Kavi Ram

Results-driven Banking Operations Professional with 2.9+ years of experience in retail banking, core banking systems (Finacle), and high-volume transaction processing at Tamilnad Mercantile Bank. Demonstrated expertise in cash desk operations, general ledger reconciliation, account servicing, and regulatory compliance (KYC/AML). Proven ability to optimize branch operational workflows, eliminate processing errors, and deliver prompt customer query resolution.

Seeking to leverage technical and domain skills to support accurate, efficient banking operations as a Banking Operations Associate.

Clerk – Banking Operations & Customer Service - TAMILNAD MERCANTILE BANK - Chennai, Tamil Nadu

(2022-07 - 2024-11)

• Transaction Processing: Processed high-volume retail banking transactions daily, including cash deposits, withdrawals, demand drafts, fund transfers, and clearing operations via Finacle with zero error rates.
• Cash Management & Reconciliation: Supervised daily cash desk activities, balancing physical cash vault reserves with end-of-day general ledger accounts in strict adherence to RBI and bank policies.
• KYC & Regulatory Compliance: Audited customer onboarding files, account opening documentation, and profile modification requests to enforce complete KYC/AML compliance and mitigate operational risks.
• Customer Query Resolution: Addressed customer inquiries regarding account balances, term deposits, card services, and digital banking platforms, maintaining a high first-contact resolution rate.
• Audit Readiness & Documentation: Maintained organized digital and physical customer record systems, resulting in seamless, audit-ready operations during internal and external compliance reviews.
• Branch Support & Growth: Coordinated cross-departmental branch workflows to streamline customer turnaround time and supported branch marketing by introducing relevant banking products to clients.

Bachelor of Science (B.Sc.) - Mathematics - Kamaraj College (2018 - 2021)