Sunita Panda

Banking professional with 14+ years of experience at ICICI Bank Ltd. across branch banking operations, customer onboarding, KYC/AML controls, customer due diligence, documentation, risk profiling and core banking. Experienced in Retail and Corporate Banking, digital banking, payments, lending operations and Finacle 11.x, with strong exposure to regulatory compliance, operational controls, data validation and process execution. Skilled in team handling, relationship management and wealth/affluent client servicing, supported by NISM Series V-A certification.

Deputy Branch Manager – Banking Operations - ICICI Bank Ltd. - Bengaluru, India

(2012-08)

• Team Handling & Branch Management: Lead and guide branch team members, allocate customer requests and ensure compliance with guidelines, systems and procedures.
• Customer Onboarding & KYC Verification: Perform customer onboarding and KYC verification for new account openings in line with regulatory and internal requirements.
• Document Verification & Validation: Review PAN, Aadhaar and address proof documents and verify consistency and completeness of customer information.
• Customer Risk Profiling: Conduct customer risk profiling using occupation, customer profile, transaction behaviour and other risk-relevant parameters.
• CDD / EDD: Perform Customer Due Diligence at onboarding and support enhanced review of higher-risk customers.
• Discrepancy Identification & Escalation: Identify and escalate KYC discrepancies, incomplete documentation and information gaps to internal teams.
• Suspicious Activity Escalation: Support identification and escalation of unusual or potentially suspicious customer activity through defined internal processes.
• Periodic Review & Remediation: Coordinate KYC updates, periodic reviews and remediation of existing customer records.
• Banking Operations Management: Manage day-to-day branch operations across Retail and Corporate Banking while maintaining operational and regulatory controls.
• Core Banking & Digital Banking: Work on Finacle 11.x with techno-functional exposure to Deposit, Loans, Payments, Trade Finance and Internet Banking modules, along with Loan Origination & Management Systems and data migration.
• Payments: Working knowledge of payment processing across RTGS, NEFT, SWIFT and UPI.
• Audit Readiness & Data Handling: Maintain accurate, audit-ready customer records and handle high-volume customer data with focus on accuracy, confidentiality and validation.

Post Graduate Diploma - Banking & Finance - Manipal University (2011 - 2012)

Bachelor's Degree - Computer Science - Babasaheb Ambedkar Marathwada University (2007 - 2010)