Chennai, Tamil Nadu, India
A seasoned finance and risk management professional with over a decade of experience, bringing a comprehensive skillset across banking and manufacturing operations. Expertise in KYC, AML, SDN, Non-SDN, Risk Management, Credit Underwriting Risk Decision, Mortgage Underwriting, Order Management, and Invoice Cancellation. Proven ability to utilize ERP, SAP, Oracle, Salesforce CRM, banking tools such as ACBS, LTD, EBBS, and KYC/AML tools like Lexis Nexis, BVD Orbis, Duns and Bradsheet, Dow Jones. Demonstrated proficiency in SAP reports and SAP Query creation. KYC/AML Expertise: Adept in conducting Know Your Customer (KYC) and Anti-Money Laundering (AML) due diligence to ensure regulatory compliance and mitigate financial risks. Risk Management Prowess: Possess in-depth knowledge of risk management principles and methodologies, effectively evaluating creditworthiness, assessing financial risks, and implementing risk mitigation strategies. Financial Underwriting Expertise: Skilled in assessing financial data, evaluating credit applications, and making informed decisions on loan approvals. Order Management and Invoice Processing: Proven ability to manage order fulfillment processes, ensuring timely order execution and accurate invoice processing. Technical Proficiency: Proficient in utilizing a wide range of ERP, CRM, and KYC/AML tools, including SAP, Oracle, Salesforce, ACBS, LTD, EBBS, Lexis Nexis, BVD Orbis, Duns and Bradsheet, and Dow Jones. SAP Reporting Expertise: Demonstrate strong proficiency in creating and analyzing SAP reports to gain valuable insights and inform strategic decision-making. Roles and Responsibilities: *Monthly MIS and Forecasting Volumes. *Performing KPI and KRI Metrics. *Being as Pacesetter
•Performing due diligence on the customer’s KYC records during onboarding and periodically based on the client risk category. • Conducting CIP to check if all client information’s are consistent as per policy. • Based on the diagnosis results, enhanced due diligence checks need to be conducted which include negative news and social media checks. Categorized Crime based on the material and reputation risk of the customer. • Information such as customer’s address, employment (including employer), connectivity to PEP/SPF (Sanctions Screening), will be validated and confirmed by verifying the information in the third-party tools such as Lexis Nexis, D&B, Innovis, PACER. • Co-ordinating with different stake holder customers facing channels, technical teams, procedure, and quality teams for ensuring to meet the agreed SLA’s.
KYC /AML Operations •Performing due diligence on the customer’s KYC records during onboarding and periodically based on the client risk category. • Conducting CIP to check if all client information’s are consistent as per policy. • Based on the diagnosis results, enhanced due diligence checks need to be conducted which include negative news and social media checks. Categorized Crime based on the material and reputation risk of the customer. • Information such as customer’s address, employment (including employer), connectivity to PEP/SPF (Sanctions Screening), will be validated and confirmed by verifying the information in the third-party tools such as Lexis Nexis, D&B, Innovis, PACER. • Co-ordinating with different stake holder customers facing channels, technical teams, procedure, and quality teams for ensuring to meet the agreed SLA’s.
KYC ,Watchlist Screening , Adverse Media , Shareholder Screening . 1. Lexis Nexis 2. Dow Jones 3. Bridger 4. Orbis Preparing Due Diligence report for onboarding the customers with Compliance policy. Understanding and processing with Company’s compliance policy. Conducts enhanced due diligence research in attempts to find derogatory/background information used to aid company's decisions in initiating, maintaining or closing business relationships AML screening by using tools like Bridger, Lexis Nexis, Dow Jones, D&B. Performing AML screening for Treasury team and releasing the held payments. Performed the require KYC & AML screenings on customers documenting the information obtained on the clients as required by KYC procedures. Identifies accurate risk rating for individual/ non-individual accounts to highlight high risk jurisdictions, cash intensive/high risk business and Politically Exposed Persons(PEP's) or Relatives or Close Associates(RCA's) Basic ITC (International Trade Compliance) Knowledge. Closing the huge volume of alerts in Bridger tool with 100% accuracy. Working and Improving on RPA tool for cost efficient due diligence report. Screening the customers with OFAC SDN/OFAC Non-SDN, EU Sanction, UK Sanctions, etc. Very good knowledge on tools like Orbis, Lexis Nexis Diligence, Dow Jones, D&B. Preparing Standard & Heightened Due Diligence Report
Worked in General Electric (GE) from April-2017 and moved to GENPACT (with same activity performed in GE) in Dec-2018 due to Business Transfer) Responsible for analyzing the commercial credit worthiness of customers and suppliers within one or more industrial businesses and calculating the aggregate risk exposure globally. • Analyzing the financial statement of the customers and calculating the risk scores, recommend commercial credit limits, determine credit terms, and provide the information into applicable system and process credit order releases. • Involved in End-to-End Customer Account setup, credit review and order release process for the global customer via SFDC and SAP. Also, ensure all the customer queries are handled on time. • Responsible for monitoring the credit order hold queue of the global customer in the Oil and Gas Business. Finalizing the order hold release decision on considering the past due status of the customer and credit evaluation. • Effectively navigating the multiple credit database [BVD, D&B, CRMZ, and Experian] receivable systems and internal processes to deliver accurate and timely credit risk recommendations for the customers. Create and manage various credit aging data reports for the customers and present it to the management for critical business decisions. Skills : Risk Management ,Credit risk decision , mitigate risk , Analysis financial and providing limit , Team Handling , diversified banking domain experience wholesale banking , US mortgage underwriting. Tool's Used [Erp's : SAP ,Oracle] , Salesforce & Banking(ACBS, LTP, EBBS) Tools
*Interface effectively with industrial business leadership to articulate the transactional and customer risk, while recommending possible mitigating instruments; *Deliver a OneCredit commercial onboarding solution linking KYC, Credit, Terms, ERP Set Up and Order Release driving reduced hand offs and improved cycle time; *Effectively perform timely credit risk analysis on new and existing commercial customers as prompted by queuing structures or management direction leveraging multiple sources of data used in providing a recommended commercial credit limit; *Provide deep dive customer analytics typically consisting of: multi-source financial ratings matrix, company background, financial statement analysis, global AR exposure, credit limit recommendation, SWOT analysis, industry performance and summary of key events; *Maintain high standards of data quality within the data sets for credit risk models and external reporting *Support seamless new client onboarding to the Global Operations team and meeting ongoing service level agreement requirements; *Navigate effectively within multiple credit tools, receivable systems and internal processes to deliver accurate and timely credit risk recommendations (CREDITRISKMONITOR, Moody’s, eRAM, Salesforce, GECARS, Dun & Bradstreet, Bureau Van Djik, etc.); *Ensure execution of the Industrial Risk policy and adherence to established delegation of authorities by the businesses and Global Operations
Ensure that the documents obtained are accurate, valid and legally enforceable. Making Sure Pre-processing Activity is been carried out correctly and send the confirmation to LDU ( Legal Documentation Unit ) Ensure that the updates in CMS (Collateral Management System), especially view securities are done accurately as per terms of BCA. Lodge /Retrieve Documents as per relevant guidelines. Monitor/ diarize the customer records as per Credit comments in order to in-line with documents. Accurate input of limits as per facility provided in the BCA and SCC/PSCC loading the same in the TP system’s Marking of liens and advice to other departments where the customer is on the credit score. Accurate input of fee draw down, accurate input of interest , fee, margin and commission to the customer based on the BCA and RM’s Call Making drawdown to the customer in a timely manner with customer satisfaction liaise with LPU (Loan Processing Unit ) for the same. Ensure that entries to Customer accounts and General Ledger Accounts are prepared and posted correctly Ensure customer profile is been created and maintained properly in SCI system. Ensure timely escalation to the senior management of any exception notice related to work and environment. Compliance with All relevant Group Policies related to respective segments Compliance with all Group Operation Risk Procedures Loans Profile: Corporate/Syndication/Retail Loan Input of Loan drawdown, rollover and repayment of the customer Perform the Pre-closure of the loan or repayment of the loan with the break funding cost levied if applicable. Update or change the repayment schedules as per customer request. Adjustment/Manual entries posting on PSGL(People Soft General Ledge)/customer a/c’s Trade Products: Letter of Credit’s ( Secured and Unsecured) Bank Guarantee’s
Job Profile: As Part of Origination team we would be performing the activities such as Document Uploading , Pre-Underwriting and analyzing the documents in-depth for Bank Of America (BOA) Classification of loan documents and understanding the document type Data validating for the documents Data collection & reviewing and uploading for Bank of America Pre-Underwriting the borrower’s documents and evaluating the credit worthiness of the borrower if there are any discrepancies we would be sending back the relevant document to the borrower. Analyzing the documents like Internal Revenue Service(IRS), Pay Stub, Loan Application, Borrowers Certification, Title document etc.. Roles and Responsibilities: • Allocating Work Cases for the associates. • Consolidation of work log files in EOD and sending report. • Doing Management Information System (MIS) on daily basis. • Forecasting of volume of mails on weekly and making data inference. • Being a Quality Checker (QC) and marking errors