M Saranya

I am a detail-oriented Banking Operations Specialist with over 5 years of diverse experience in branch operations including fraud detection, dispute management, and customer service. My expertise lies in operational compliance, risk analysis, and customer relationship management. I have consistently excelled in my roles, achieving industry recognition for performance and operational excellence

Banker Cashier (Branch Operations) - IDFC FIRST Bank Ltd - Chennai

(2023-03 - 2025-09)

A banking institution providing comprehensive financial services

• Managed customer service, account opening, maintenance, and closure processes
• Ensured AOF verification, FTR closure, and welcome call adherence within TAT
• Scrutinized documents pre- and post-transaction; escalated discrepancies
• Handled branch complaints, CRM updates, and customer resolutions
• Supported revenue through client acquisition, retention, and cross-selling
• Ensured audit compliance, resolved findings, and adhered to internal policies
• Managed petty cash, vendor coordination, and stock maintenance

Subject Matter Expert (SME) – Fraud Detection & Disputes - Tata Consultancy Services (TCS) - Chennai

(2019-07 - 2023-01)

A multinational corporation providing IT services, consulting, and business solutions

• Investigated fraudulent debit/credit card transactions and identified missed fraud
• Initiated temporary card blocking to prevent unauthorized usage
• Managed issuer-side disputes per Association rules and FSA guidelines
• Performed quality checks, SOD reports, and team coordination

Bachelor of Education - B.Ed - Wisdom College (2022-08 - 2024-05)

Master of Commerce - M.Com - Madras University (2019-06 - 2021-05)

Bachelor of Commerce - B.Com – General - Guru Nanak College (2016-06 - 2019-05)