Having 3+ Years of experience in handling in Trade Finance Operations
Anti Money Laundering:
Documents will raise by the branch.
In case of positive matches against negative list filing online STR (Suspicious Transaction Report) through AMLOCK .
Scanning of all documents if any hits arise means we will report to AML team for approval.
Processing of bill after getting the approval from AML and we will close.
-Transaction Reporting
Remittances:
Remittances (payments) for Domestic, UK, Belgium at Global Trade Services Unit, Axis Bank limited, my responsibilities include:
Inward remittances:
Scrutiny of the MT 103 messages received and checking for the adherence to AML
Processing the transaction if the payment comply with the AML policy and provided all the mandatory fields are in place.
Nostro reconciliation on daily basis.
Taking FX-Online deals for the cross-currency transactions.
Funds reporting to treasury on timely basis.
Query handling.
Outward remittances:
Scrutiny of the customer request received and checking for the adherence to AML
Processing the transaction in FINACLE
Making and Verifying of MT 103/MT 202 swift messages.
Checking out intermediary banks for the swift to be routed.
Taking FX-Online deals for the cross-currency transactions.
Nostro reconciliation on daily basis.
Meeting the deadlines of currency cut-offs for processing as well as for funds reporting to treasury.
Query handling.
Preparing monthly reports.
Trade finance operations:
Very Good Company to work with.
Branch Management
Managing complete branch operations with key focus on top line and bottom line profitability by ensuring optimal utilization of available resources.
Taking adequate measures for maintaining balance between the available funds and the requirement, meeting pre-set revenue / profitability norms. Training of staff at Branches on all related operational issues.
Operations Management
Managing the overall functioning of process, identifying improvement areas and implementing adequate measures to maximize customer satisfaction level.
Coordinating internal, external & regulatory audit / inspections; evaluating internal control systems / procedures with a view to highlight the shortcomings and implementing necessary recommendations.
Participating in system development to fulfil banking norms and other regulatory issues and make sure that controls are built up in the system along with technology department.
Reviewing Policies & Procedures of retail banking and insurance products on regular basis to update any upcoming instruction from Management and compliance.
Client Servicing
Mapping client’s requirements and providing them with best banking solutions and insurance products to suit their needs.
Handling customer centric banking operations & ensuring satisfaction by achieving delivery & quality norms.
Interacting directly with clients and redressing queries & issues to their optimum satisfaction and resolving crucial & l
Managing daily activities of Front Desk, to ensure quality service is maintain in accordance with the organization’s standards, departmental procedure
Managing daily activities of Front Desk, to ensure quality service is maintain in accordance with the organization’s standards, departmental procedures and operating issues.
Branch Operations
] Handling branch operations – Clearing, RTGS/NEFT, Fund Transfers & other allied activities.
] Managing Operations & Queries like A/c opening, fixed & recurring deposits, Lockers, etc.
] Expertise in Processing the outward remittance transactions & issue Foreign Telegraphic Transfer (FTT) and Foreign Demand Draft (FDD) through swift message.
] Responsible for increasing the Trade and FX income and ensuring the customers are guided regarding the rates and charges.
] Taking care of Travel currency cards & Forex Encashment.
] Maximizing the inward & outward remittance deals by continuous interaction with NRI Clients
] Responsible for handling and settlement of export/ Import documentation.
] Ensuring error free transaction execution in the system.
] Monitoring the Office accounts and securing satisfactory audit rating.
] Prospecting clients through references as well as building relations for creating awareness of insurance needs among the customers to increase the insurable ratio for the branch.
Client Servicing
] Managing customer service operations for rendering and achieving quality services.
] Responsible for resolving customer complaints on performance bottlenecks.
] Solving queries raised by Retail as well as Corporate Customers & other units regarding Trade Financ
Great place to work along with work life balance maintenance
It was in my last organization, namely, Axis Bank Limited, I was handling profile of Corporate Salary Manager with almost 200 corporates mapped to me. One among those was Indian Army, where soldiers most of the time were seen on border with no internet/Wi-Fi available except on cell phones and they move from one place to another and seldom get time to visit bank branch during working hours in regard to money transfer for there families. So, they requested bank to increase the working hours for them else they will be moving to competition bank as the same was not possible as per RBI guidelines. To give them a resolution, I along with my team promoted IMT (Instant money Transfer).
IMT is an innovative domestic money remittance service that allows you to send money to a receiver only by using the receiver's mobile number. The receiver can withdraw money from an Axis Bank ATM with or without using a card. The receiver receives all the details required for withdrawal of the cash on his or her mobile phone.
Now, with this facility they can send money to their family through mobile itself at that too at any time. This product has helped me in increasing cross sell/up selling with many products like family accounts Mortgages, D mat/ OTR/ Trading accounts, Insurance - General & Life, Mutual Funds, Gold bars and many more.
By this, I learned that nothing is impossible and every problem has a solution and where there is a will there is a way.
A typical day at work starts with morning con-call which covers the up trends in the market, business numbers, focus for the week, followed by analyzing MIS & Business Reports to understand sales trends, identify grey areas & resolve issues accordingly. Major portion of the day goes into conceptualizing & driving rolled out campaigns, prepare MIS reports, liaison with other departments, Central office & teams for synergy & activation of channel. I am also responsible for biweekly coaching & mentoring sessions of Relationship Managers & Service Relationship Managers, driving recruitment & selection of manpower as per shortfall.
Key learnings of my job are: Business Management, Clients servicing & relationship management, People management, conducting the full recruitment cycle/ HR Management, Administration & Event Management, Banking & Financial operations, MIS Insights, Advanced Excel skills.
The top management is very supportive and easily approachable, always helping to take on new challenges, learn new strategies & growing vertically in the organization.
The workplace has a friendly culture, with everyone trying to support each other.
The most enjoyable part of the job is you get to meet & interact with a lot of people during the day & this helps to learn a lot of things & understand different perspective to one situation.
The hardest part of the job would be the long working hours.
ProsGet to meet & interact with a lot of people during the day
An experienced professional with having nearly 35 years of experience in Strategic Planning, Sales, Banking Operations, Rural/SME/Retail Credit Operations, Client Relationship Management, Inspection and Audit, MIS Management and Resource Management.
Just retired from Axis Bank as Vice President (Head of Internal Audit Eastern India), where I was entrusted with the responsibilities of Formulating business plans / strategies for maximizing profitability and revenue generation & realize organizational goals. Planning quarter wise audit of Branches spread over 12 states of Eastern India. Reviewing Reports placed by auditors and rating as per risk both for operation and business and finally released to the Branches for corrections and removal of audit observations. Preparing Synopses of audit reports and placed before top management for final vetting.
I have previously worked for close to 20 years in United Bank of India and handled array of responsibilities as Officer.
My goal is to transit my enthusiasm & experience into a position, where I continue to provide the strategic leadership critical to achieve organizational goal. I am certain that my presence in your team will prove to be beneficial to your organization. As such, I would welcome an opportunity to speak with you to evaluate your needs & share my ideas.
I have thoroughly enjoyed my job so far with positivity.
ProsWeek end Holidays
ConsPen down by 7 PM
3.0
Certified Public Accountant | Kochi, Kerala | 3 May 2014
Good
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• HDFC Bank Ltd:- Worked as All Kerala Branch Coordinator in Auto Loans Section (Job Profile :-All Files Logging in FIN ONE,PDD Updating in LMS, Customer Services, Kerala Branch MIS Report on daily basis, All files updating in Excel format ,Application Data entry, Disbursement data report on daily and month wise & etc)
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responsibilities at Branch Banking:
Clearing transaction upload maintenance/verification, Maintenance of Inward/outward clearing zones
Entry & verification of Easypay entries
FD & RD Accounts opening, maintenance & renewal
Salary & transfer transaction upload maintenance
Cash Deposits & withdrawals
Transaction Maintenance for travel card transaction
General customer accounts maintenance & transfer of accounts between schemes
Demand Draft status upload/print/maintenance
RTGS, NEFT entry/verification & bulk NEFT upload
ATM reconciliation in Excel and loading
Acting as leave reserve for operations head position
Cross selling of investment products like life insurance, general insurance, mutual funds ,gold coins,CASA and demat A/c and loans.
responsibilities at Currency Chest:
Handling Currency chest cash management as join custodian.
Responsible for proper cash sorting activity which offloaded by various branches.
Reporting counterfeit notes to AMLOCK software.
Updating of RBI registers on daily basis.
Reporting daily cash balance to RBI on daily basis.
Handling diversion to other currency chests and soiled notes remittance to RBI on need basis.
Daily follow-ups with branches for CRL control.
Supply of proper sorted cash to branches for customer payment and atm loadings.
Tracking cash movement vehicles by using GPS software.
A discussion on “How You Have Fun at Work”Why should we have fun at work? Is it productive to have fun at work?Companies that succeed by providing a f
AttitudeI
always try to keep a positive attitude to show how much I enjoy my job. Every day I come to work with a smile on my face.I am constantly congratulating others on their successes. When others need encouragement, I try and motivate them to keep improving.I try to keep an even demeanor through both good times and bad. My constant energy helps others keep their “enthusiasm”—both positive and negative.
Communication
One of my strengths is that I keep my managers and coworkers informed of my work progress.When working with customers, I clearly communicate with them in order to provide the best customer service possible.I clearly document my work on assignments and projects so others can easily use my information and findings.
Creativity and Innovation
Whenever a co-worker needs a fresh look at a problem, they come to me for a fresh perspective.I don’t rely on common methods to solve a problem but address each situation with creative solutions. I look at each problem with a fresh perspective.I use my creativity in any role I am in within the team. I take the day-to-day tasks and challenge the status quo to see where improvements can be made
10 years of Experience in Service Industry as Custoemr Service Manager
• Result-oriented and dynamic professional with 10 years of rich exposure in managing the entire gamut of Customers as Customer Service Manager including Account Management, Banking Operations & Business Associate with keen eye on Compliance and Controls.
• Academically proficient with Masters in Business Administration - CRM & Retail Management, presently spearheading as Deputy Manager – Customer Relationship Manager with Axis Bank Limited with sound understanding of Banking Process, Practices and Procedures.
• Expert in Tracking and Managing the Business Requirements using Requirement Traceability Matrix (RTM) that controls numerous artifacts produced by the teams across the deliverables for a project.
• Effective analytical, interpersonal and Team handling skills along with excellent communication and presentation skills. Also an analyst with self-motivated attitude, great attention to the Quality process in maintaining strong client focus and multi-tasking in planning and conducting meetings as per the Business requirements.
• In-depth understanding of various aspects including People Management, Banking & Financial Services, Portfolio Management, Risk & Compliance Management, Institutional Asset and Liability Management.
Questions And Answers about Axis Bank
If you were to leave Axis Bank, what would be the reason?
Asked 26 Mar 2017
There should be fare management.
Branch head and operations head take disadvantage of their post to do partiality. There should be some feedback system to HR and Higher level authority to avoid such kind behavior for every middle yr
Answered 4 Apr 2021
Salary ......as the salary for sales people is not upto their mark.....
Axis takes a lot of work and business from sales people and compensate very less.....
Answered 30 Mar 2020
If employee working in Maharastra state can be transfer to other state like Karnataka
Asked 19 Apr 2017
Yes , u can transfer the other state but fist u notice apply to before in 15 days while u come up new joining after go , and
Answered 4 Nov 2019
Hyderabad only
Answered 17 Sept 2019
Does acis bank require registration and fee for registration before any interview?
Asked 27 Jun 2017
No I have not paid but my finest problem
Answered 21 Jul 2019
No,I have not paid any ammount for the interview
Answered 2 Jul 2019
What questions did they ask during your interview at Axis Bank?
