Priyadarshini Keshari Email & Phone Number

Auckland, New Zealand

• Conducting credit assessments for new loan applications and writing loan recommendation reports• Communicating with clients to discuss their loan applications and the outcome of their applications• Conducting AML/CFT assessments and being responsible for the onboarding processes for new lending clients, mostly having a complex governance structure• Managing the lending pipeline system within the lending team, including monitoring and reporting on application stages, and ensuring clients are responded to within the required timeframes• Preparing Letters of Offer and other associated loan documentations• Monitoring any instances of arrears and implementing a follow-up plan with any clients who pose a risk of default• Assisting with regular AML work and training the new AML Analyst

Auckland, New Zealand

• Ensured compliance with AMLCFT Act 2009 for clients and stakeholders• Reviewed and obtained AML/CFT identifications and client documentations for existing clients, and managed data input and customer files• Ensured operational compliance with all laid down organisational policies and procedures• Supported the Risk and Compliance Manager in implementing policies and legislative requirements• Kept management aware of ongoing changes in legislation and how they related to the organisation• Extracted relevant client information from Companies Office, Charities and Financial Services Providers registers, and ensured accurate maintenance of online registers• Involved in the introduction of the organisation’s new core banking software system• Understood business requirements, and liaised with vendors to configure system parameters required for the AML/CFT module in the new banking software

Auckland, New Zealand

• Assessing and processing member applications for Secured and Unsecured Loans, including Overdrafts • Working with members to understand their credit history, borrowing and spending patterns and affordability of new debt against their budget • Providing account and transaction related information, including investigating and analysing disputed transactions, and attempt to resolve, wherever possible • Cash handling, teller services and delivering exceptional customer service to both walk-in and call-in members • Supporting managers, peers and junior staff with process and operations related queries or issues, if any, in day-to-day business • Keeping abreast with recurrent changes to the newly merged entity’s policies and procedures, and unfailingly applying them in daily operations to carry out business as usual • Lodging tickets for any issues with the IT helpdesk and follow-them through for resolution at the earliest • Reviewing members’ files on a regular basis and obtaining new or revised documents and/or other details, for CDD requirements • Cross-selling membership and other available products and services, to both new and old members

Auckland, New Zealand

• Monitored transactions and screened customers on daily basis, based on alerts out of the compliance software • Detected and filed suspicious / prescribed transactions and activities to NZ Police’s Financial Intelligence Unit (FIU) through STRs, PTRs and SARs, and reported these to senior management on case-by-case basis• Carried out periodic branch visits and audits of branch files to ensure compliance to AML/CFT and CDD guidelines• Generated AML / CDD reports in an efficient and timely manner, carried out performance analytics, ensured compliance activity met desired thresholds, and provided these to the senior management• Was involved in improvement and streamlining of operational processes related to the financial crime function• Liaised with banks, financial institutions, Ministry of Social Development (MSD), Ministry of Justice (MOJ) and NZ Police for investigating fraudulent crimes, and supplying relevant information and intelligence• Was accountable for the entire AML / CDD space and provided, on a monthly basis, compliance dashboards to GM-Operations, for reporting to the board of directors• Mentored and guided branch staff to ensure both existing (randomly selected) and all new member accounts met the 100% CDD compliant benchmark• Rolled out regular compliance related as well as other internal communications and updates to all branch staff• Provided support for branch operations and branch network, including covering in branch for absent staff• Was actively involved in filing Annual AML returns to the Reserve Bank of New Zealand (RBNZ)

Auckland, New Zealand

• Assessed lending applications and client information to ascertain affordability for new loans and debt consolidations• Prepared and forwarded budgets and loan applications to lenders and banks for approval• Set up adviser’s meetings with clients, cross-verified information provided by clients and followed-up on additional information, where required• Worked through and adhered to company-defined compliance and process check-lists • Administered and coordinated general office operations such as inventory management, resource allocation• Initiated and maintained a track of all client records and applications

Varanasi Area, India

• Oversaw the full spectrum of operations, encompassing credit appraisal, underwriting, sales and marketing, and recruiting new marketing intermediaries who were the key point of contact for customers• Liaised closely with Back Office/Regional Office teams in ensuring timely disbursement of loan applications• Analysed legal and property valuation reports to establish a case for disbursement – this involved personally inspecting mortgage/construction sites for present and future marketability and preparing Work-In-Progress reports in case of staggered borrowings• Proactively and single-handedly managed more than 60 files each month – meticulously planned and executed daily operations in absence of the Area Manager• Performed analysis of, tracked and monitored various key performance indicators of the area office, on a periodic basis, to ensure the targeted business metrics were achieved• Assessed prospective clients for repayment capacity, financial habits, family background and employment • Analysed existing unit operations and lead implementation of numerous business process improvement and streamlining initiatives • Managed and motivated the team of marketing intermediaries, encouraging regular input of files on Group Housing, and Approved Project Financing

New Delhi Area, India

• Provided phone and email-based assistance to customers in the USA, to prepare their travel itineraries• Responded to enquiries, and resolved issues, if any, reported by customers while making online reservations• Researched and booked the most suitable and/or economical flights, hotels and cars for individual customers, and for tour packages, based on customer needs and product availability• Verified availability of services listed on customer portal, prior to customer confirming their bookings

Varanasi Area, India

• Taught Mathematics, English and Computers to primary classes• Scheduled daily activities for around 42 classes (time-tables and rosters)• Organized and coordinated a range of cultural and sports events

Master Of Business Administration - Mba, Business Administration, Management And Operations

Bachelor Of Science - Bs, Mathematics And Statistics, First