1. Key Skills
Banking Operations
Remittance / Foreign Exchange
Budgetary Control
Customer Servicing / Relationship
Management
Business Development
Process Enhancements
MIS Reporting & Documentation
Team Building & Leadership
Offering nearly 16 years of experience in implementing financial procedures;
successful in driving profit gains and improving on organizational productivity
and performance
Profile Summary
Comprehensive knowledge in managing branch operations and
implementing strategies towards enhancing market penetration,
business volumes and growth
Skilled in cultivating positive rapport and nurturing relationships by
offering services beyond expectations and by ensuring speedy
resolution of queries & grievances
Expertise in managing the branch operations by ensuring that the
financials of the branch are under control and the branch adheres to
Central Bank UAE Guidelines, Know Your Customer (KYC) and Anti-
Money Laundering (AML) norms at all times
Gained hands-on banking experience by managing the transaction
processes and delivery of services; providing services to existing
customers and managed all aspects of customer relationships
Defined service standards and guidelines that serve as benchmark for
excellent service delivery thereby contributing towards ameliorated
service revenue generation
An enterprising leader with strong inter-personal, training, problem-
solving and people management capabilities
Soft Skills
Career Timeline
Abu Dhabi
Commercial Bank,
Al Karamah
Branch, Asst. Clerk
/ Teller
Emirates NBD,
Teller Supervisor
Moonway General
Trading Co. LLC,
Administrative
Officer
2000-2004 2004-2015 Since 2015
Abdulla Kuttiyassan
Senior Level Professional
Banking Operations
Industry Preference: Banking
Location Preference: GCC Regions
abdullauae@outlook.com
00971-50-7724199 / 00971-52-9486866
Change Agent
Motivational
Leader
Thinker
Collaborator
Communicator
Planner

2. Education B.Com. from University of Calicut, Kerala, India in 1993
Work Experience
Moonway General Trading Co. LLC, Sharjah as Administrative Officer
Key Result Areas:
Shouldering the responsibility of formulating budgets, implementing
financial policies and procedures
Reconciling general ledger, preparing and reconciling general bank
statements
Developing and maintaining supplier accounts
Ensuring transactions are properly recorded and entered into the
computerized accounting system
Creating income statements & balance sheets and maintaining financial
files & records
Since Oct’15
Jul’04 – Apr’15 Emirates NBD Dubai, UAE as Teller Supervisor
Growth Path:
Jul’04 – Feb’09: Teller/ Customer Service Sales Executive
Jan’10 – Apr’15: Acting (Reliever) Branch Sales Service Officer/Operations Officer
Mar’09 – Apr’15: Teller Supervisor
Key Result Areas:
Teller Supervisor
Acted as Custody of main vault, monitored cash level requirements and
arrangement of cash to/from Central Bank, movement of funds to/from
vault and balancing with nil error. Conducted regular and surprise
counting and balancing of all security items and cash by EOD
Ensured proper issuance and reconciliation of pay orders/demand
drafts as well as authorization of in-house cheques posted by tellers
Monitored turn-around time of customers/tellers, assist tellers for any
issues in the department
Achieved satisfactory audit rating/ internal/ external/ Central Bank including
surprise audit of cash, security items & procedures in other branches
Monitored, functioning ATM, Cash & Cheque deposit machines (CCDM)
reconciliation and monitoring of suspense accounts
Developed different MIS (ATM/CDM, Foreign Exchange & Teller
Transactions) and month-end reports
Responding to queries and resolving difficult or complex problems
presented by tellers or other staff
Checked cash in times of overages/shortages and assisted tellers in
balancing problems using knowledge of common errors
Managed proper reconciliation of sundry accounts and reported to
FINCON within stipulated timelines
Branch Sales Service Officer / Operations Officer (Acting as Reliever)
Interfaced with customers to provide information and response to
inquiries about products or services and cross-sell products
Conducted analysis of existing sales channel relationships and built all
new sales strategy
Managed operations department with 12 staff members
Administered all transactions cash, cheque, DD, MC, TT, transfers and
other transactions undertaken by Teller/ Head Teller or transfer excess
cash to vault in a timely manner
Monitored and transferred excess cash to vault/HO and required cash
order from HO in advance
Ensured proper custody of account opening documents, checkbooks,
ATM cards and relevant records
Ensured improvement of existing process flows and resolution of issues

3. Initial Experience
Trainings
IT Skills
Proficient with Microsoft Windows,
MS-Office (Word, Excel, Access,
Outlook & PowerPoint)
Personal Details
raised by Quality Assurance Unit
Spearheaded a team of Customer Service Executives and Teller Service
Executives and managed effectively the branch counter area in a risk free
& customer-friendly manner and maintained Queue Management System
Supervised reconcilement of GL/NOSTRO accounts and preparation of
different MIS pertaining to branch and timely preparation of prescribed
daily, weekly and monthly reports
Monitored vendors / contracts and processing of bills with respect to
different expense lines
Maintained records of branch furniture / equipment / installation,
depreciation / accruals / prepaid processing
Held keys & combination custodianship for vault / safe locker and
branch security alarm system
Comprehensive knowledge of KYC and ensured all transactions are duly
checked for AML /sanctions and audit trail maintained for the same
Teller/ Customer Service Sales Executive
Attended meeting with Companies Finance Mangers and made them
open payroll account, code calling & telecalling to achieve sales target
Supervised:
o All Inward Clearing / Outward Clearing / Cheque returns / cash
o TT/DD/MC/OCC/Forex Deal/Special Clearing
o Service delivery – Observation of queue time and length and taking
action as needed to manage customer traffic
o Processing of all activities pertaining to ATM operations (reconciliation,
cash management & cards delivery)
Conducted investigations and resolved inquiries initiated by customers
as per laid standards
Ensured departmental activities are conducted in strict accordance with
the laid down procedures in management manual, foreign exchange
manual and other circulars of instructional nature
Jan’00 – Mar’04: Abu Dhabi Commercial Bank, Al Karamah Branch,
Abu Dhabi as Asst. Clerk / Teller
Various training program at ADCB, EBI and Emirates NBD
Training session on “Banking Operations” in 2012/2013/2014
One day training session on “Monthly Reconciliation System” in
2012/2013/2014
Training session on “ATM Fraud Prevention Training”
Training session on “Guidelines Counterfeit Detection”
One day training session on “Money Laundering & Counter Measures”
every year
One day workshop on “Project Tafawouq”
“Swift Refresher Course”
Date of Birth: 17th
May 1972
Languages Known: English, Arabic, Hindi and Malayalam
Address: Al Qasimiya Sharjah UAE
Nationality: Indian
Marital Status: Married
Visa Status: Employment
No. of Dependents: 3
Passport Details: Passport No. – N2089151 Expiry Date – 26th
August 2025