Examine existing rules and procedures within an organization to identify areas where corruption or malpractices might occur. Oversee the entire process, from investigation to resolution, ensuring fairness and accountability. Helps organization maintain ethical standards, prevent corruption, and protect both honest employees and the organization’s reputation. Investigation: Working on collected data for case resolution. Fraud awareness training to staff and vendors.

Working in Commerical and Rural Banking group. To keep a check on unauthorized agents involvement / help taken by the sales staff for souring the case. Basis sample check, identify and intimate the suspected cases to seniors for further action. Liaison with supervisors (ZH / ZH / CH), Credit Intelligence controller, employee relations, vigilance, audit or HR department for detailed investigation and staff action / filling complaint against fraudulent customer. Discuss with team to work on sample delinquent branches for identification of compliance issues. Arrange implementation of staff action at branch level and update back to mangement.

Job entails conducting Process training to Bank Operations staff for all products viz. Clearing, CMS, Retail Liability, Depository operations and Loan against gold jewellery operations across etc for entire Rajasthan region. This includes classroom as well as on the job trainingsKey objective is to develop training modules across all the products for the class room training. Responsible for process changes and new processes post analyzing and ascertaining issues being faced by user during operations. Training leading and monitoring the performance of team members to ensure efficiency in process operations and ensure zero error operations. Establishing performance-oriented systems/procedures for execution of banking operations. Evaluating banking processes and procedures to locate and alleviate possible bottlenecks frauds. Identifying new streams for revenue growth and cost control tools of the branch.Key highlights:• Implementation of processes and procedures.• Conduct Off-Site Surveillance to restrict exceptions within the Region.• Conduct surprise verification of Currency Chest as per RBI Mandate.• Ensure qualitative and effective performance in all areas of process audits.• Comprehensive review of WBO activities.• Seek improvement in existing systems and processes.• Suggest gaps in processes, if any, and changes required to address such gaps.• Help in resolution of process related queries.• Participation in various CSR activities of the bank

Covering Retail Branch Management, Sales and Operational audits, ATM audits, Retail Forex, Currency Chest, Substantial livelihood institutional (Micro Finance), Business correspondent, Loan against gold jewelry etc. of all branches in the geographical area of Rajasthan, Madhya Pradesh & Chhattisgarh and other parts of north India.• Identification of uncovered risk areas, control weaknesses and providing suggestions to mitigate the same in the area of audits undertaken• Possess an incisive approach and capability to identify through back end data analysis significant deficiencies/ aberrations on compliance to KYC for new accounts opened• Effectively track and identify revenue leakage and suggest measures/process to plug the same • Analyze responses for completeness & accuracy. Check for staff accountability and escalate matters related to KYC/AML process lapses • Liaise with IT audit team / IT for developing/amendment of new/existing system related queries/parameters• Timely, accurate, concise and effective documentation of audit reports on exceptions observed during the course of audit• Critically review the existing process and procedures during the audit of respective areas and suggest areas of improvement which would enhance controls and simplify process flow• Review and follow up of rectification responses from the Auditee for early rectification of audit comments and timely closure of audit files• Scrutinizing transactions in compliance with the regulatory and statutory requirements and adhering to internal processesSOX Audit – Team member SOX assignment (at corporate office, Mumbai) and successfully completed Test of Operating Effectiveness for SOX compliance for the FY 2013-14 & FY 2014-15 in business processes area of Inward clearing, Outward clearing and Nostro. Responsible for executing tests of operating effectiveness for key internal controls over financial reporting

WBO provide services related to Whole Banking operations activities. All operational functions of Cheque Clearing, CMS department, Depository, Account Opening document re-verification Unit and Retail Assets are take care by me. Treasury management and regular MIS reporting to corporate head officeVendor management. Client interaction and client management. Relationship building & Business development. Suspense report monitoring. Exception follow-up. Clearing house relationship. Costs managementNew product implementation & training. Strives to achieve internal/external customer delight. Goes the extra mile to create a positive experienceAudit / Process Audit and related reviews are the primary responsibility. Minimize operational risk and ensure transactions are processed keeping in mind rules, statutory regulations and adherence to compliance. Acting with integrity for our actions and work. Maintaining quality of work and cross-functional regulation and supportCommitted to maintain the highest level of ethical standards, professional integrity, corporate governance and regulatory complianceConsistently able to achieve “good” audit rating since branch openedRecruits and hires talented people; accurately assesses others’ skills and provides feedback; gives responsibility, authority and autonomy in the right amount to match peoples’ developmental readiness; builds peoples’ self-confidence; gives visibility and recognition; holds others accountable; takes action where performance is not meeting expectations; retains valuable team members; closely monitors high potentials and connects/provides resources for continued growth; enjoys others’ success

Consumer Banking - Area Operations, North provides operational support to various units within consumer banking. Prime object on one hand is to provide cost effective, error free and value added processing support for various products that Consumer offer and adhere to, on the other hand, controls in terms of laid down procedures/group guidelines/regulations ensuring risks, if any are mitigated. The on-going effort is to add quality / value to the overall service.Handling Complaints/enquiries/instructions raised by internal customer’s viz. phone banking, branches and other department. Demonstrated ability to gain customer trust and provide exceptional follow-up leading to increased repeat and referral business.Accounting & Reconciliation of Schedules provided by Reserve Bank of India on PeopleSoft General Ledger System, is the end result. Responsible for general administration and backup for the Manager Service Delivery Working here has enhanced my skills of understanding, technical expertise, efficiency and accepting challenges which I’m proud of.

Key responsibilities were Sanctions and disbursal of the sanctioned housing loans to individuals as well as corporate. Loan Sanctions included documentation and operational audit. Disbursal demanded property inspections and preparation of banker’s cheque for the loan amount.Working here contributed to my operational knowledge.