Senior Vice President - Head Branch Operations - Shinhan Bank (South Korean Bank) - Ahmedabad Branch, India
(2016-11 - 2026-02)
Profile involves Monitoring day to day Trade Finance & Branch Operations transactions, also handle Branch Compliance & Audit, managing branch HR and Admin profile, Vendor management. Regular interaction with Head Office at Mumbai.
- Controlling and supervising the Trade Finance & Branch Operations transactions, Implementation of regulatory requirements, Monitor the transactions and Documents for any Sanctions violation and Trade Based Money Laundering (TBML).
- Managing Letter of Credit (LC) & Bank Guarantee operations, Import & Export Bills, Export Bill Discounting, Trade Credits, Pre & Post Shipment Finance, and Open Account Transactions.
- Cross border Remittances Operations and Forex Transaction, outward and inward remittances, External Commercial Borrowing (ECB), Overseas Direct Investment (ODI), Foreign Direct Investment (FDI) etc.
- As Branch Compliance officer & Supervise branch auditor, Supervising KYC & AML for branch accounts, Managing Concurrent auditors, coordinate with IAD Head.
- Monitoring and approving SWIFT messages and vigilance over any Sanction breach.
- Monitoring the procedure of onboarding of new customers with complete KYC and CDD, Transaction Monitoring and conduct of account.
- Monitor the system triggers and analyze the Suspicious Transaction Reports (STR).
- Maintain a check on Financial Crime related transaction patterns for AML and CFT
- Conducting and imparting training on Compliance and banking operations & controls, AML & KYC, Preventing Financial Crime related topics.
- Responsible for HR and Admin activities in roll of branch HR head. Which involves analyzing the headcount requirement, resourcing, interaction, post on boarding formalities, maintaining HR record etc.
- Appointed as Principal Nodal Officer for the bank since 2023.
- Employee of the Year 2017 Award.
- Excellent Employee – Ambassador of the Year 2019.
Assistant Vice President - Head Branch Operations - THE ROYAL BANK OF SCOTLAND N.V. (erstwhile ABN Amro Bank N.V.) - Baroda & Pune, India
(2009-01 - 2016-10)
Profile involves Monitoring day to day trade/non trade transactions and supervision of team for operations Engage in continuous dialogue/interaction with the back office to ensure seamless processing of transactions, reduction of errors and implementation of corrective actions to meet the standards & customer expectation
- Controlling in operations such as establishing Import and Inland LC, negotiating LC Bills, issuing Bank Guarantees, Bill booking, buyer's credit, and disbursement of Pre-Shipment Credit in Foreign Currency (PCFC) & Post Shipment loan. Overseeing all remittances: Import & Export Bills, outward and inward remittances, External Commercial Borrowing (ECB), Foreign Direct Investment (FDI) etc.
- Understand customer's business model and advise them on the trade products related functional and regulatory aspects. Monitoring the transaction compliance in line with AML / CFT.
- Checking the trade and remittance documents in conformity with line of business of client for any Financial Crime like Sanction violation and TBML.
- Liaise with internal stakeholders; provide periodic updates on related information to support Business. Working with treasury for clients' FX trading and deposits related requirements.
- Ensure timely reporting of regulatory returns like Service Tax, XOS, BEF, ECB II, FCGPR, etc. Liaise with the Regulatory Authorities like RBI, IT, ED etc.
- Managing the overall functioning of processes, identifying improvement areas and implementing adequate measures to maximize customer satisfaction level.
- Monitoring general / corporate banking functions entailing Term Deposits, CMS operations, Fund transfers account opening, AML & KYC controls, Monitoring foreign i/w & o/w remittances
- Analyze and review new process roll outs, ensure continuous process improvement to reduce operational risk and loss. Ensure robust controls to achieve zero operational loss
- Leading, managing & monitoring the performance of team members to ensure efficiency in banking operations and
- Determining training needs of associates to enhance their operational efficiency leading to increased productivity. Managing the job rotation in the team and develop backups.
- Interact with customers to assess their satisfaction level, smooth on- boarding of new clients, deal with their concerns, as appropriate, and ensure upgraded quality of service is provided. Focusing on increasing the usage of transaction banking E-Banking platforms of the bank.
- Certificate of Excellence 2009, Performance Award for 2012.
- Built a reliable team with strong knowledge base
- Identified potential in customers and enhanced Trade volume by 30%.
Assistant Manager II - Branch Operation Manager (BOM) - ICICI Bank Ltd. - CIBD, Baroda, India
(1997-08 - 2009-01)
My last profile with ICICI Banks was as Branch Operation Manager (BOM) with additional responsibility of CSM for Trade Finance. As BOM I manage administrative and operational activities of the branch.
- Monitoring day to day trade transactions Unit which involves handling of transactions pertaining to Exports, Imports, Guarantees, and Letter of Credit, Domestic Trade, Forward Contracts and non-Trade Remittances. One point contact at the Bank, for any operational issues of the corporate clients.
- Handling queries for banking transactions, cash management services, salary accounts of corporate client's employees.
Business Officer - DCM Financial Services Ltd - Baroda, India
(1995-01 - 1997-07)
Area Of Operation: Consumer Finance – Funding of CARS and Commercial Vehicle Finance. Monitoring & recovery of debts and Repossession of Vehicles.
- Developing the Car Financing segment of DFS's at Baroda and Surat . Dealer Development, Credit Risk Assessment and Follow–up of Debt. Financing of HCVs,LCVs and Cranes.
