCES Employment 2015

MBA (Finance & Banking), International Islamic University 2011

BBA (Finance & Banking), International Islamic University 2008

Assessed by University Of Toronto; Canadian Equivalency

Professional Experience

Customer Service Representative, Scotia iTRADE Mar 02, 2020-May 29,2020

•Resolve product or service problems by clarifying the customer's complaint, determining the cause of the problem, selecting and explaining the best solution to solve the problem, expediting correction or adjustment, following up to ensure resolution.

•Manage large amounts of incoming e-mails sometimes calls.

•Meet personal/team SLA (Service Level Agreement) and e-mail handling quotas

•Keep records of customer interactions, send feedback to the customer when any issues related to Registered/Investment Products, Shares, and Stocks.

•Send e-mails to the customer when any issue arises to open any Scotia iTRADE account such as TFSA, RRSP, RESP, LIRA, etc also provided solutions for the other problems associated with these accounts.

•Solved problems to customers and send resolution through e-mail for Change of Address, Transfer In, Transfer Out, POA (Power of Attorney) also Account Closing related isuues.

Wealth Operation Officer, TD CANADA TRUST (TD Wealth Shared Services)

January16,2019-January15,2020:

• Create and maintain all standard operating procedures (SOP's) for related processes.

• Maintain required SLA's for all requests and track through intake portal for Executive reporting.

• Provide subject matter expertise in area of responsibility and apply to identify and mitigate risk issues.Working above and beyond of my daily assigned works such as Yes Que, IO Refresh,Ticketing,Ocr, etc. And also worked with mutual fund products such as RRSP, RESP,RRIF,TFSA, different kinds of GIC’S.

• Contribute to department and business experience management initiatives by identifying opportunities to achieve departmental efficiencies, and working to implementing practical strategies.

• Complete system access attestations in a timely & accurate manner adhering to operating & audit standards.

• Support the ongoing improvement of the partner/customer and employee experience.

Banking Operation Assistant, HSBCCANADA (Cheque Processing Unit) September 04,2018-Novemver 07,2018:

Accurately and efficiently performing a more complex range of administrative and processing functions in the Vostro Processing area, as well as Clearing & Item Processing.

Maintaining an efficient routine while conforming to the bank’s operating standards and policies.

Working with complex processing, operational, servicing and/or accounting-related duties in support of assigned area. Resolve issues as required and refer those of a more complex nature to higher levels. Maintain high level of quality, both in production and accuracy.

Regular duties include processing and investigations for Collections, Cash Letters and Vostro Clearing items.

Ensure that assigned duties are completed daily, and maintained in a legible and orderly manner. Also reconcile and balance accounts, verify accuracy of computation and resolve discrepancies.

Flexibility to adapt to a changing environment, where amendments, new tasks and procedural changes are constantly introduced, and learn required skill sets. Ensure all activities comply with pertinent internal standards and external regulations.

Apply compliance; internal and operational risk controls in accordance with HSBC or regulatory standards and policies; report issues and operational loss events. Regularly correspond with branches, other HSBC Business Units, International branches and correspondent banks.

Assisting employees in higher, equal or lower grade positions when necessary.

Mortgage Allocator, (Mortgages & Retail Lending) CIBC April 2017-June 2018

Monitor various shared mailboxes: Rush mailbox, Escalation mailbox, B-Class Escalation mailbox; respond to various e-mail requests and action accordingly.

Manage Simplii secured allocation along with the Simplii rush Mailbox, MA-Panel Mailbox and ES Mailbox.

Communicate directly with underwriters, managers and lenders throughout the day.

Contribute to team effort by doing indexing of Target imaging documents followed by inputting appropriate loan note in LCMS.

Allocate appraisal requests to Underwriters using shared Excel document and Outlook Address Book also develop team building activities

Became familiar with the under-writing requirements and terminology associated with mortgage applications

Eastern Bank Ltd

Associate Relationship Manager Feb 2013- March 2015

Managed and developed multiproduct relationships with institutional clients and developed business relationships with institutional and auto loan customers.

Sold short-term and long- term loans to existing and new institutional clients and achieved 113% of yearly sales target.

Promoted from Senior Officer to Associate Relationship Manager for good business performance.

Given special increment for excellent performance in business and service followed by AML policies and guidelines.

Senior Officer Feb 2011-Jan 2013

Interacted with customers, identified needs and sold investments based on needs; Resolved customer concerns, complaints, and questions by phone, email, and in-person; Performed branch administration and operations through completion of assigned tasks.

Given Rating 1 for the total area of business achievement, service excellence, audit rating, Maintaining AML rules and procedures, Locker Management including dues in locker fees.

Officer August 2008- Jan 2011

Promoted and maintained positive relations with all contacts, customers and potential customers which helped the bank in increasing and maintaining repeat business substantially.

Provided excellent customer service by assisting customers with their day-to-day banking activities and proposed new products to exceed their expectations.

Achievements

Achieved Service Excellence award consecutively for 2011& 2012 for excellent Customer Service.

Awarded certificate for achieving business target in Asset Campaign, Deposit Fiesta Campaign held in 2013 from MD.

Received Certificate for exceeding deposit performance (140%) and promoted from Officer to Senior Officer.

Professional Training (Eastern Bank)

Basic Banking & Anti Money Laundering Training 2009

Money Laundering Prevention & Anti-Terrorism Act 2012

Fundamentals of Credit Risk Management 2013

Women Leadership Training 2014

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