Mohamed Riyazuddin N

Banking operations professional with 5 years' front-line experience in branch operations, customer onboarding, and document verification across India and the UAE, including deputising as Branch Manager. Skilled in processing account openings, cash and remittance transactions, and regulatory documentation with a consistent record of zero-discrepancy audits. AML/CFT certified (Edoxi, UAE) and actively building toward a KYC/AML compliance career, with hands-on exposure to CDD document checks and regulatory standards through daily onboarding work.

Now based in Singapore and targeting Banking Operations, Client/KYC Onboarding, and KYC Remediation roles.

Relationship Executive – Credit Cards & Loans at Emirates NBD (via Hadaf Al Khaleej Commercial Services LLC) (2025-08 – 2026-01)

• Verified KYC documentation for every application, ensuring full compliance with UAE Central Bank regulatory standards.
• Exceeded monthly sales quotas by 100%+ through consultative relationship management and cross-selling of credit cards and personal loans.
• Maintained and grew a customer database, converting inactive leads through structured follow-up outreach.
• Partnered with cross-functional teams to accelerate application processing and approval turnaround.

Service Delivery Manager (Deputy Branch Manager) at IndusInd Bank Ltd (2023-02 – 2024-12)

• Managed daily branch operations, cash handling, and ATM replenishment while ensuring 100% documentation compliance.
• Supported internal and regulatory audit processes, maintaining accurate compliance and transaction records.
• Processed remittance and forex transactions, applying control measures that reduced operational and compliance risk.
• Drove 40% product revenue growth in three months by planning and launching four new banking features.
• Resolved customer service issues within defined SLAs, sustaining high satisfaction across the branch portfolio.

Customer Relationship Officer (Assistant Manager) at CSB Bank Ltd (2021-10 – 2023-02)

• Reviewed and validated account-opening documentation against regulatory and internal control standards, maintaining high data-entry accuracy.
• Managed a portfolio of CASA accounts, term deposits, loans, and insurance products for retail customers.
• Executed and authorized daily transaction postings with zero material discrepancies.
• Prepared daily MIS reports and led operations review meetings to track branch performance.
• Oversaw ATM cash replenishment and branch cash management, safeguarding accuracy and security.

Corporate Sales Manager at HDFC Life Insurance Ltd (2021-02 – 2021-10)

• Surpassed assigned life insurance sales targets by building and executing a structured lead-to-issuance sales process.
• Trained partner agents and co-led marketing campaigns that expanded pipeline and deal-closure rates.
• Maintained MIS tracking for prospects and policy disbursements to support forecasting accuracy.

Bachelor of Commerce in B.Com – Thiruvalluvar University (2014 – 2017)