SYED MOEEN

Experience

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  Citibank India

  Mar 2001 - Apr 2002

  TEAM MANAGER @ Cards

  CARD DIVISION AT CITI BANK ASSOCIATE

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  ICICI Bank

  Apr 2002 - Oct 2005

  RELATIONSHIP OFFICER/Sr. Business Development Executive

  RELATIONSHIP OFFICER IN RETAIL BANKING/ Liabilities /Asset/Task /Branch Sales AT CP BRANCH DELHI

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  IDBI Bank

  Oct 2005 - Jan 2006

  RELATIONSHIP OFFICER /TEAM MANAGER /FINANCIAL CONSULTANT

  Branch Sales and HNW Sourcing / Priority Banking at Chandani Chock Branch Delhi.

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  HDFC Bank

  Jan 2006 - Oct 2008

  Profit Centre Management Set up and managed complete branch operations with key focus on bottom line profitability by ensuring optimal utilization of available resources. Developed operating budgets to ensure optimum utilization of available funds towards the accomplishment of overall corporate goals. Led, trained and motivated workforce to achieve organizational objectives. Undertook initiatives for credit control and planning recovery strategies in case of payment default thereby reducing NPA’s (Non-Performing Assets). Handled Credit Controls on ME-OD & Cards/Master /VisaBanking Operations Management Handled front-end operations for Savings, current & fixed deposits, involved in cash management for branch as well as ATMs as well as extended Priority Banking services. Handled NRI & Forex Business. Interfaced with other banks for lending/ borrowing and ensured compliance with the statutory requirements laid down under different Acts governing banking regulations.Loans/ Credit• Underwriting / Risk Analysis of proposals, mapping proposal parameters with policy• Handled a team of 35-40 people • Audit (includes process and quality audit) & Review of Vendors & Business Associates, identifying malpractices & reporting to the concern departments• Training to In-house Sales Team, various Vendors & DSAs• Coordination between Sales, Credit, Operations & Collection Team• Maintaining Benchmark Credit & E2E TAT• Review of Portfolio Quality, its various indicators & taking corrective action by proposing policy changes Maintaining Portfolio Quality by way of portfolio review• Cost Management Show less As Relationship Manager – Preferred Banking Administered the overall activities for Preferred Banking operations & services and establishing Preferred Banking as a full-fledged Profit Centre department. Instrumental in managing a portfolio size of 600+ HNW customers – a Portfolio at par with the biggest branches of the Bank in the country. Ensured smooth operations on various aspects viz. Investment Advisory (Insurance, Mutual Funds, Direct Equities research Advisory), Asset product requirements (Car Loans, Home Loans, Personal Loans, Two-wheeler loans), Cards (Credit Cards, Forex Cards, Gift Cards, Gold Debit Cards) & Liabilities, Trade Forex, Trade Finance/ Remittances/ NRI Banking /AML / KYC, Risk & Fraud Management, Insurance / Mutual Funds and all Products.  Handled Business Banking requirements (Cash Credit, BG, LAP etc) and retail products such as On-line Securities Trading (HSL), & Demat.  Extended the customer base from 510 customers to 857 customers in 6 months time, Augmented the portfolio size for HNW’s deposits by 12 Crores in 6 months, Increased the business of Asset products from 21% to 81%. Additionally handled Forex Remittances for the Branch & supported the Non-Resident Zonal team. Received recognitions for innovations in acquiring new customers through various cost-effective promotions & channels.Loans/ Credit• Underwriting / Risk Analysis of proposals, mapping proposal parameters with policy• Audit (includes process and quality audit) & Review of Vendors & Business Associates, identifying malpractices & reporting to the concern departments• Training to In-house Sales Team, various Vendors & DSAs• Coordination between Sales, Credit, Operations & Collection Team• Maintaining Benchmark Credit & E2E TAT• Review of Portfolio Quality, its various indicators & taking corrective action by proposing policy changes Maintaining Portfolio Quality by way of portfolio review• Cost Management Show less Team Management Managed the performance of Senior Sales Officers & Sales Managers to meet the team targets. Encouraged bonded team work and positive attitude amongst the team member to ensure accomplishments. Implemented strategies for building team effectiveness by promoting a spirit of cooperation between team members.Business Development Was responsible for generating retail liability business for the bank with a team of Senior Sales Officers & Sales Managers. Handled the responsibility of acquiring of fresh HNI customers for the branch by sourcing premium A/c current A/c and Savings A/c, and was responsible for earning revenue for the bank by cross-selling BB, LAP and Trade finance also focusing on third party products (MF & Insurance).  Individually responsible for getting big value accounts for the bank to increase the book size of the branch and for Branch sales targets, ensured high quality service, customer relationship management, and branch audit and compliance, Planning and implementing various sales promotion programs for boosting the sales. Was responsible for achieving team targets as well as own individual targets by getting numbers as well as values. Customer Relationship Management Provided effective pre-sale and post-sale services to clients for boosting their satisfaction levels. Build & maintained healthy business relations with major clientele, ensuring maximum customer satisfaction by achieving delivery & quality norm, Attending investors/ clients concerns & complaints & undertaking steps for effectively resolving them & Identify existing branch customers who meet preferred product criteria. Portfolio Management Analysed the financial capabilities of clients for providing them cross sell product i.e. BB, LAP and Trade Finance, CMS also Mutual fund and Insurance. Explored the value enhancement from existing as well as new acquisition. Show less

  • AREA HEAD - ( SENIOR MANAGER - MERCHANT BANKING CARD DIVISION, CENTRAL DELHI & OLD DELHI

    Mar 2008 - Oct 2008

  • RELATIONSHIP MANAGER - PREFERRED BANKING

    Mar 2007 - Mar 2008

  • ASST BRANCH MANAGER - DEFENCE COLONY BRANCH

    Jan 2006 - Apr 2007
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  TATA TELESERVICES LTD.

  Oct 2008 - Sept 2013

  Circle Head- Nodal Legal Affairs & Corp. Regulatory Affairs /Audit & Risk Mgmt/ Customer Service.

  TATA TELESERVICES LTDCircle Head – Corporate Regulatory Affairs & Internal Audit & Risk/ Fraud Management, Cyber Security / CISSP, Customer Services, Andhra Pradesh &Telangana & Bihar & Jharkhand Circle (Oct 2008 to Date)• Responsible for following and anticipating regulatory developments and provide analysis and guidance to the company’s on the impact (opportunities/risks) that such developments might have on the company’s business. • Focus on regulatory developments regarding licenses, interconnection, access (fixed & mobile), spectrum, numbering, tapping, antitrust, convergence/content, Advise internally (1) on regulatory compliance of products/services & avoidance of legal risks and (2) on antitrust compliance & risks of concrete projects (transversal).• Be in regular contact with the appropriate authorities like Law Enforcement Agencies / Security Agencies, Government officials like DoT, TERM, TRAI, State/ Pan India in order to ensure that the company’s interests are adequately taken into account and nurture existing relationships with national regulators and develop further relationships where necessary;Responsibilities:• Regulatory Compliance & Risk management practices in market, credit, and operational risk • Interacting with state and national level Law Enforcement Agencies for providing them support in tracking crime / Anti social / National related activities./ Cyber Security Expertise.• Interacting with all Government bodies, Hon’ble Court behalf of the company for Relationship Management, compliance, regulatory and risk related matters.Specialties: Regulatory Affairs, Compliance, Due diligence, Regulatory support, Institutional framework & organizational, Experienced regulatory practitioner in emerging telecoms markets with significant exposure Regulatory Compliance & business planning, performance & risk management, Interconnect, Roaming, Mobile Banking, Privacy, Internet & DoT / Indian Telegraphic Rule/law Show less

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  Tata Docomo

  Sept 2014 - Sept 2015

  HUB HEAD - ( SENIOR MANAGER) LEGAL, SECRETARIAL & CORPORATE AFFAIRS, A P & TELANGANA, BR & JH.

  TATA TELESERVICES LTD.Hub Head - Corporate Regulatory Affairs for Andhra Pradesh & Telangana (Hyderabad)Key Results Area: Regulatory Compliance - Statutory Compliance ~ Vigilance Monitoring ~ People Management, Cyber Security / Information Security/CISSP & KYC/AML, Regulatory Economics , Compliance, Digital Payment & Pricing , E-Banking, Digital Marketing, November 2012 – April 2015 Hyderabad • Driving Regulatory Compliances of the company in coordination with other stake holders • Responsible for ensuring compliance on guidelines & regulations related to lawful interception & monitoring for Hub (Andhra Pradesh 7 Telangana & Bihar & Jharkhand .).• Ensuring proper support & coordination with regulatory authorities for & during various audit & inspections.• Responsible for timely submission/ sharing of data & reports to authorized regulatory & security agencies.• Team Management• Preventive action & necessary support to mitigate probable risks associated with regulatory non-compliances.SKILLS :- Legal , Regulatory Affairs & Statutory Compliance ~ Vigilance Monitoring ~ Mobile Banking, KYC, AML information Security, Regulatory Economics , Compliance, Digital Payment & Pricing , E-Banking, Digital Marketing, Cyber Security/ CISSP, People Management- close coordination with Law Enforcement Agencies, Extensive exposure & expertise in Legal & Regulatory functions, Negotiation,Supervisory Skills,Contract Negotiation,Settlement,Contract Management,Legal SystemLegal Document Preparation, Contract & Agreement Management, Litigations, legal researches, coordination with Lawyers of High Court, Civil Courts, Consumer Forum and other judicial & quasi-judicial bodies. Good exposure to liaison & compliances under DOT, TRAI, TERM Cells & LEAs and maintaining good relationship with the officials. Show less

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  Telenor Group

  May 2015 - Nov 2015

  HEAD - DEPUTY GENERAL MANAGER, NODAL & REGULATORY AFFAIRS , GOVERNMENT RELATIONS, BIHAR & JHARKHAND

  Responsibilities:Interacting with state and national level Law Enforcement Agencies for providing them support in tracking crime / Anti social /Anti National related activities.Regulatory Affairs, Compliance, Due diligence, Regulatory support, KYC, AML Institutional framework & organizational, Experienced regulatory practitioner in emerging telecoms markets with significant exposure Regulatory Compliance & business planning, Roaming, Mobile Banking, Regulatory Economics , Compliance, Digital Payment & Pricing , E-Banking, Digital Marketing, Privacy, Internet & DoT / Indian Telegraphic Rule/law, CYBER SECURITY/ INFORMATION SECURITY/ CISSP.Responsible for following and anticipating regulatory developments and provide analysis and guidance to the company’s on the impact (opportunities/risks) that such developments might have on the company’s business. • Focus on regulatory developments regarding licenses, interconnection, access (fixed & mobile), spectrum, numbering, tapping, antitrust, convergence/content, Advise internally (1) on regulatory compliance of products/services & avoidance of legal risks and (2) on antitrust compliance & risks of concrete projects (transversal).• Regulatory Compliance SKILLS :- Legal , Regulatory Affairs & Statutory Compliance ~ Vigilance Monitoring ~ Mobile Banking, KYC, AML information Security, Regulatory Economics , Compliance, Digital Payment & Pricing , E-Banking, Digital Marketing, Cyber Security/ CISSP, People Management- close coordination with Law Enforcement Agencies, Extensive exposure & expertise in Legal & Regulatory functions, Negotiation,Supervisory Skills,Contract Negotiation,Settlement,Contract Management,Legal SystemLegal Document Preparation, Contract & Agreement Management, Litigations, legal researches, coordination with Lawyers of High Court, Civil Courts, Consumer Forum and other judicial & quasi-judicial bodies. Show less

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  Idea Cellular Ltd

  Nov 2015 - Oct 2017

  Head - Legal, & Regulatory Affairs

  Idea Cellular Ltd . ( Aditya Birla Group) -Head – (Deputy General Manager) Regulatory Affairs, Legal & Nodal. Bihar & Jharkhand Circle (Nov 2015 to Date)SKILLS :- Legal , Regulatory Affairs & Statutory Compliance ~ Vigilance Monitoring ~ Mobile Banking, KYC, AML information Security, Regulatory Economics , Compliance, Digital Payment & Pricing , E-Banking, Digital Marketing, Cyber Security/ CISSP, People Management- close coordination with Law Enforcement Agencies, Extensive exposure & expertise in Legal & Regulatory functions, Negotiation,Supervisory Skills,Contract Negotiation,Settlement,Contract Management,Legal SystemLegal Document Preparation, Contract & Agreement Management, Litigations, legal researches, coordination with Lawyers of High Court, Civil Courts, Consumer Forum and other judicial & quasi-judicial bodies. Good exposure to liaison & compliances under DOT, TRAI, TERM Cells & LEAs and maintaining good relationship with the officials.Responsibilities:➢ To Monitor & ensure Licensing / Security & other compliances (laid by DoT / TRAI) are met in the circle and any deviation is properly escalated to CBH, Circle Functional Heads & Corporate Regulatory.➢ To ensure compliance of all reporting requirements to DoT/TRAI/TERM/Corporate Regulatory,Co-ordination with Network for ensuring Minimum Roll-Out Obligations.➢ Handling Regulatory Litigations of Bihar LSA (Pre-Activation and EMF), Submission of License Fee & Spectrum charges (as per AGR Policy & process) in time with CCA.➢ Meeting all LEAs requirements as per DoT guidelines/ Laws ∼ Interacting with TERM, DOT and Regulatory Dept, Bihar & Jharkhand pertaining to all the parameters of license conditions.∼ Interacting with all Government bodies, Hon’ble Court behalf of the company for Relationship Management, compliance, regulatory and risk related matters. Show less

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  A & A

  Sept 2017 - now

  Head

  Head -Operation, Fraud, Risk Management & Internal Control & Audit