Nandakumar Sajeev

· Established a strong risk culture through approval of prudent policies, guidelines, and input into strategic and operating plans.

· Worked in coordination with various Business Units in identifying, assessing, monitoring and mitigating the existing and emerging risks.

· Developed procedural implementation and change management process with Operations and Reporting team to ensure proper governance and controls.

· Adhere to risk management policies with focus on maintaining effective controls for foreign exchange trading and business process.

· Devised new systems and specific processes to handle ongoing monitoring needs for potential risks.

· Implemented risk management policies, limits and strategies that complied with standards and strategic imperatives of organization.

· Formulated strategies and direct resources and approaches to ensure effective risk management through preventive and corrective measures.

· Completed in depth analysis of a variety of financial and risk reports that reflect transactions where many different consecutive stages of operations are involved.

· Remedial actions/ measures taken to overcome deficiencies observed during internal / external audits in coordination with internal auditor and head of the company.

· Monitored industry, technological and economic developments to stay current on potential risks.

· Took initiative in gathering information and solving problems independently within highly structured work environment.

· Applied subject matter expertise and industry knowledge to provide independent oversight to enterprise-wide risk management activities.

· Established and oversaw application of operational risk policies, technology and tools and governance processes to create lasting solutions for minimizing unnecessary loss resulted regularly from current policy.

· Fostered productive business partnerships with team members and outside representatives to benefit personal understanding of risk factors and strengthen influence through positive reputation.

· Assessed liquidity and market risk levels and applied risk-based approach to oversee financial activities.

· Built contingency plans to successfully handle financial emergencies.

· Produced and filed reports to inform senior management of current activities and progress with investigations.

· Evaluated potential sources of fraud and assess their impact on the organization.

· Designed and implemented strategies to prevent fraud within the organization, including developing policies, procedures, and controls.

· Regularly monitored transactions to detect fraudulent activities or attempts, using various tools and systems.

· Conducted investigations into suspected frauds or financial crimes, gathered evidence, and prepared reports.

· Worked with other departments, such as compliance, information technology and risk management, to ensure a comprehensive approach to fraud prevention.

· Evaluated the potential risk posed by employees and vendors and provided training on fraud prevention.

· Kept up to date with the latest trends and threats related to fraud and adjusted strategies accordingly.

· Ensured that fraud prevention programs are effective, sustainable, and aligned with regulatory requirements.

· Conducted ongoing training and awareness programs for employees and stakeholders on fraud prevention techniques, trends, and risks.

· Prepared and presented fraud prevention reports to senior management and other relevant stakeholders.

· Developed and oversaw the strategic plan and ensured compliance with regulatory requirements as well as established bank procedures.

· Daily Collaboration across Global Clients, Trading, and Operations teams to provide day to day operational functions including Dealing, Funding & Rate management.

· Processed Salary files of various companies on month on month wide through WPS and Remittance files through SBT Exco, FEDERAL EXPRESS, Axis Remit Direct etc.

· Performed a major role for developing a inhouse software for the business improvement in Belhasa Global Exchange and successfully launched the product on 6th July 2019, which resulted in hundred percent productivity and achieved forty percent growth in the business for the year 2019.

· Supervised operations team to support operational excellence, reduce costs and excellent customer service.

· Stayed up to date with industry trends and best practices to improve skills and organizational operations.

· Communicated with customers to assess satisfaction with products and services received, built connections and nurtured relationships.

· Implemented process improvement to shape organizational culture, to optimize procedures for higher efficiency and to help the company to evolve and grow.

· Prepared annual budgets with controls to prevent overages.

· Monitored key performance metrics to identify areas for improvement.

· Updated and resolved incidents and managed accessorial charges objectively while maximizing profit.

· Mitigated business risks by working closely with staff members and assessing performance.

· Reduced operational and market risks while organizing data to forecast performance trends.

· Reduced budgetary expenditures by effectively negotiating with contracts for more advantageous terms.

· Assisted in recruiting, hiring and training of team members.

· Acted as a point of contact person for any system implementations or enhancements and primary liaison with all regulatory agencies and internal / external audit.

· Followed all policies and guidelines carefully including internal security measures, legal aspects and regulations of the country to ensure the safety and security of customers and company's assets.

· Explained, promoted express remittance service through products like Western Union, Instant cash etc. and Bank Transfers.

· Processed customer transactions related Foreign Currency Exchange, Value Added Tax payments, Pension Payments through GPSSA, Mobile Top-up through special products namely Ding, E Wallet recharges etc. and maintained related registers.

· Established and maintained an extensive clientele base of Corporate and Retail Customers consisting of repeat customers as well as new contacts by maintaining an excellent rapport with them and providing personal attention to their needs by offering fast and friendly assistance to assure their satisfaction.

· Executed marketing & promotional activities in order to generate new leads for transactions and ensuring a proper follow up.

· Performed AML verification / PEP screening, Client profiling (KYC), visiting client premises and independent electronic verification of all customer ID's and documents, using various system and tools before signing off the clients.

· Offered advice and assistance to customers, paying attention to special needs or wants.

· Developed customer service policies and procedures to meet and exceed industry service standards.

· Analyzed customer service trends to discover areas of opportunity and provided feedback to management.

· Conducted in-depth qualitative and quantitative research to identify trends and generate insights.

· Interpreted data and made recommendations from findings.

· Used varied statistical and data analysis techniques to draw conclusions from research.

· Prepared detailed reports summarizing research findings and recommendations for further action.

· Utilized specialized software to capture and process data.

· Established and managed relationships with external data providers and research vendors.

· Conducted primary and secondary research to better understand customer needs and behaviours.