Jubi Varughese

• Managed end-to-end CMS client lifecycle including document review, workflow creation, validation, and
authorised signatory verification per Board Resolutions and risk matrix guidelines.
• Conducted KYC and Customer Due Diligence (CDD) reviews for corporate CMS clients, ensuring full
regulatory compliance and mitigating risk exposure during onboarding and periodic reviews.
• Operated and maintained CMS products including NETIT, E-Tax, E-Collection, NACH, and Dividend
processing for corporate banking clients.
• Gathered and analysed business requirements to support operational efficiency improvements and timely
service delivery.
• Verified authorised signatory details and ensured adherence to internal risk matrix policies and RBI KYC
guidelines.

• Responsible for Cash and customer transactions.
• Cash receipts, Deposits and payments, Cash Balancing
• Handling the banking system Vault custodian
• Filing of End of the day Reports (EOD)
• Handling Non cash transactions like DD/MC/TC, Fund transfer ( RTGS/NEFT/BULK NEFT and salary upload), Outward remittance.
• Register updating on EOD Cash position, Instruments issued etc.
• Responsible for high quality service, customer relationship management, Queue Management & Branch Audit & Compliance.
• High attention to detail, accuracy as well as customer service orientation.
• Issuing of multi currency cards
• Handling of Cheque related queries
• Monthly targets of CASA, Personal Loans/Business loan/Home Loan, SIPs.
• Managing account closures
• Deliverables custodian
• Managing recurring deposits fixed deposits both booking and liquidation.
• Managing branch claims like telephone bills, stationery items etc

• Supervised and authorised high-volume non-cash transactions (200+ daily) including DD/MC/TC, fund
transfers, and inward/outward foreign remittances, achieving 99.5% balancing accuracy.
• Streamlined FX application review for inward/outward remittances and AD Code generation, reducing
processing time by 20% through process re-engineering and system updates.
• Supervised branch dummy and suspense accounts, maintaining 100% accuracy and full regulatory
compliance at all times.
• Analysed customer profiles and transaction patterns to detect AML/Anti-Money Laundering risks; escalated
suspicious activity reports per PMLA and RBI guidelines.
• Ensured KYC and Due Diligence compliance with 100% pass rate in all internal and external audits.
• Led floor operations ensuring zero customer complaints; achieved 100% customer satisfaction targets.
• Exceeded monthly targets for CASA, Personal Loans, Business Loans, Home Loans, and SIPs by 10-15%.

• Performed daily reconciliation and audit of cash vaults exceeding INR 1 Crore, ensuring precision in cash
management and security of reserves.
• Handled high-volume cash and non-cash customer transactions with consistently high accuracy under
stringent regulatory standards.
• Conducted Enhanced Due Diligence (EDD) investigations and performed KYC document verification to
ensure AML/CFT compliance.
• Ensured timely delivery of customer deliverables (Cheque Books, Debit Cards, Welcome Kits) maintaining
high satisfaction scores.
• Resolved customer queries and complaints, providing tailored financial product information and service
support.

• Handled daily cash and non-cash transactions including fund transfers, DD processing, and customer
account services.
• Assisted in branch KYC documentation and customer onboarding in compliance with RBI and PMLA
regulatory requirements.

• Opened an average of 25 CASA accounts per week while ensuring full compliance with regulatory
requirements and KYC documentation standards.
• Updated KYC documents for 95% of active customer accounts; resolved 50+ cheque-related queries
monthly.