Executive Summary

• A result oriented professional with around 9 years of insightful experience in diverse areas of Banking.

• In-depth knowledge about the banking regulations, core banking process and procedures, Finacle, Flexcube application.

• Responsible for managing entire branch operations, KYC, AML, Banking Audit, Risk Assessment, Operational Compliance, Knowledge Banking, Cash Remittance, Grievance handing, Best Practices Implementation.

• Possess excellent communication, team management and resource utilization skills.

• Experience of team handling for executing operational banking activities.

• Determined, focused and a strong-willed individual. Core Competencies

• Expertise in Finacle and Flexcube end user applications.

• Overseeing the entire gamut of branch operations spanning Compliance, Quality Management and Customer Satisfaction.

• Investigate fraud cases of AML, STR and conclude with logical modus operandi & root cause & proposing corrective measures.

• Adhering to the policies laid down by RBI in daily routine operational activities.

• Scrutinizing of KYC documents for ensuring KYC Compliance of every opened account & Deposits.

• Ensuring compliance of various statutory requirements as per audit guidelines as well as regulations laid down by various acts governing banking operations.

• Competent at developing strategies and preparing work schedules. Technical Skills

• Finacle/ Flexcube

• Fundamentals of Microsoft office

• Windows 2003, 2007, 2008

Professional Experience

RBL Bank Ltd., Gurgaon/ Pune Service Delivery Manager July 2018 – June 2020

• Managing Service and Operation team.

• Use of Finacle to track the account details such as balance, Overdraft accounts, monitoring of account to prevent the fraudulent activities, Scrutinizing the daily transactions, account closure etc.

• Responsible for ensuring Internal Control at the Branch by proper KYC with routine banking transactions and ensuring customer satisfaction.

• Ensure Audit rating to be rated as “Excellent” and closure of audit report within proper time.

• Monitoring the team and resolving the queries at branch as well as queries received from HO level.

• Ensure all operational reports are accurately produced and published on time.

• Presents logical analysis/observations from the performance/operational reports.

• Customer retention and complaints management

• Training team members to make them aware of the new processes and to mitigate the risk involved

• Daily Briefing & De-briefing the team towards new implementations & hurdles face during deployments

RITIKA TANDON

E-mail: adnmyq@r.postjobfree.com

Mobile No.: +91-959*******

Pune, Maharashtra

IndusInd Bank Ltd, Gurgaon Deputy Branch Manager Jan 2016 – May 2018

• Handling of end to end compliance-oriented processes vigilantly

• Part of Branch Monitoring Unit (BMU) wherein responsibility includes quarterly auditing branches and rate them on various functional parameters.

• Use of Finacle to cross verifying the details such as incorrect entry, branch book, identify suspicious accounts etc.

• Responsibility include customer service along with increasing CASA.

• Responsible for daily, monthly, quarterly and annual reporting.

• Reconciliation of any differences with Banks and Clearing related suspense accounts.

• Effectively manage client priorities/escalations.

• Executing customer centric banking operations & ensuring customer satisfaction by achieving delivery & service quality norms.

• Make suggestions to improve the work flow, reduce cost and time spent on each task. Yes Bank Ltd, Gurgaon Branch Service Partner May 2010 – Dec 2015

• Checking of KYC documents and identifying the discrepancies and assisting in resolving them to reduce the TAT.

• Used Flexcube application for Reconciliation and balancing of bank account with RBI, clearing etc.

• Monitor customer’s profitability for the branch and help the sales team by providing satisfactory services to their customers.

• Support central AML Monitoring Unit with prompt response after completing required due diligence at branch level of the suspected accounts within proper time frame.

• Special emphasis given to verify all Cash/Branch related Registers on monthly basis and report for remedial action.

• Establishing personal relationship & developing future business, resolving client queries/complaints as well as providing guidance on products and services provided by banks.

• Preparation of process map, which help the new members in team to adhere the processes as defined by the bank.

Certification

• Insurance Regulatory and Development Authority (IRDA) certified professional. Attainments

• Received an award for being ‘top 10 DBM’ in the country.

• Awarded ‘KYC CHAMP Certificate” for performing job assigned with best quality and ensuring client satisfaction.

• Awarded “Best Performer in SIP DRIVE” conducted at regional level.

• Awarded ‘Star of the Month’ for outstanding customer service on numerous occasion

• Nick named ‘D.A.S.’ by the team.

Academic qualification

DEGREE COLLEGE/ INSTITUTE

Master of Business Administration

(International Business & Marketing)

AMITY University, Lucknow

Bachelor of Science

(Biotechnology)

D.G.P.G. College, Kanpur

Intermediate Dr Virendra Swarup Public School Cantt, Kanpur High School Dr Virendra Swarup Public School Cantt, Kanpur

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