Experience

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  Bny

  Jan 2006 - Jan 2009

  Operation executive
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  Ust

  Feb 2010 - Feb 2011

  Process associate
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  The muthoot group

  Apr 2012 - Sept 2015

  Account executive

  • Conceptualized and implemented Prepaid Wallet System; aligned all the back-end partners, tech. team and the front-end marketing activities for the Muthoot Wallet Services.• Streamlined the Travels Mart Operations in UK. • Started the AML - Compliance Center for Royal Money in Kochi.• Efficiently conducted the technology partner and the sponsor bank migration of old prepaid cards issued under the banner M Power Cards to Muthoot Money Cards. • Appointed as the Nodal Officer on behalf of the Muthoot Group to the DPSS in RBI in 2014.• Served as a SPOC person from the Muthoot team with the CISA audit team for conducting CISA Audit of the Royal Money Platform.• Successfully launched the Domestic Remittance and Value-Added Services for the Muthoot Finance Ltd. Branches. • Played a key role in Muthoot Finance Team to get IMPS Switch from NPCI and launched the Wallet services under the branch name Muthoot Wallet and Instant Fund Transfers named Muthoot Money.• Introduced Oxigen Wallet Services and FINO Pay Remittances through Muthoot Finance branches; integrated External Vendors Application like Oxigen Application and FINO Pay with the Muthoot Internal Accounting Software; successfully processed Bank Guarantee for Oxigen Services.• Hold the credit of setting up and starting call center operations for the Royal Exchange USA Pvt. Ltd., a subsidiary of Muthoot Finance Ltd. at Kochi.• Obtained and Managed partnerships with VISA and Mastercard.• Created an automated ecosystem facilitating system generated reports and the Policies for running Muthoot Money Application. Show less

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  Buzzfactr technologies pvt ltd

  Oct 2015 - Nov 2016

  Finance officer
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  Avenues payments india pvt. ltd

  Dec 2016 - Jun 2018

  Senior compliance analyst

  • Work on the approval & ongoing review of new accounts to ensure that regulatory requirements are met, including identifying, verifying, documenting and escalating the irregularities based on gap analysis conducted on all available legal documentation.• Provide internal verification and remediation support as required. • Review of account opening documentation to identify the account structure.• Checking profiles for completeness and verification to determine plausibility based on the information provided or any inconsistency detected.• Conducting up to date due diligence searches through various database and portals provided.• Conducting onboarding and periodic reviews for new accounts.• Provide support and act as a backup staff with regards to any other ongoing periodic adhoc reviews.𝐀𝐂𝐇𝐈𝐄𝐕𝐄𝐌𝐄𝐍𝐓𝐒• Tested and implemented the Outward Remittance Platform and went Live with Kotak Mahindra Bank and the DCB Bank.• Was the Point of Contact for Outward Remittance Platform for the vendor Banks. • Created a team of 8 people from scratch in the Compliance Department. • Launched a risk score mechanism for the customers in the Remittance Application. Show less

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  Nucleus commercial finance

  Jul 2018 - Feb 2019

  Operations analyst

  • On-boarding of new clients signed by client service managers in UK.• Investigate, analyse and document client’s KYC’s• Maintain Risk Control Assessments (Risk Matrix) for all areas ensuring these are regularly reviewed and updated.• Review operational risk events and assess their impact.• Assist in the documentation for onboarding with banks and account openings/closing/updating signatures.• Prepare credit risk score card & risk analysis of the assigned clients.• Cash Reconciliation - Daily cash posting and the reconciliation of the cash received. • Receivables Management - Continuously monitor the bank and the creditor’s statement of the clients, prepare the debtor monitoring sheet for the clients. • Contribute to developing processes/procedures for Finance Operations. Show less

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  Hdfc bank

  Mar 2019 - Apr 2022

  Manager - direct banking operations

  • Identify, plan, quantify and implement process optimization to enhance efficiency, automation / robotics resulting in reduction in TAT, error rates, cost, FTE, scrap and rework.• Design and development of target operating model for key areas with banking back office operation covering process, people, technology and Governance.• Team Management - Lead, mentor & monitor the compliance team to manage escalations, customer grievances, AML adherence, and relationship management with the Product team and the customers.• Perform Bank reconciliations for assigned multi-currency prepaid cards and Debit card processing/segregated or operating bank accounts ensuring that differences are investigated and corrected without delay.• Monitor all banking activities/transactions to detect irregularities and ensure necessary action taken within a timely basis and remedial steps taken wherever needed.• Lead customer documentation including the credit checks and AML checks of the Customers while on boarding the customers for Net banking, Fastag wallets and Retail Cards.• Management of Fastag wallets – Recharges, updating the risk categorization, follow up and monitor on receivables. • Risk Analysis, AML Analysis and Negative Database checking of the new customers on boarded. • Set Up Creation Activity for the merchants to be done in the Bank Internal Application.• Solving the queries from Aggregators regarding merchant Set Up.• Assist auditors – internal and external – with documentation required for the auditors to do their job satisfactorily. Show less

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  Cashfree payments

  Apr 2022 - May 2023

  Manager - banking operations team
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  Kotak mahindra bank

  Apr 2023 - now

  Senior manager
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  Kotak mahindra bank

  -

  Senior manager