Sanctions Investigator
HSBC - United Arab Emirates
Total years of experience :14 years, 4 Months
I handle the Global Case investigations under Sanctions Compliance Team with the Financial Crime Risk Unit In Dubai
Have helped in closing cases acting as a Champ and being a one point of contact of the team with the UK Region
Senior Credit Officer, Analysis (Loans & Cards) September 2007-June 2008
Barclays Bank PLC, Dubai, UAE
Responsibilities included - Checking & Analyzing loans & cards documentations within stipulated Service Level Agreements, and recommending credit limits as per customer eligibility.
* Reviewing and checking the Income documents, Bank Statement, KYC Documents, Application Form and other Mandatory Documents required to evaluate the credit worthiness of the customer applying for loans or cards.
* Performing the Income calculation for the salaried & self-employed customers from the Income documents like (Pay Slip, salary certificate, labor Contract and bank statements) to find the net salary of the customer.
* Perform De-dupe activity with Customer name (First and Last name), Date of Birth, Mobile number, Passport number to find whether the customer is having any facility with the bank and if yes what is the Liabilities customer owes to the bank.
* Review contact point verification and field visit reports to make accurate decisions in totality.
* Involved in review of reinstate (pending/decline) cases with sales team to support business and lead to customer satisfaction.
* Follow up with Fraud Management Unit (FMU) for checking of fraudulent applications and maintain an Internal Fraud MIS for the department.
* Ensured achievement of satisfactory rating in all internal and external audits & PAR team.
Last Work Details
Senior Credit Officer, Analysis (Loans & Cards)
September 2007-June 2008
Barclays Bank PLC, Dubai, UAE
Responsibilities included -
Checking & Analysing loans & cards documentations within stipulated Service Level Agreements, and recommending credit limits as per customer eligibility.
Reviewing and checking the Income documents, Bank Statement, KYC Documents, Application Form and other Mandatory Documents required to evaluate the credit worthiness of the customer applying for loans or cards.
Performing the Income calculation for the salaried & self-employed customers from the Income documents like (Pay Slip, salary certificate, labour Contract and bank statements) to find the net salary of the customer.
Perform De-dupe activity with Customer name (First and Last name), Date of Birth, Mobile number, Passport number to find whether the customer is having any facility with the bank and if yes what is the Liabilities customer owes to the bank.
Review contact point verification and field visit reports to make accurate decisions in totality.
Involved in review of reinstate (pending/decline) cases with sales team to support business and lead to customer satisfaction.
Follow up with Fraud Management Unit (FMU) for checking of fraudulent applications and maintain an Internal Fraud MIS for the department.
Ensured achievement of satisfactory rating in all internal and external audits & PAR team.
Team Leader, Contact Point Verification
ABN AMRO BANK, Dubai, UAE April 2005 - August 2007
• Leading a team of 14 CPV Officers, to ensure quality call were made within the TAT.
• Entrusted with the responsibility of ensuring the complete product and policy training of the team members.
• Ensuring call quality guidelines were adhered to appropriate scripts was followed.
• Reviewing and submitting Productivity reports on a daily basis of the allocated team to the management.
Credit Analyst - Cards Division July 2004-April 2005
ABN AMRO BANK, Dubai, UAE
• Checking & Analyzing card documentations within stipulated Service Level Agreements, Recommending for credit limits as per delegation authority.
• Analyzing and Executing Customer complaints within the specific turn around time.
• Problem solving and troubleshooting generated by the internal departments of the bank.
• Examining status of card accounts and developing the statistical data for the same.
• Monitoring and submitting productivity reports to the top management for non-approved cards month wise
• Gained skills to analyze data of buyout card accounts against the competition bank.
• Financial and Budget MIS maintained for the procurement systems from the Finance Department.
• Analytical skills obtained for closures of dual client card accounts within the banking policies.
Relationship Manager October 2002-October 2003
GE COUNTRWIDE FINANCIAL SERVICES INDIA
• Recruited by the Regional Manager to evaluate Client Credibility by analyzing the credentials provided for a Risk Loan Program.
• Assigned to involve and develop market strategies towards the increase in Sales of the Non Banking Financial Institution.
• Prepared Reports based on the financial statements on an individual and consolidated business.
• Learned to verify details provided by the Customer Verification Unit of the Non Banking Financial Institution.
• Successfully achieved 130%-140% of targets set by the company.
Corporate Relations Executive July 2001-October 2002
CITIBANK-SHELTERS INDIA
• Identified multi-national companies as a sourcing line and initialized corporate tie-ups for the employee loan product program of the bank.
• Increased sales by marketing specific product lines to employees of the qualified corporations
• Successfully achieved 100% of targets set by the company.
• Bachelor of Commerce from University of Madras Anna Adarsh College for Women • MS Office / HTML / Lotus 123 / MS PowerPoint / Excel / MS Dos / MS Word. • Interests- Music, Traveling and Socializing with people from all over the world.