Officer
Mashreq Bank
Total years of experience :16 years, 11 Months
Highlights:
• Bestowed with Extra Miles Awards for exceptional performance.
• Acknowledged with Employee of the Month Award for outstanding performance in Core Banking Project during the year 2012.
• Bequeathed with Three Spot reward for excellent performance and completing different projects.
• Chosen from the department for managing new challenging project pertaining to Core Banking and Oracle Flex Cube.
• Attended several online courses of the bank comprising of UAE Banking Laws, Fundamentals of Banking, Anti Money Laundering, Business Excellence, Mashreq IT-Securities & Mashreq Fraud Awareness Program.
CIBG& RBG:
Key Responsibilities:
• Managing all pertinent tasks associated with opening of new account for Corporate & Retail Customers inclusive of verifying documents of applicants and analyzing customer bank statements to assure all terms/ conditions are met in accordance with KYC / bank policies and operational risk parameters.
• Carrying out weekly visits to CIBG offices in Abu Dhabi and DIC to reduce the rejection rate, simultaneously proffering training to RM / Coordinators to ensure smooth execution of workflow.
• Streamlining the preparation of periodic MIS reports on a daily basis for all Corporate& Retail Account openings and Fixed Deposits in CIBG& RBG segment, thus submitting the same to the senior management for efficient decision making.
• Scrutinizing complex documentation cases for altering signature mandate for Corporate & Retail Customers and accordingly updating the system with requisite changes consistent with overall goals and objectives of the bank.
•Efficiently dealing with exception cases and conducting follow ups for their resolution, thus responsible for A/C maintenance for existing CIBG & SME accounts in order to issue ATM Cards, Online Facilities, 3rd party transfers & CIS Updating.
• Ascertaining that accurate volume and data is captured on daily basis in the Performance MIS Program implemented by the bank to enhance smooth functioning.
• Conducting E name and world checks for the company and individuals.
• Quality Control and Performance monitoring of both teams in terms of Audit/Legal/ Compliance division and Banking policies
Central Operation - Bank Policies:
Key Responsibilities:
• Instrumental in acquiring claims documents from the concerned group/department, thus studying the documents to come to a decision whether the loss is insured or not and accordingly arranging claims documents and approving the claims from the insurance company.
• Overseeing the supervision of subsequent Loans Declarations, Claims and Payments, thus fostering effective channels of communication with Insurance Companies like AXA, OIC, ALICO and Med Gulf for the purpose of policy renewal, invoices and the payments and accordingly confirming the Payments with the insurance companies for better workflow.
• Imparting advice to the management on insurance related issues as well as recommending Credit OPS on policy’s assignment and Premium Payments Receipt (PPR) to enable them to grant loans to corporate customers.
• Gathering data/information from the CAD, Admin, Groups/ Divisions locally and globally, simultaneously compiling the data in a Proposal Form and accordingly sending the data to insurance companies to obtain quotations and accordingly studying & analyzing the quotations to choose the best policy in respect of rates, terms and conditions.
• Preparing payments once the invoices are received for the claims including Life/Death claims, Credit Shield claims, POS claims and ILOE Claims, thereby receiving applications for Travel Insurance, Golden shield & Future guard.
• Streamlining the preparation of provision report for all the Loans policies and accordingly providing the same to CAD and monitoring them in accordance with premium & volume reports for Management.
Core Banking (Projects) - PMO:
Key Responsibilities:
• Ascertaining that all activities correlated to Core Banking implementation are completed within the specific deadlines as mentioned in the program plan and all signoffs are arranged within the agreed timelines.
• Ensuring that all phases of testing are conducted / completed within projected timelines and all the test cases assigned are executed and validated on daily basis in accordance with the agreed plan.
• Supervising overall aspects of testing for Core Banking program including stake holders, vendors and infrastructure, thus assigned tasks and responsibilities to appropriate personnel as agreed / planned to ensure smooth functioning of day to day activities.
• Designing progress reports, proposals, requirements, documentation and presentations, thereby submitting the same to the senior management for further corrective measures.
• Proactively managed the changes in projects scope, thus identified potential crisis and devised contingency plans for seamless functioning of activities leading to optimal growth chart of the organization.
• Maintaining professional business relationships vital to the success of the project, thus assuring strict compliance with agreed deadlines along with planning, implementing and finalizing assignments according to strict deadlines.
• Keeping the working committee members posted of all decisions / issues and arranging regular update meetings to update the WC members and apprising them of the progress on the project.
• Working in close collaboration with OFSSL (Oracle Financial Services software Limited) and Core Team for listing out all static parameters for all Mashreq locations and accordingly finalizing the nomenclature to enhance proper flow of work.
• Managing the Set-up of product parameters based on signed-off templates, thus ensuring that all static parameters are setup in FlexCube as per the product features and business rules.
• Making sure that parameters related to Surviving applications and SIT are setup as essential for better functioning of the operation in an efficient and effective manner.
As a ATM Officer - CCAM:
Key Responsibilities:
• Assumed responsibility for opening and maintaining staff accounts encompassing Mashreq bank, Osool, Mindscape, TBMS and Al Kafaat along with centralized opening of Payroll Accounts for direct sales team to enhance better workflow.
• Solely managed and monitored Online Banking products pertaining to Mashreq Online Money Transfer in line with company’s rules and regulations.
• Responded to queries of various branches related to account opening and other online products for seamless functioning of activities leading to optimal growth chart of the bank.
• Instrumental in processing ATM deposits, thus resolved discrepancies regarding failed transactions and took constructive actions. Supervised the investigation and resolution process of ATM & CCDM transaction disputes.
• Responsible for updating data for Mashreq millionaire customers and verifying Mashreq Millionaire certificate prior to the MM draw each month.
• Efficiently handling New Cheque book request and queries related to Cheque books as well as Signature verification for Cheque books, fixed deposits and for all types of accounts.
• Monitoring cash position each day of all ATMs during the dawn. Oversaw the supervision of the work done by the vendors for ATM replenishment and cash collection from various branches to ascertain smooth functioning.
• Responsible for reconciling the excess / shortage cases and accordingly providing the information to reconciliation departments to reconcile the outstanding entries in adherence to accounting principles & standards.
• Actively involved in resolving all Offsite and Branch ATMs & CCDM related enquiries across UAE, thereby maintained and analyzed GL accounts of all ATMs and Cash to ensure that all funds are in balance.
Highlights:
• Received best performance award for achieving the target of 15 policies monthly.
• Efficiently coordinated summer training working for Aviva Life insurance Company.
• Played a pivotal role in achieving surplus sales target constantly.
• Successfully attained certificate from the company.
Key Responsibilities:
• Organized presentation at component level and provided strategic analysis and inputs to the clients in creating and implementing turnkey financial solutions.
• Analyzed client’s financial situation and identified investment objectives through a comprehensive/ customized business planning process.
• Imparted training to the juniors regarding various products of the company to enrich their competencies for achieving business goals.
• Interacted with customers for explaining features, advantages/disadvantages of various insurance policies for promoting sale of insurance plans.
• Advised customers in relation to customer’s financial objectives pertaining to customer’s wallet share, financial planning and portfolio management.
• Assisted clients to improve their financial performance by reducing costs caused by exposure to risk and provided them with conditions for further development of their operations.
• Ensured all service clauses are duly adhered to and all customer complaints are addressed within a reasonable time frame. Established overall directions, process flow and standards in the company to deliver targeted results.