Kannaiah Baskar

Banking Operations Professional with 9.2+ years of experience in Retail Banking, currently working as a Virtual Relationship Manager – Imperia Banking at HDFC Bank. Experienced in client onboarding, KYC verification, Customer Due Diligence (CDD), regulatory compliance, customer risk assessment, documentation review, and banking operations. KYC & AML Certified with hands-on experience in managing affluent customer portfolios, ensuring compliance with regulatory requirements, and collaborating with cross-functional teams to deliver operational excellence.

Proficient in Flexcube, CRM platforms, Microsoft Excel, SQL (Basic), and workflow management. Bringing extensive banking operations experience and KYC & AML expertise to KYC/AML Operations, Client Onboarding, and Financial Crime Compliance roles.

Virtual Relationship Manager – Imperia Banking at HDFC Bank (2024-07 – Present)

• Managed a portfolio of 900+ affluent clients, ensuring timely KYC reviews, regulatory compliance, and high-quality account servicing.
• Performed KYC verification and AML compliance checks for 100+ customer applications monthly, ensuring 100% documentation accuracy and adherence to regulatory requirements.
• Supported client onboarding and account maintenance by validating customer documentation, identifying exceptions, and coordinating with Operations and Compliance teams for resolution.
• Ensured adherence to KYC/AML requirements, regulatory guidelines, internal controls, and audit standards across customer servicing and account-related processes.
• Improved cross-sell conversion by 32% through data-driven customer segmentation and targeted portfolio engagement, while maintaining compliant customer practices.
• Automated customer engagement workflows, reducing manual intervention by 40% and improving operational productivity and process efficiency.

Customer Service Officer at Aditya Birla Finance Ltd (2020-10 – 2023-01)

• Processed loan applications and customer documentation, ensuring accuracy and adherence to defined policies and operational procedures.
• Performed KYC verification and AML compliance checks to support compliant customer onboarding and loan processing.
• Supported end-to-end customer lifecycle operations, including account servicing, documentation review, and process coordination.
• Collaborated with Credit, Operations, and Sales teams to facilitate timely loan processing, approvals, and disbursement.

Customer Service Officer at Equitas Small Finance Bank (2020-06 – 2020-10)

• Managed account opening, customer onboarding, cash operations, and documentation verification activities.
• Performed KYC checks and ensured adherence to AML, regulatory, and internal compliance standards.
• Supported day-to-day banking operations by ensuring process accuracy, timely transaction processing, and compliance with established operational procedures and regulatory requirements.

Customer Service Manager at ICICI Bank (2015-09 – 2019-12)

• Managed branch banking operations including account opening, transaction processing, and customer onboarding while ensuring operational accuracy and regulatory compliance.
• Performed KYC verification and AML compliance checks to support compliant customer onboarding and loan processing.
• Supported account servicing, documentation review, and customer lifecycle operations.
• Coordinated with Credit, Operations, and Sales teams to facilitate timely loan processing and disbursement.
• Maintained operational accuracy and ensured adherence to defined SLA and turnaround time (TAT) requirements.

B.Sc. in Computer Science – Thiagarajar College (2012 – 2015)