Madonna Joan Motas Bordador

> Department: Retail Credit Services (RCS) - ENBD Credit Cards

> Duration: March 01, 2017 – up to Present (9 years & 4 months) – Emirates NBD

• Processed customer service requests in accordance with credit card policy, ensuring eligibility for credit limit changes and fixed deposit releases to enhance customer retention.
• Responded to email enquiries promptly to deliver effective customer support, ensuring timely resolution of issues.
• Facilitated transaction turnaround for internal and external users, streamlining processes to improve service delivery.
• Raise SR for Credit Limit Increase, Credit Limit Decrease Non STP/ STP, CIF linking and CIF Delinking.
• Capture all the Customer details in Excel CIL recommendation and send to Underwriters for review/approval.
• Mark any discrepancy, update notes & return the SR to concerned department.
• Pull AECB Report and Capture Credit Score and Active Liabilities.
• Perform system checks in Way4 for credit cards details and ENBD cards total exposure, Finacle for Accounts, AECB Consent and Salary Credits/Average Balance. Company Profile Tool for RMFC Decline/Non-Sourcing list and GRC ALE list remarks.
• Ensured accuracy of employer information through Bidaya and Finnone Cas applications.
• Review related documents like Income documents, KYC Validity.

• Conduct initial customer identification procedure (CIP) by reviewing KYC documents attached in the application and make proper notation for Underwriters' review.
• Recommending case for disbursal across all credit card products after applying company and central bank guidelines.
• Collected and verified post-approval documents, ensuring compliance with approval conditions.
• Ensuring that all the documents are consistent and uphold company and central bank guidelines.
• Handled Finacle and LMS CRM queries, checking CIF status (active, closed, dormant, blacklisted) and loan statuses.
• Verified authenticity of security cheques, confirming payee, signature dates, and amounts met bank policy requirements.

• Processing of DMS Approved Cases/Review the case as per existing ENBD retail credit policy.
• Processed card approvals in accordance with DMS decisions, ensuring adherence to established criteria and addressing any reasons or special conditions raised by DMS.
• Validated schemes to ensure alignment of customer credit card requests with existing credit cards, product eligibility, total exposure, and DMS recommended limits versus CM requested limits.
• Verified product, PCT, promo, and offering aligned with application form and policy.
• Pre-check of checklist/ application form / KYC docs/ Income docs details vs Finnone CAS system captured details.
• Verify Finacle Customer and Employer CIF /Watchlist.
• Checking of Duplicate Application/Finacle Customer and Employer CIF /Watchlist.
• Checking of Employer Name in excel sheet (Approved Employer / DMS Master List Employer Code / Restricted or RMFC Negative Feedback/No Sourcing Employer).
• Marked discrepancies and verified KYC attestations and validity to maintain compliance and accuracy.
• Duration: October 01, 2022 to July 31, 2023 (9 months)

• Conducted quality checks across demographic verification, card details, RTA products verification, system/process checks, verification stage, document verification, and disbursal initiation.
• Ensured accuracy by identifying and marking discrepancies before disbursal initiation to prevent errors.
• Verify and Validate customer and product details with KYC documents.
• Verified approval validity and ensured fulfilment of DMS/UW conditions to maintain compliance.
• Audit all customer and product details entered in FinnOne CAS prior to initiating the Disbursal.
• Duration: March 01, 2017 - September 30, 2022 (5 years and 6 months)

• Supported Islamic Credit Services (ICS) at Emirates Islamic Bank in fleet finance vehicle murabaha operations
• Processed fleet finance transactions including fresh deals and multiple assets
• Conducted data entry, evaluation, and system checks to ensure accuracy and compliance
• Duration: August 17, 2015 - February 28, 2017 (1 year & 6 months)

• - Prepare quotations & Follow up on any sales quotations made for customers.
• Receive Local Purchase Order and Enter Customer orders into the Omega System.
• Updated Omega System with pending quotations and customer orders, maintaining accurate sales records.
• Responded to customer enquiries about products and services, ensuring timely and accurate information.
• Supported sales team by coordinating administrative tasks and facilitating communication.
• Prepare Submittals and Follow up for the Approval Status.
• Maintained an accurate record of all submitted documents.
• Calculated project costs and prepared comprehensive financial reports.
• Industry: HVAC Insulation Distributor
• Department: Sales
• Duration: June 20, 2013 - June 30, 2015 (2 years)

• Executed financial and inventory postings in SAP Business One, maintaining up-to-date records for cash sales and stock transfers.
• - Posting of San Vicente Outlet Cash Sales Invoices, San Pablo Branch Charge Invoices, Delivery Receipts and Stock Transfer Form.
• - Posting Outlets Stock Transfer Form.
• Oversaw sales and collection processes, ensuring accurate tracking and reporting of transactions.
• - Update Sales Book
• - Encode Inventory of San Pablo Depot and Outlets and send file to Makati Main Office.
• - Receive and check Sales & Collection report of Sales Executives and update ledgers with cash & cheque payments.
• - Make Collection Reports for Office Account / Outlets Charge Accounts and Log Invoices into Ledgers.
• - Encode Charge Invoices and Delivery Receipts to Reports File in Microsoft Excel Format (Sales Report / Charge Invoice Report and Accounts Receivables Report).
• - In charge in Invoicing (Create Invoices), and make Withdrawal and Delivery Summary.
• Managed petty cash for San Pablo Branch, ensuring timely payment of office supplies and expenses..
• - Check/Purchase Needed Office Supplies and Pay Bills for San Pablo Branch Expenses.
• - Check and Compute all Expenses and prepare replenishment report.
• Managed the filing and transmittal of important documents..
• - File and Encode Junks Battery from San Pablo Branch and Outlets.
• - Receive and Check Outlets Cash Sales Invoices, Daily Deposit, Charge Invoices & Other Documents and Log into Incoming Documents.
• - Record documents and files to documents transmittal record book and send to Makati Main Office.
• - File Charge Invoices, Delivery Receipts, Credit Memo & Receiving Reports.
• - Check booklets inventory of San Pablo Branch and Outlets.
• Created and organised deposit slips for bank transactions.
• - Create Deposit slips of Cash & Dated cheque and deposit to bank.
• Handled customer inquiries and order bookings via phone.
• - Taking Customers Inquiries and Orders.
• - Booking of Orders for Office Account Customers.
• Interacted with customers to enhance satisfaction and address concerns.
• - Entertain customers & deal with product/battery prices.
• Industry: Automotive & Motorcycle Batteries Distributor
• Department: Accounting
• Duration: Mar 2, 2009 - Mar 15, 2013 (4 years)