Retail banking, mortgage process, cards reconciliation

V.GEETHALAKSHMI

No.*G, Annai Indira Gandhi *rd Street,

Bharathy Nagar, Pandiyan Street, Pozhichalur,

Chennai - 600074

Mob#: +91-755*******

E-Mail:**************.**@*****.***

Objective:

To pursue a successful career which is challenging as well as promising and that offers the opportunity for professional, financial development and to function more independently, utilizing my knowledge, experience and skills productively.

Expertise:

Credit Card Settlement and Reconciliation, Direct debit payment reconciliation, Credit card payment reconciliation, General Ledger Reconciliation, Nostro Reconciliation, Process Management and Reports Management.

Work Experience:

Overall 10 years of experience in Finance and accounting process

Company : TATA Consultancy Services International Ltd.

(Worked for Commercial Bank of Qatar)

Period : Jan 2011 – Apr 2019

Designation : Senior Process Associate.

Responsibilities in Settlement Process:

Worked at TCS as a Senior Process Associate (SME & CHECKER) in Settlements unit.

Handling End to end support of Commercial Bank of Qatar

Playing a major in payment reconciliation for Association VISA & Master on a daily basis and maintains integrity between card balance & financial system.

Disputes related to credit card i.e. reversals and refund of excess credit in card are investigated and transferred to customer account.

Processing financial entries to banks GL as per Bank’s standard operational procedure and also daily general ledger entries including those arising from the daily reconciliation and EOD reports.

Part of Settlements & Reconciliation Unit, which serves as the backbone of Cards Operations Unit within the bank.

Reconcile daily Interchange Settlement received from Visa / MasterCard International b and local switch settlement and ensure that all fees, charges and other incomes earned on interchange transactions are properly debited / credited by Visa / MasterCard International and switch.

Processing Month end accruals i.e. provision, write-off, reversals and recovery

Automating the Manual Process using Excel and Monarch

Successful in taking up Automation initiatives in Designing and Implementing the same for Cards Operation carried out Manually with the help of Monarch, MS Excel.

Preparation of Process manual for the business in E and Y format for all the Settlement.

Responsibilities in US Mortgage Origination Domain Pre Purchase Review Process:

Wholesale buying of US Mortgage in Secondary Market on behalf of the client.

Reviewing and Analyzing the contents of Mortgage Documents.

Verifying underwriting approval documents from underwriters as per client guidelines.

Reviewing the property inspection report and evaluate the Appraisal value of the property.

Checking HMDA (Home Mortgage Disclosure Act) information for Audit.

Checking borrower’s Credit Scores, Income and Liabilities and Assets.

Need to check the loan after auditing, if any discrepancies found that needs to be disclosing to the client. On client getting back with required documents on discrepancy files, then the loan need to be closed and sent to funding.

Work Experience:

Company : CITIBANK

Period : Nov 2009 – Dec 2010

Designation : Trainee

Responsibilities in CWM Process:

Handling Centralised Card World Money Process (CWM) in Citi Bank at India level.

Preparing Reconsideration MIS of Load & Reload Report on daily basis to check the Activation and Funding of CWM cards.

Preparing Sales MIS Reports daily for CWM in excel using method of vlookup and pivot table.

Corporate is maintained as requested by the Money Changer in Eclipse module.

Order for plastic of CWM card is processed as requested by the Money Changer.

Data Entry for Credit Card Application in Eclipse module.

Query Referral.

Executing SQL query in Putty software to retrieve the details to find out the number of cards uploaded.

Work Experience:

Company : ADFC Private Ltd. (Worked for HDFC BANK)

Period : Sep 2008 – Oct 2009

Designation : Support Staff

Worked in ADFC Private Ltd as a Support Staff Interchange & Operation Control Unit in Credit Card Processing.

Doing Funds Transfer on daily basis for Domestic and International transaction to settle Net Amount of Visa & Master Card (MC) Franchisee.

Preparing Settlement sheet for Visa and MC on daily basis to post the transaction of respective General Ledger (GL) and to knock off Funds Transfer amount.

Downloading FTP & Iseries Reports of previous day and saved into the corresponding folders daily which is received from Franchisee.

Preparing Charge Back Documents for customer Dispute in MS word using the method of macro.

Query Referral.

Preparation of Income and Expenses daily to check whether the amount transferred to respective GL and match with Franchisee Reports.

Balance checking of Casa Account at EOD (End of the Day).

Application profile:

Systems knowledge related to Cards & Mortgage:

PUTTY

ECLIPSE

FTP

ISERIES

PRIME SYSTEM

Telnet

Educational Qualification:

MBA (Financial Management in 2013) with 60% - Madras University (Distance education), Triplicane.

B.Com (2008) with 74% - Meenakshi College for Women, Kodambakkam.

Diploma in Modern Office Practice (2005) with 74% - Dr Dharmambal Govt. Polytechnic College for Women, Tharamani.

S.S.L.C (2002) with 82% - Avvai Home T.V.R Girls Hr. Sec. School, Adyar.

Declaration

I here by confirm that all details furnished above are true to the best of my knowledge and if I am selected I would reveal the best of my work in your reputed organization.

Place:

Date: (GEETHALAKSHMI.V)

Contact this candidate