Banking Operations Consumer Banking KYC & AML

Simanta Hazarika

Tel: +91-789*******

Email: *******.**********@*****.***

Overview

Accomplished Senior Banking professional with extensive experience in the core banking industry.

Proficient in implementation of processes to drive operational improvements in banking operations, service delivery, maintaining a high quality standard of processes using best practices within the framework of approved policies.

Proven track record of developing & implementing effective operational policies, norms, systems, controls as well as providing excellent customer service.

Skills in managing and leading teams to run successful process operations and with experience of developing procedures & service standards for business excellence.

Proficient is ensuring consistent delivery of high quality services to clients by meeting or exceeding client expectations as defined by the Service Level Agreements as well as efficiency and accuracy.

Implemented projects relating to digitalization, process automation and re-engineering, digital payments, customer care desk and back office operations.

Innovative Manager with skills of building and maintaining healthy business relations with high net worth and corporate clients and ensuring high client satisfaction matrices by achieving delivery and service quality norms. Professional Experience

North East Small Finance Bank Ltd, Guwahati, India April ’17 to date North East Small Finance Bank Ltd is a newly established scheduled commercial bank Head Banking Operations

Managing 100+ Branches, 70+ Employees

Handling the Branch Banking Operations and Centralized Processing Centre

Streamlining systems with a focus on enhancing

operational and administrative effectiveness and meeting operational goals.

Identify and manage operational risks in order to comply with all regulatory requirements.

Responsible for recruitment, training and employee PMS

Efficiently managing all operations- Liability, Assets, KYC, Cash, ATM, Clearing, Payments & Customer Service Desk, as per bank’s policies & regulatory requirements.

Ensure satisfactory audit ratings and timely resolution.

Maintain operating cost within the budget.

Ensure the operational readiness of new products through system UAT and product flow risk assessment.

Key member of the bank’s business continuity plan. Achievements at N-E Small Finance Bank

Founder member of the bank – turned an existing micro finance institution in to a full-fledged bank.

Establishment of branch banking operations, design of systems and processes, preparation of all documents

(Manuals & SOPs).

Implemented the CBS platform, configuring it to meet the organization requirements.

Set up of all digital products operations- RTGS, NEFT, IMPS, UPI, NACH, Rupay Card operations, Billdesk etc.

Established and delivered >95% on TAT for all

centralized processes.

Implemented a Complaint Management system to

resolve customer complaint as per defined TAT

Achieved “No high risk observation” for audit and regulatory inspection.

HDFC Bank Ltd, India Mar’12 to April’17

Assistant Vice President (Cluster Head) Banking

Supervised banking operations in North-East India of 18 branches and handled a team of 50+ employees.

Managed liability, KYC, retail asset, clearing, cash, digital banking, customer service, risk and compliance.

Streamlined systems with a focus on enhancing

operational, administrative effectiveness and meeting operational goals.

Taken initiative in cost reduction and improvement program, developing and implementing action plans for achieving branch objectives.

Monitored the performance of Operations & Sales Team in terms of NOA & IPG achievement.

Implemented strategies to ensure customer satisfaction. Achievements at HDFC Bank

Converted clients to digital mode by enabling ENET platform.

Ensured opening of accounts and disbursement of

loans within TAT.

Was designated as ‘Top Cluster Head’ PAN India for achieving targets in the car loan sourcing contest organized in 2012.

Received ‘Certificate of Appreciation’ from Group Head, Operations for contributing to two wheeler

business during 2013 & Credit Card Super Star contest during 2014 among Cluster Head Category for

generating & sourcing of new business.

Simanta Hazarika Page 2 of 2

Axis Bank Ltd, India May ’11 to Feb ’12

Senior Manager Branch Banking

Staff strength: 15+

Managed a liability portfolio in excess of INR 90+ Crore.

Managed branch banking and general administration to improve profitability and control cost.

Maintained all deliverables, including KYC and AML verification during on-boarding of customers.

Cross selling of life insurance, general insurance, mutual funds to generate income for the bank.

Reviewed and actioned all audit-inspection findings. Achievements at Axis Bank

Steered efforts towards increasing revenue through cross-selling in non-banking products to new and existing customers.

Received ‘Certificate of Achievement’ for Best

Operations Head (Mutual Fund SIP Login) for

contributing INR 1 Crore in a Single Premium in February 2012.

‘Certificate of Recognition’ received from MD, Axis Bank as ‘Best Branch Operations Head’ with 32 (PAN India) at the Axis Annual Conference, Sri Lanka in 2011.

State Bank of India, North-East India May ’98 to Mar ’11 Manager Branch Operations & Customer Relations Officer Staff strength 10+

Managed a liability portfolio in excess of INR 120+ Crore.

Managed Liability & Asset Products, KYC, AML, Cash, ATM Operations and whole Branch Administration.

Liaised with new and existing customers to increase revenue by selling- marketing asset and liability products.

Improved Customer service, Branch Audit & Inspection.

Part of the transformation from manual Banking to CBS. Core Competencies

Banking Operations Consumer Banking KYC & AML Branch & Cluster Management Operational Risk

Payments & Settlements Retail Asset Operations Centralized Processing Customer Relationship Management Compliance People Management & Leadership

Education

Master of Business Administration (MBA)-International Business - Texas Fort University, Houston, US – 2021 Exec. Programme in Fintech, Banking & Applied Risk Management, Indian Institute of Management, Lucknow,IN 2021 Certified Associate of Indian Institute of Bankers (CAIIB) - Indian Institute of Banking & Finance, India – 2007 Bachelor of Science (B.Sc) - Gauhati University, Guwahati, India – 1995 Professional Certifications

Chainalysis Cryptocurrency Fundamentals Certification (CCFC), Chainalysis Inc., US-2022 ICA Certificate in Anti-Money Laundering, International Compliance Association, UK – 2021 IT & Cyber Security for Senior Management, Institute of Development & Research Banking (IDRBT), India - 2019 CAME (Certified Anti Money Laundering Expert), India Forensic - 2018 Lean Six Sigma Green Belt Certification - Exemplar Global – 2016 Certificate in Anti-Money Laundering & Know Your Customer, Indian Institute of Banking & Finance, India - 2016 CFP (Certified Financial Planner) from Financial Planning Standard Board, UK– 2013 Mutual Fund Distributors Certification, National Institute of Securities Market, India-1996 Industry Program

Prestigious Asian Banker Association “Short Term Visiting Program” at Maybank Academy, Malaysia – 2019 AML Training (50 hours) - have right knowledge and understanding regarding ML/TF Risk Management-2022 IT Skills: CBS Software TCS BaNCS24, Finacle, Flexcube, FIS Profile LinkedIn: www.linkedin.com/in/simanta-hazarika

Date of Birth: 31st March, 1975

Languages Known: English, Hindi

Address: Bipul Enclave, Bhetapara Main Road, Guwahati-781028 (Assam), India Nationality: Indian

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