SURAJ CHITRANGADAN
SHARJAH
Summary
Seasoned professional with over 20 years in the money exchange industry, managing high-volume foreign exchange operations and driving retail sales growth. Led multicultural teams while ensuring compliance with Central Bank regulations and Anti-Money Laundering policies. Mitigated operational risks to achieve branch profitability and maintain exceptional customer service.
Overview
3
3
Languages
1
1
Certification
22
22
years of professional experience
Work History
Branch in Charge
Federal Exchange
Sharjah
03.2024 - 10.2026
- Monitored branch metrics, tracked targets vs. achievements, and drive local business development
- Enforced internal control measures and regulatory adherence regarding AML and Central Bank standards.
- Conducted training sessions for employees on company policies, systems, and service standards
- Coordinated audits, compliance checks, and reporting
BRANCH INCHARGE
AL AHALIA MONEY EXCHANGE BUREAU
United Arab Emirates, Oklahoma
01.2009 - 12.2023
- Efficiently handled daily operations of the branch including sales customer service, security and safety in accordance with the organization objectives.
- Identified and pursued opportunities to expand customer base and increase transaction volume, contributing to overall revenue growth.
- Led team, providing training and mentorship to improve skills and support professional development.
- Onboarded corporate and retail WPS customers efficiently.
- Applied knowledge of AML and central bank regulations to ensure compliance and mitigate risks.
CUSTOMER RELATION EXECUTIVE
AL AHALIA MONEY EXCHANGE BUREAU
01.2005 - 01.2008
- Delivered prompt and high-quality customer service, enhancing overall customer satisfaction.
- Maintained compliance of transactions and documentation processes with internal and regulatory standards, ensuring accuracy and reliability.
- Managed foreign exchange and remittance transactions for money exchange customers.
- Verified customer identity and documents for AML and KYC compliance.
- Handled cash counts, reconciliations, and daily branch closing tasks.
Education
BACHELOR OF COMMERCE -
Calicut University
INDIASkills
Remittance & FX Operations
AML / KYC / CFT Compliance
Cash Vault & Treasury Management
Team Leadership & Training
Risk Assessment and Fraud Prevention
P&L & Budget Management
Customer Relationship Management
Multi-Currency Accounting
- Branch operations
- AML compliance
- Central bank regulations
- Branch Operations Management
Personal Information
- Date of Birth: 1977-05-15
- Nationality: INDIA
- Marital Status: MARRIED
Certification
SALES TAX PRACTIONER, MICROSOFT OFFICE
Languages
LANGUAGE : ENGLISH, HINDI & MALAYALAM
Languages
Malayalam
First Language
English
Advanced
C1
Hindi
Advanced
C1
Timeline
Branch in Charge
Federal Exchange
03.2024 - 10.2026
BRANCH INCHARGE
AL AHALIA MONEY EXCHANGE BUREAU
01.2009 - 12.2023
CUSTOMER RELATION EXECUTIVE
AL AHALIA MONEY EXCHANGE BUREAU
01.2005 - 01.2008
BACHELOR OF COMMERCE -
Calicut University