Divjot "Dia" Kaur Email & Phone Number

Melbourne, Vic, Au

Melbourne, Victoria, Australia

• Efficiently and accurately assess and make decisions on merchant applications within established MYOB policies, procedures, and risk appetite.• Keeping detailed and accurate records of applications and merchant information within MYOB CRM (Siebel) and associated systems.• Conducting enhanced customer due diligence, in accordance with ECDD standards• Detecting, investigating, and reporting suspicious matters.• Preparing risk review documentation highlighting areas of risk with a recommendation and escalate to management in line with the prevalent escalation guidelines.• Participate in Risk and Compliance audits (as required), to ensure all policies and procedures are always upheld.• Managing queries and drive decisions on applications requiring escalation from other onboarding specialists and/or in line with the prevalent escalation guidelines.• Conducting monthly audit to ensure applications assessed by other Onboarding Specialists comply with the prevalent Quality Assurance Framework.• Deliver training of new team members or members from other teams requiring cross-training in financial services onboarding team.• Collaborating with cross-functional teams to develop and implement strategies that streamline operations, reduce errors, and improve customer experience.• Building strong relationships with other members of the Financial Services team providing support, advice/feedback and training when required.• Adhering to internal investigations processes, regulatory reporting SLA’s, KPI’s and quality targets set for the tasked work.

Melbourne, Victoria, Australia

• Responsible for timely and accurate completion of onboarding and KYC for small business owners of all entity types for their needs such as online invoice receivables and payables applications. (15-20 applications per day)• Efficiently and accurately assess merchant applications for KYC (using third party providers like Illion Direct, Creditor Watch, Green ID, Frankie One), beneficial owners and PEPs to identify any unusual or suspicious activity within established MYOB policies and procedures.• Preparing risk review documentation highlighting areas of risk with a recommendation and escalate to management.• Ensuring Bank account changes are processed within SLA’s.• Participating in ABN status change process, assisting client in completing documentation required to re-instate their facility.• Providing exceptional phone and email support to clients through actioning of KYC requests and resolution of client issues in a timely and efficient manner.• Dealing with high case volumes and managing workflows to SLA standards.• Analysing and updating existing process flows and documents using tools like Confluence to ensure any policy changes are documented and compliant.• Concise communication with the merchants and diligent following up where more information is required.

Melbourne, Australia

• Provided exceptional phone and email support to Clients through actioning of supportrequests and resolution of client issues in a timely and efficient manner.• Participated in outbound Client campaigns to assist in the achievement of Client satisfaction, service utilisation or compliance related goals .• Actively actioned items agreed with the Clients and kept them up-to-date on progress made and likely resolution timeframes.• Maintained up to date knowledge of MYOB Merchant services and related offerings.• Identified and took opportunities to educate Clients to better satisfy their current and future needs.

Mumbai, India

- Reviewed and Underwrote mortgage loan application as per agency/lender guidelines - Applied high attention to detail to analyse the overall risk of client loans on behalf of SWMC- File management, database management and handling of records in Sunsoft and Salesforce CRM- Strong knowledge of Anti Money Laundering & Responsible Lending (0% error rate consistently)- Reviewed and analysed loan applications, credit reports, appraisals, income, & asset documentation - Adhered to agency and non-agency guidelines and mortgage regulations (FHA and VA loans).- Researched, analysed and presented findings on mortgage products to higher Delegated Authority - Verified supporting documents including employment, down payment, property appraisal, etc- Resolved mortgage underwriting queries, addressed escalations and provided feedback to client- Reviewed initial loan application (Form 1003), ID proofs, online searches to mitigate potential risks- Built strong relationships with stakeholders by providing service within set SLAs- Reviewed loan files with management in case of exception in case of any overlay not meeting- Performed 411 checks, MERS and USPS to identify any discrepancies in the documents provided- E-mailed current clients to check current requirements to complete the documentation- Monitored intra-day client communications as per Quality Assurance procedures / guidelines- Reported on turnaround time, trend analysis, current / inactive pipeline analysis, customer feedback - Reviewed processing of consumer loans with all applicable regulatory requirements / standards

Punjab, India

Demonstrating my genuine interest to get into the Banking & Financial Services industry, I interned for a leading government-owned banking institution assisting with sales and daily administration as per RBI regulations- Conducted spot audits and ensured all transactions adhered to KYC guidelines and regulations- Aided customers over the phone in filling loan applications and handled customer queries- Generated new accounts p/month, whilst also filling product applications daily- Coordinated with bank teller for deposit

Master Of Business Administration (Mba), Finance, General

Bachelor Of Technology (Btech), Computer Engineering