Antony Philomena

 A.PHILOMENA Flat No.3, Aswin Apartments, 32/53, Srinivasan Street, Perambur, Chennai – 600011, India Email:-Mobile: - Summary: Experienced retail banking professional with nine years experience in retail banking operations which included Branch Audit & Five-S Audit. Experienced in audit processes with four years experience in audit related to Trusts, Associations, Schools, Colleges and Social Service Organizations. Education: (MBA) - Master of Business Administration – Banking & Finance from Alagappa University, Karaikudi , Tamil Nadu. B.Com - Bachelor of Commerce, Madras University - Stella Maris College, Chennai. Attended many in-house courses and training programs from ICICI Bank, HDFC Bank and IndusInd Bank while employed. Risk based AML, KYC and Compliance certification from Udemy in October 2020. Blockchain for Business 2020: The New Industrial Revolution certification from Udemy in November 2020. The Complete Investment Banking Course : 2021 certification from Udemy in January 2021. Digital Marketing Masterclass – 23 courses in 1 certification from Udemy in June 2021. DCA – Diploma in Computer Applications. IT Knowledge: Application: MS-Word, MS-Excel, MS-PowerPoint. Software: UNO, Finacle10.2, Finacle-CRM, Staffware, Finware, CRM-Next, Teller Module, Kapiti, Talisma, I-Works and Tally. Career Graph: Total Experience – 14.7 years (9.3 Years in Banks, 4 Years in Audit Firm and 1.4 Years in NBFC) Skills: Verbal and Written Communication Skills, Administrative Skills, Computer Skills, Team Player, Organized, Highly motivated, Inter-personal WORK EXPERIENCE February 2015 – June 2016- Shriram Value Services Ltd., Chennai , India. Designation/Role: - Manager – Operations. Responsibilities: Supervisor Operations: Responsible for the entire deposit operations of Chennai Region and the key roles are as under: Responsible for sending the Daily MIS of the Service Centre to AGM - Operations. Handling of queries and complaints of the Chennai Region. Handling the three teams - New Business, Refunds and Services with a total team size of around 30 members which also includes allocating & monitoring of the work allocated. Authorization of bank account additions of the investors. Responsible for reporting of application money suspense. Preparation and mailing of Server Setting files to respective teams. Ensuring that the discrepancies are communicated to the respective Channels who have sourced the application forms so that the discrepancies can be cleared and the application forms processed without any delay. Any changes in the KYC documents are communicated to the team so that the same are followed without any deviations. Authentication of the deposit application forms. Ensuring that the mails are sent to the concerned team and the User ID’s & passwords created for the new joiners. Likewise, when any employees leave the organization ensuring that their respective User Id’s are deleted. ______________________________________________________________ April 2012 – October 2013- IndusInd Bank Ltd., Vellore , India. Designation/Role: - Manager – Customer Service & Operations. Responsibilities: Supervisor Teller Operations: Responsible for the training and management of the tellers and key roles were as follows: Authorization of cash transactions and fund transfers that breached the teller limits. Cash management and reporting related to branch cash position - ensuring that the branch does not exceed on the CRL limit. Monitoring and authorizing transactions relating to sale of Gold Coins. ATM EOD & reconciliation of the same. Monitoring the maintenance of the imprest cash account for the day-to-day expenses of the branch. Supervisor Remittance Operations: Responsible for the training and management of the remittance executive and key roles were as follows: Authorization of pay orders & demand drafts. Ensuring timely processing and reporting of RTGS & NEFT transactions. Ensuring timely processing of corporate salary credits. Authorization of Outward & Inward cheques. Authorization of CMS transactions which includes both cash & cheque transactions. Supervisor Customer Service Operations: Ensuring all customer instructions pertaining to the following areas are carried out accurately and in a timely manner without a breach in SLAs by the Customer Service Executive: Assigning of welcome calling, client engagement calling and ATM & Website Leads to the Customer Service Executive and ensured that they were done within the TAT. Contact details updation. Passbook updation & issuance of statement of accounts. Cheque book, debit card issuances. Pin generations pertaining to all direct banking channels. Ensuring speedy resolution of complaints well within the SLAs. General Banking Operations: Ensuring all mandatory daily reports for the branch are generated and monitored. Trained and monitored branch staff on compliance to KYC norms. Lobby management by effectively educating and directing customers to direct banking channels. Ensured that the SLAs are met for account opening. Reconciliation of internal branch accounts and ensuring speedy reconciliation of outstanding items. Ensured that AML alerts were replied to within the prescribed timeframe. Recording and maintenance of standing instructions related to locker agreements. Reconciliation of Nostro accounts on a day-to-day basis. Reporting of Counterfeit Notes on a monthly basis to both GBO & RBI. Authorization of account opening forms – Savings accounts, Salary accounts, Current accounts, NRI accounts and Fixed Deposits accounts after scrutinizing the same with regard to KYC norms. Conducting of Customer Service Meetings on a monthly basis with the mandate of a senior citizen. As the Manager - Customer Service & Operations ensured that the branch attained a Low Risk rating within two months of joining and taking over the position - the Branch moved from a Ranking of B to A (Branch score above 90) by adhering to the laid down processes. Sep 2007 – Feb 2011- HDFC Bank Ltd., Chennai , India. Designation/Role: - Deputy Manager - Retail Operations. Responsibilities: Supervisor Teller Operations: Responsible for the training and management of the tellers and key roles were as follows: Authorization of cash transactions and fund transfers that breached the teller limits. Authorization of cashier cheques & demand drafts. Ensuring timely processing and reporting of RTGS & NEFT transactions. Funding and reporting of prepaid cards issued by the bank which included both local currency and foreign currency cards. Ensuring timely processing of bulk postings related to corporate salary accounts. Cash management and reporting related to branch cash position. Monitoring and authorizing transactions relating to sale of Gold coins. General Banking Operations: Ensuring all customer instructions pertaining to the following areas are carried out accurately and in a timely manner without a breach in SLAs: Cheque book, debit card issuances. Pin generations pertaining to all direct banking channels. Ensuring speedy resolution of complaints well within the SLAs. Ensuring all mandatory daily reports for the branch are generated and monitored. Trained and monitored branch staff on compliance to KYC norms. Lobby management by effectively educating and directing customers to direct banking channels. Ensured that the SLAs are met for account opening. Reconciliation of internal branch accounts and ensuring speedy reconciliation of outstanding items. Monitoring of large cash transactions thereby ensuring that AML reporting guidelines are adhered to. Recording and maintenance of standing instructions related to locker agreements. As the Five S champion for the branch spearheaded all Five S initiatives to ensure that the branch was Five S compliant. July 2003 – Sep 2007- ICICI Bank Ltd., Chennai , India. Designation/Role: - Senior Officer Job Description: Teller Operations: Started the career in the bank as a teller and the key roles included: Ensuring the posting of cash transactions and fund transfer requests. Ensuring the posting of cashier cheques, pay orders & demand drafts. Ensuring the timely processing of bulk entries related to corporate salary accounts. Ensuring the prompt processing of transactions relating to sale of Gold coins. General Banking Operations: Ensuring speedy resolution of complaints well within the SLAs. Ensuring that the SLAs are met for account opening (Saving accounts, Fixed Deposit accounts, Recurring Deposit accounts, Overdrafts accounts, Current accounts, Trust accounts, Salary accounts and Students accounts) as well as closing of the respective accounts within the SLAs. Ensuring all customer instructions pertaining to the following areas were carried out accurately in a timely manner: Contact details updation. Cheque book, debit card issuances. Pin generations pertaining to all direct banking channels. Trained and monitored branch staff on compliance to KYC norms. As the Five S champion for the branch spearheaded all Five S initiatives to ensure that the branch was Five S compliant. As the Audit Co-ordinator of the branch ensured that the branch attained an outstanding rating for two consecutive years. As the SOX champion of the branch trained the branch staff with regard to the SOX processes for all transactions done at the branch level. As the Private banking executive ensured that the queries of the Private banking customers were solved and business was acquired from them. As the Current account executive solved the queries of the Current account customers within the SLAs. Career Growth within ICICI Bank : Started the career in the organization as an Officer Trainee in July 2003. Promoted as an Officer in July 2004. Promoted as a Senior Officer in July 2005. June 1999 – June 2003 - M/s. M.Thomas & Co., Chartered Accountants , Chennai. Designation/Role: - Articled Clerk/ Audit Assistant Audits Handled: CPCL (Chennai Petroleum Corporation Ltd – PSU), Punjab National Bank (Branch Audit) Various Trusts, Schools, Societies, Hospitals and Charitable Institutions. Declaration: I hereby declare that the above mentioned information is true to the best of my knowledge. A.PHILOMENA