Ratna Shalini Goparaju

Mobile: 503-***-****. Address: Beaverton, Oregon 97006. Email id adsr0i@r.postjobfree.com www.linkedin.com/in/ratnashalini

Professional Summary

• An achievement driven and enthusiastic banking professional having 9+ years of experience in Global Trade Finance with emphasis on Commercial and Standby Letters of credit.

• A Certified Documentary Credit Specialist (CDCS) with sound knowledge of UCP 600, ISBP 645 and ISP98 guidelines.

• Efficiently managed Issuance, Advising, Negotiation and Confirmation functions by strictly adhering to operational procedures, ICC guidelines and regulatory compliance and consistently meeting deadlines.

• Demonstrated ability to review complex LCs and documents and being a reliable resource in demanding situations.

• Possess excellent interpersonal and communication skills, collaborated with customers, stakeholders, and corresponding banks etc, and delivered exceptional customer service. Work History

Dec 2018 – June 2021 International Banking Specialist, U.S Bank N.A, Portland, USA.

• Examined import, export (including bulk cargo) and Standby LC documents against the L/C, UCP 600, ISBP and ISP 98, identified discrepancies, contacted banks, beneficiaries and presenters seeking further instructions.

• Performed due diligence and ensured compliance with OFAC, Anti-Boycott and Anti Money Laundering.

• Prepared cover letters and forwarded export documents to issuing or negotiating banks.

• Processed cables to overseas banks requesting waiver of discrepancies or notifying status of discrepant documents.

• Handled domestic and foreign currency payments for complying documents after obtaining internal approvals.

• Followed up on outstanding items via email, telephone or by sending tracers until transaction is finalized.

• Issued LCs and amendments in the system after detail review of credit policy and acquiring internal approvals.

• Sought legal guidance for Stand by LC documents under dispute and attained best course of action.

• Involved in automation of manual document checking process, recommended improvements and increased productivity by 30 %.

• Attained authorization limit to perform second review of documents for the team. Awards and recognitions

• Silver shield for exemplary performance in checking and processing 35 sets of complex documents in one day

(compared to 12-15 sets of documents on an average) and achieved highest customer satisfaction for meeting SLA.

• Bronze Shield award two times in a row for outstanding teamwork and outperforming department goal of 95% SLA

• Bronze Shield for identifying sanctioned country on document, escalating immediately and taking timely action.

• Spot award for two times for assisting teams in other locations manage workload and meet deadlines. Sep 2014 – May 2015 Operations Officer, State Bank of India, Sydney

• Process and disburse buyer’s credit accounts as per the agreed SLA with the clients

• Manual reconciliation of Bank’s Nostro accounts and promptly respond to mail queries. Sep 2011- Nov 2013 Senior Associate Consultant, Infosys Limited, India

• Performed extensive business analysis across Trade Finance, High value clearing and ACH payments.

• Conducted workshops with clients, gathered business requirements and devised best solutions.

• Prepared test cases conducted user acceptance testing (UAT) and documented the test results. June 2007- March 2011 Trade Finance Operations Team lead, JPMorgan Chase, India.

• Managed a team of 10 and handled Export Advising, Client Reporting, Bank to bank reimbursements and Trade Collections processes ensuring compliance, accuracy, timeliness and smooth BAU deliverables.

• Analyzed alerts arising from restricted party screening by the team, identified false and true hits and escalated to the Risk and Compliance team accordingly and ensured appropriate action is taken.

• Verified and released transactions, updated Standard Operating Procedures, conducted regular team meetings, and focussed on team performance.

• Provided training and guidance to team and ensured team is cross trained in all functions.

• Achieved 25% efficiency in productivity by automating manual client reporting process into excel.

• Prepared power point presentations and created excel based training repository. Awards and Recognitions

• Best team leader award for being the top performer in Global Trade Department in 2008.

• Received appreciation from partner locations and customers for accurate credit reports and prompt service. Certifications

• Certified Documentary Credit Specialist (CDCS) from Institute of Financial services (IFS) in 2010.

• Certified Trade Finance (CTF) from Indian Institute of Banking and Finance (IIBF) in 2010.

• Certified Associate in Project Management (CAPM) from Project Management Institute (PMI) in 2010. Core Competencies

• Good working knowledge of URR 745, URC 722, URDG 758 and Incoterms.

• Proficiency with SWIFT.

• Thorough understanding of KYC, Sanctions, BSA OFAC, Anti Money Laundering and Anti-Boycott regulations. EDUCATIONAL BACKGROUND 2002-2007 Dual Degree in Bachelor of Pharmaceutical Medicine and Master of Management Studies (MMS) from Birla Institute of Technology & Science, RAJASTHAN, INDIA.

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