regulatory expert - sample cv 1

5/17/2018 Regulatory Expert - Sample CV 1

1/5

Regulatory Expert Sample CV - 1CIRCLE HEAD NODAL &REGULATORYAFFAIRS,

INTERNALAUDIT RISK &FRAUD MANAGEMENT /CUSTOMER SERVICES

Professional Abridgement:

Organized and efficient professional with 15+ years of consistent record of achievements in the areas of

Retail Banking Operations, Retail/ Corporate Sales, Customer Services, Regulatory Affairs , Statuary

Compliance, Auditing, Credit & Risk Management, Client Relationship Management and People

Management.

Presently associated with TATA TELESERVICES LTD, as CIRCLE HEAD NODAL & REGULATORY AFFAIRS,

CUSTOMER SERVICES / INTERNAL AUDIT & RISK / FRAUD MANAGEMENT BIHAR & JHARKHANDCIRCLE. Driver of innovative programs that provide a competitive edge and establish company as a market leader.

Adept at Controlling Frauds, Identifying Process Lapses and conducting Fraud Investigations.

Excellent negotiator with expertise in improving portfolio quality by implementing preventive measure &

processes to improve recoveries.

Dedicated and tenacious sales expert. Remain current on the latest trends in the industry, with comprehensive

knowledge of insurance and financial products, services and best practices.

Expert presentation, negotiation and communication skills with keen abilities in planning, goal setting,

strategy implementation and follow-up.

Effective leader who motivates and builds synergistic teams that achieve the highest sales targets.

Added Expertise:

Sales & Marketing

Customer Services

Business Development

Operation Management

Sales Leadership & Direction

Assessment & Analysis

Strategy Planning &Execution

Relationship Management

Profit Centre Management

Channel Management


Product & Market Alliance

Team Management

Risk & Fraud Management

Credit Control & Monitoring

Campaign Management

FUNCTIONAL SKILLS

Credit & Risk Management:

Support the development of Credit Risk Strategy and Policy to optimize risk and reward within the agreed riskappetite.

Represent Credit Risk in strategic projects and tactical initiatives being driven by product of functional areas.

Develop appropriate data driven policies and strategies and work with Policy and Governance team to embed

effective policies within the product and operations areas.

Fraud Management:

Managing, planning and executing a variety of Fraud Risk Management assignments, which will include:

Performing fraud risk assessments to identify fraud risks in the company.

Interpreting the results of data analysis routines to highlight potential fraudulent transactions to audit teamsfor follow.

Liaising with staff, the audit team and the audit client to execute the assignments.

Sales/ Marketing/ Business Development:

Overseeing sales operations for achieving increased growth profitability.

Market penetration through conceptualizing and implementing sales promotional strategies.

Managing the Branch Profitability, ensuring high quality service and Customer Relationship Management.

Refining the marketing strategies to escalate business volume through reviewing and interpreting the

competition after thorough analysis of market information.

Team Management & Strategic Planning

Ensuring efficiency in operations and that the individual & group targets are met, by managing & monitoring

the performance of team members.


2/5

Regulatory Expert Sample CV - 1 Identifying & implementing strategies for building team effectiveness by promoting a spirit of cooperation

between team members.

Identifying newer opportunities, formulating business strategies, strategic utilization and deployment ofavailable resources to achieve organizational business objectives.

Client Relationship Management:

Focusing on maximum customer satisfaction by closely interacting with the customers to understand theirrequirements and delivering high-value services to upscale clients.

Ensuring compliance with Standard Operating Procedures and Brand standards in order to enhance customer

satisfaction.

KEY HIGHLIGHTS

In ICICI Bank,IDBI Bank, HDFC Bank & TATA Teleservices Ltd.:

Won the highest Award from TATA (TATA TELE) Scroll of Honour from COO.

Awarded Super Star Awardof TTSL-for outstanding performance. Was awarded Maestro Award.

Achieved lowest penalty for CAF Audit on Pan India basis and CAF score of 99% for 18 months in a row.

Instrumental in saving revenue: 2010 - 2011: Rs 11 Crores, 2011 - 2012: 15 Crores & 2012 - 2013: 17 crores. Promoted three times within two and half year from Assistant Manager to Manager.

Recognized as The Top ABM in the zone for the Q1 - 2007, Amongst the TOP 10 ABMs in PAN INDIA for Q2,2007

Won the Fastest 50 & Fastest 100 contest inthe REGION

Overachieved target by 160% for FY 2007-08 AT HDFC BANK As a ABM at DEFENSE COLONY BRANCH,

DELHI

Recognized for acquiring 3 big relationships of AQB 3 crores plus, HDFC BANK As a ABM at DEFENSE COLONYBRANCH, DELHI

Achieved maximum revenue from cross sell in the REGION (Q1 2008) AT HDFC BANK as a Area head

Merchant Banking ( LAP, LAR & Insurance )

New comer and Best Performer award from ICICI BANK

Awarded Certificate of Honour & Gold Coin- Highest award in HDFC BANK for outstanding performance.Honors & Awards

SERVICE EXCELLANCE AWARD, HOTEL LAKE PALACE , NEPAL, December 1999

SCROLL OF HONOUR, TATA TELESERVICES LTD, May 2010

NEW COMER BEST PERFORMER AWARD, ICICI BANK, June 2004

CERTIFICATE OF HONOUR, HDFC BANK, May 2007

BEST PERFORMER, IDBI BANK, August 2005

TRADE FOREX CHAMPION - PAN INDIA - GOLD COIN, HDFC BANK, September 2007

TOP 3'S ASST BRANCH MANAGER - TRADE FOREX CHAMPION - PAN INDIA AWARD, HDFC BANK, August

2006Tata Teleservices Ltd,

Super Star Award for Contribution to TTL Regulatory Excellence, October 20102010: Tata Teleservices Ltd, Super Star Award for Contribution to TTL Regulatory Excellence

2011: Tata Teleservices Ltd, Maestro Award for Contribution to TTL Regulatory Excellence 2012: Tata Teleservices Ltd, Star Award for Contribution to TTL Regulatory Excellence

2013: Tata Teleservices Ltd, SPOT LIGHT Award for Contribution to TTL Regulatory Excellence 2013: SPOT LIGHT Award for Contribution to TTL Regulatory Excellence 2014: Tata Teleservices Ltd, Star Award for Contribution to TTL Regulatory Excellence

Commendation Role from Govt. of Bihar,for excellent support in REGULATORY COMPLIANCE.

DIGCENTRAL RANGE, BIHAR POLICE - GOVT OF BIHAR, May 2013

Awarded Prashasti Patra ( Commendation Roll)

Bihar Police - Director General of Police , Ministry of Home Affairs ,Govt of Bihar, February 2014from BiharPolice by Honble Mr. Abhyanand, Director General of Police , Bihar, This is the Highest Award given to any

Civilian by the law Enforcement Agencies in the state other than Police.

PROFESSIONAL PROFILE


3/5

Regulatory Expert Sample CV - 1-TATA TELESERVICES LTD.-

Circle Head Corporate Regulatory Affairs & Internal Audit & Risk/ Fraud Management,

Customer Services, Bihar & Jharkhand Circle (Oct 2008 to Date)

Key Results Area: Risk & Fraud Management ~ Internal Audit ~ Regulatory & Statutary Compliance ~ Vigilance

Monitoring ~ People Management

Responsibilities: Effective communication, certification and updates to regulatory requirements

Regulatory and Compliance & Risk management practices in market, credit, and operational risk

Coordinating and interfacing Law Enforcement Agencies 24*7 basis (Pan India).

Interacting with TERM cell, DOT and Regulatory Dept, Bihar & Jharkhand pertaining to all the parameters of

license conditions.

Interacting with TRAI for regulatory and dispute settlement issues.

Interacting with state and national level Law Enforcement Agencies for providing them support in tracking

crime / Anti social /Anti National related activities.

Interacting with all Government bodies, Honble Court behalf of the company for Relationship Management,compliance, regulatory and risk related matters.

Providing effective relationship to external customer i.e. Govt Body and Law Enforcement Agencies for helping

for speedy detection. Attending meeting called by Secretary, Dept of Home for state level security concern & complaints /

Suggestions for resolution effectively within the time limit

-HDFC BANK-

Area Head- Merchant Banking ( Card Division & Merchant Banking ) Central Delhi & Old Delhi (Mar 2008Sep 2008)

Relationship Manager Preferred Banking, (Retail Banking )Bihar Cluster (Mar 2007 Mar 2008)

Assistant Branch Manager, Defense Colony Branch, (Retail Branch Banking ) Delhi (Jan 2006 Feb 007)

Key Results Area: Profit Centre Management ~ Banking Operations Management ~ Marketing & Business

Development ~ Client Servicing ~ Portfolio Management ~ People Management ~ Credit & Controls ~ Risk & Fraud

Management~ Cross sell management~ Regulatory ComplianceResponsibilities: As Area Head- Merchant Banking

Profit Centre Management

Set up and managed complete branch operations with key focus on bottom line profitability by ensuring

optimal utilization of available resources.

Developed operating budgets to ensure optimum utilisation of available funds towards the accomplishment of

overall corporate goals.

Led, trained and motivated workforce to achieve organizational objectives.

Undertook initiatives for credit control and planning recovery strategies in case of payment default thereby

reducing NPAs (Non-Performing Assets).

Handled Credit Controls on ME-OD & Cards.

Banking Operations Management Handled front-end operations for Savings, current & fixed deposits, involved in cash management for branch

as well as ATMs as well as extended Priority Banking services.

Handled NRI & Forex Business.

Interfaced with other banks for lending/ borrowing and ensured compliance with the statutory requirements

laid down under different Acts governing banking regulations.

Loans / Credit

Underwriting / Risk Analysis of proposals, mapping proposal parameters with policy Handled a team of 35-40 people

Audit (includes process and quality audit) & Review of Vendors & Business Associates,identifying malpractices & reporting to the concern departments

Training to In-house Sales Team, various Vendors & DSAs Coordination between Sales, Credit, Operations & Collection Team

Maintaining Benchmark Credit & E2E TAT


4/5

Regulatory Expert Sample CV - 1 Review of Portfolio Quality, its various indicators & taking corrective action by proposing

policy changes

Maintaining Portfolio Quality by way of portfolio review

Cost Management

Marketing/ Business Development

Managed the sales Operation and accountable for increasing sales growth. Drove sales initiatives to achieve business goals & managing the sales team to achieve them.

Reviewed& interpreted the competition & market information to fine-tune strategies.

Identified prospective clients, generating business from new accounts and developed them to achieve

consistent profitability.

Client Servicing

Managed customer centric banking operations & ensuring customer satisfaction by achieving delivery &

service quality norms.

Attended to clients (individuals/corporate clients) concerns & complaints and undertaking steps for

effectively resolving them.

Interacted with the customers to gather their feedback regarding the products utilities.

Maintained cordial relations with customers to sustain the profitability of the business.

Focussed on timeliness in customer response and quality of feedback to ensure customer delight.

As Relationship Manager Preferred Banking (RETAIL BANKING - HNI DIVISION)

Administered the overall activities for Preferred Banking operations & services and establishing Preferred

Banking as a full-fledged Profit Centre department.

Instrumental in managing a portfolio size of 600+ HNW customers a Portfolio at par with the biggestbranches of the Bank in the country.

Ensured smooth operations on various aspects viz. Investment Advisory (Insurance, Mutual Funds, Direct

Equities research Advisory), Asset product requirements (Car Loans, Home Loans, Personal Loans, Two-wheeler loans), Cards (Credit Cards, Forex Cards, Gift Cards, Gold Debit Cards) & Liabilities.

Handled Business Banking requirements (Cash Credit, BG, LAP etc) and retail products such as On-line

Securities Trading (HSL), & Demat.

Extended the customer base from 510 customers to 857 customers in 6 months time, Augmented the portfoliosize for HNWs deposits by 12 Crores in 6 months, Increased the business of Asset products from 21% to 81%.

Additionally handled Forex Remittances for the Branch & supported the Non-Resident Zonal team on business

enhancement & customer retention of NRIs in the city.

Received recognitions for innovations in acquiring new customers through various cost-effective promotions

& channels.

As Assistant Branch Manager

Team Management

Managed the performance of Senior Sales Officers & Sales Managers to meet the team targets.

Encouraged bonded team work and positive attitude amongst the team member to ensure accomplishments.

Implemented strategies for building team effectiveness by promoting a spirit of cooperation between team

members.


Was responsible for generating retail liability business for the bank with a team of Senior Sales Officers &

Sales Managers.

Handled the responsibility of acquiring of fresh HNI customers for the branch by sourcing premium A/c

current A/c and Savings A/c, and was responsible for earning revenue for the bank by cross-selling BB, LAPand Trade finance also focusing on third party products (MF & Insurance).

Individually responsible for getting big value accounts for the bank to increase the book size of the branch and

for Branch sales targets, ensured high quality service, customer relationship management, and branch auditand compliance, Planning and implementing various sales promotion programs for boosting the sales.

Was responsible for achieving team targets as well as own individual targets by getting numbers as well as

values.

Customer Relationship Management

Provided effective pre-sale and post-sale services to clients for boosting their satisfaction levels.


5/5

Regulatory Expert Sample CV - 1 Build & maintained healthy business relations with major clientele, ensuring maximum customer satisfaction

by achieving delivery & quality norm, Attending investors/ clients concerns & complaints & undertaking steps

for effectively resolving them & Identify existing branch customers who meet preferred product criteria.

Portfolio Management

Analysed the financial capabilities of clients for providing them cross sell product i.e. BB, LAP and Trade

Finance, CMS also Mutual fund and Insurance.

Explored the value enhancement from existing as well as new acquisition.

PREVIOUS EMPLOYMENT IDBI Bank, as Relationship Officer /Team Manager Retail Liability (Jul 2005 Jan 2006) at Chandni Chowk

Branch , Delhi

ICICI Bank, as Relationship Officer / Senior Business Development Executive/ Team Leader Retail Sales

(Mar 2003 Jun 2005) at Connaught Place , Branch , New Delhi CITI Bank , ( Associate ),as Team Manager Retail Sales Cards (Jun 2000 Jan 2003), CP Branch , New Delhi

Shangri La, Village Resort, Pokhara, Nepal (Five Star), as Assistant Sales Manager (Mar 2000 Apr 2001)

Hotel Lake Palace, Kathmandu, ( A unit of Heritage Hotel & Resorts Ltd. ) Nepal, as Manager Sales &

Marketing (Sep 1999 Jan 2000)

Hotel Snow Land Pvt. Ltd., Pokhara, Nepal,as Manager (Oct 1998 Aug 1999)

EDUCATION

Pursuing Master in Journalism & Mass Communication.

LLB, BBR University (1996)

BA Hons,Bihar University (1993)

PGDCAfrom IICE, in year 1995

MBAfromLNMIMTin year 1998

OTHERACTIVITIES

NCC C Certificate Holder. Participated in Republic Day Contingent Camp.

Attached with Indian Army with Army Service Corps at Panagarh.

Commanding officer in School wing and College Wing.
http://l.n.misra/http://l.n.misra/http://l.n.misra/

regulatory expert - sample cv 1

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