Sharmila Karki

Banking professional with a Bachelor of Business Studies degree, Qatar Embassy Attested, and currently completing a Master of Business Studies thesis. Experienced in retail banking operations, KYC and AML compliance, client relationship management, and financial administration. Achieved 100 percent documentation accuracy, zero compliance incidents, and a 30 percent reduction in reporting time across previous roles.

Skilled at building client relationships, cross-selling banking products, and resolving customer inquiries professionally and efficiently. Fast learner who masters new banking systems and procedures quickly. NOC holder, immediately available, and committed to QNB Group service excellence.

Customer Service Representative - Internship at Prime Commercial Bank (2025-01 – 2025-01)

Internship in retail banking operations and KYC/AML compliance procedures

• Mastered core retail banking operations and KYC and AML compliance procedures within 5 days.
• Verified KYC and AML documentation for 100 percent of assigned files with zero errors.
• Processed cheque book requests, card applications, and account amendments efficiently.
• Maintained zero compliance incidents by meeting all daily bank cut-off timelines.
• Supported senior Relationship Officers in client onboarding and cross-selling activities.
• Developed strong knowledge of fund transfer procedures and banking product portfolios.

Accountant and Front Desk Executive at J.K. Traders Pokhara Private Limited (2021-01 – 2023-12)

Managed accounting operations, financial administration, and client service

• Managed invoices, billing, accounts payable and receivable, and daily sales records.
• Executed monthly bank reconciliations with 100 percent accuracy across multiple accounts.
• Resolved all discrepancies within 24 hours and delivered financial reports to management.
• Handled an average of 20 or more daily client inquiries with zero unresolved escalations.
• Coordinated with 3 or more departments and vendors to resolve payment disputes on time.
• Automated financial reports using MS Office Excel, reducing reporting time by 30 percent.

Ticketing Officer at World Connection Travel and Tourism (2015-01 – 2016-12)

Processing bookings and managing client inquiries in travel and tourism sector

• Processed bookings and payments with 100 percent accuracy and zero booking errors.
• Handled 15 or more daily client inquiries while meeting all booking deadlines.

Master of Business Studies (MBS) in Business Studies – Tribhuvan University

Bachelor of Business Studies (BBS) in Business Studies – Tribhuvan University (2020-12)