Ashwini Dhaneshwar

Detail-oriented finance professional with 3+ years of experience in banking operations, fraud investigation, and wealth management. Skilled in credit risk analysis, NRO/NRE compliance, and fraud detection using advanced monitoring systems. Dynamic professional recognized for enhancing operational efficiency, maintaining audit readiness, and delivering high-quality financial support to HNI and regulatory bodies.

Focused on applying analytical risk assessment, compliance, and core banking expertise within the investment banking domain.

Analyst | FES Operations - KOTAK MAHINDRA BANK

(2023-11)

• Process and monitor Foreign Exchange (FX) transactions, ensuring compliance with internal controls, RBI regulations, and FEMA guidelines.
• Handle end-to-end processing of inward remittances, including document verification, transaction validation, and timely execution.
• Monitor outward remittance limits and ensure transactions comply with applicable regulatory and internal policy requirements.
• Review and monitor NRO/NRE account transactions for compliance with FEMA and bank policies.
• Prepare and submit Fraud Monitoring Reports (FMR) to RBI and NPCI within prescribed timelines.
• Maintain and monitor a centralized database of payment-related fraud cases, tracking recoveries and case closure.
• Coordinate with FES Operations, Risk Control Unit (RCU), Compliance, and branch teams to resolve transaction-related queries and exceptions.
• Monitor high-value and high-risk transactions, identify unusual patterns, and escalate exceptions as per internal procedures.
• Support internal and external audits by preparing operational reports, maintaining documentation, and ensuring audit readiness.
• Contribute to process improvements by identifying opportunities to enhance operational efficiency and reduce turnaround time.

Branch Operations Analyst - INDUSIND BANK

(2022-09 - 2023-04)

• Oversaw retail banking operations, ensuring absolute process integrity and exceeding KRAs through transaction accuracy and service delivery.
• Contributed to process automation and ledger reconciliation improvements to streamline daily banking workflows.

Wealth Management Officer - ICICI BANK

(2021-05 - 2022-05)

• Advised High-Net-Worth Individuals (HNIs) on investment strategies aligned with their financial goals and risk profiles.
• Monitored financial portfolios and dynamically rebalanced assets to ensure alignment with shifting market dynamics.
• Received multiple commendations for client service excellence and portfolio management.

Certified Investment Banking Operations Professional - CIBOP - Imarticus Learning (2026-01 - 2026-07)

PGDM - Finance - Welingkar Institute of Research and Development (2023)

Bachelor of Commerce - Accounting and Auditing - R.A. Podar College of Commerce and Economics (2020)