1. R.KRISHNAMOORTHY
Mobile: 9445804622 ~ Email: krishnamoorthy1954@yahoo.co.in
Seeking senior level assignments in Operations Management / Auditing / Credit / Finance /
Depositary Operations with a high growth oriented organisation preferably in the Banking
/Financial Sector.
Preferred Location: Chennai
PRESENTLY WORKING AS A SENIOR CONSULTANT IN FINANCE AND ACCOUNTS AT KAUVERY
HOSPITAL, CHENNAI.
Professional Profile
 A competent professional with over 30 years of cross functional experience in Bank Audit, Inspection,
Vigilance, Branch Operations, Credit Administration, Accounts, Tax & Depository Operations and
RBI /Banking Ombudsman Co ordination.
 Deft in monitoring various banking operations and maintaining long-term customer relationships
through the provision of high quality service.
 Adept in managing & leading teams for running successful process operations & experience of
developing procedures, service standards for business excellence.
 Expertise in handling diverse range of credit products/credit risk analysis and risk mitigation.
 Demonstrated abilities in completing audit assignments within time budgets and calendar schedules
while handling multiple tasks.
 Strong analytical & organizational abilities with adeptness in formulating & preparing Scope of Audit,
Audit Plans, Audit program and Audit Reports with recommendation & suggestion for improvement in
internal control system.
 Extensive experience in managing Depository Participant & Custodial Services involving delivery of
securities, dematerialization of shares, credit collection & keeping compliance with statutory norms.
 Possess excellent interpersonal, communication and organisational skills with proven abilities in
training & development, customer relationship management and planning.
 Proved abilities in handling frauds/complaints and successful completion of enquiry process against
the errant staff.
Professional Affiliation
 AMFI – Mutual Fund (Advisors ) Module in 2008
 NCFM-DPM from National Stock Exchange in 2001.
 CAIIB from The Indian Institute of Bankers, Mumbai in 1991.
 ACS from The Institute of Company Secretaries of India, New Delhi in 1985.
 FCA from The Institute of Chartered Accountants of India, New Delhi in 1983.
Proficiency Forte
Banking Operations
 Overseeing complete Branch Operations with key focus on bottom line profitability by ensuring
optimal utilization of available resources.
 Conceptualising and implementing competent strategies with a view to penetrate new accounts and
expand existing ones for a wide range of Banking Products / Services.

2.  Managing a wide gamut of banking functions for Savings / Current Accounts, Fixed Deposits, NRI
Accounts, Recurring Deposits, Mutual Funds, Insurance and Depository accounts.
Internal Auditing
 Managing the complete planning and management activities for ensuring completion of various types
of audits within the time and cost parameters.
 Conducting periodical inspections; conducting verification of books of accounts to detect any possible
fraud and ensuring that accounts prepared are both reliable & prepared in accordance with GAAP.
 Evaluating internal control systems / procedures, preparing audit reports with a view to highlight the
shortcomings and implementing necessary recommendations.
 Preparing audit programs, scope for audit and responsible for delegation of work to subordinates;
advising departments for ensuring better internal control system & compliance of legal requirements.
 Reviewing and evaluating Internal Control and suggesting various measures to improve Internal
Control System.
Operations Management
 Credit Administration: Managing various credit operations involving appraising proposals,
conducting risk analysis & scrutinizing relevant documents before sanctioning loans. Supervising
approval of loan proposals & sanctioning credits after appraising solvency status & verifying
documents as well as post sanction follow-up and disbursal of loan. Monitoring post loan
disbursement activities including processing of release letters, recovery of bad debts, NPA,
preparation of compromise proposals and associated legal proceedings.
 Vigilance & Inspection: Investigating cases pertaining to fraud & economic offences; collecting
intelligence by surveillance & carrying out verification of the information, prevention / detection of
fraud. Evaluating the case-at-hand, and determining the procedure to be adopted to investigate the
case and conducting search and seizure operations and interrogation of the involved persons.
Collating information during investigations and assisting in resolution of cases registered; preparing
Intelligence/ Vigilance Reports. Handling enquiry matters as Presenting or Enquiry officer.
 Custodial and Depository Services: Managing the complete range of Custodial Services viz.,
trading, clearing and settlement as well as post trading, safekeeping and benefit collections.
Subscribing on behalf of institutional clients to public/right issues, collecting dividends, interest,
warrants and principal on redemption. Managing the entire gamut of Depository Services viz. account
opening, dematerialization, pledging, trades processing & monitoring settlement obligations of
Clearing Members. Converting dissatisfied clients to experience ‘customer delight’.
Client Relationship Management
 Managing customer centric banking operations & ensuring customer satisfaction by achieving delivery
& service quality norms.
 Ensuring that highest service standards are maintained for servicing of clients and maintaining
minimum turn-around-time.
 Building and maintaining healthy business relations with clients for cross selling various banking
products and providing advisory services regarding investment.
 Maintaining cordial relations with Tax Authorities to ensure smooth handling of various tax/ audit
matters.
Team Management
 Recruiting, mentoring, training and development of team members to ensure operational efficiency.
 Leading, training & monitoring the performance of team members to ensure efficiency in banking
operations and meeting of individual & group targets.
 Creating and maintaining a healthy & learning environment which ensuring creative & operational
development of the employees.

3. Career Contour
April 2005 - September 2014 at HDFC Bank (earlier Lord Krishna Bank and Centurion Bank of
Punjab)
Banking Ombudsman Coordinator in Chennai. (Retired on30th Sept 2014)
Role:
 Overseeing the collection, compilation of finance and accounts of the bank zone.
 Establishing relationship with auditors and dealing in service tax matters.
 Managing sales tax matters, submitting sensitive returns to the RBI or HO.
 Preparing and submitting the MIS data to management.
 Maintaining internal audits of Administrative office.
 Attending Income tax, Service tax, Sales Tax hearings (assessments/ appeals) and tribunals with the
help of Consultants.
 Advising branches on all practical tax issues.
 Co ordination with Banking Ombudsman cases of the Bank in the Zone Chennai and co ordination of
RBI matters with regard to complaints.
Significant Accomplishments:
 By effective and consistent follow up many pending IT appeals were decided in Bank’s favour
resulting in tax saving on about Rs.60 Crores.
 KVAT/CST license obtained to open up new product of gold coin sales business.
 Data on Tally accounting system is migrated to Centralised Banking Solution to ensure data integrity.
 Appreciation received from Top Executive for successful handing of tax appeals and penalty appeals.
 Achieving migration of ISBS branches to CBS as per timeline.
 Appreciation Letter from Hon’ble Banking Ombudsman for proactive handling complaints.
Feb,1996 – April,2005 with ING Vysya Bank Ltd.
Career Path:
Feb,1996 – Dec,2000 Senior Manager
Jan,2001 – April,2005 Asst. Vice President
Role:
 Overseeing the overall operations of the bank and managing the Vigilance / Depositary Department.
Significant Accomplishments:
 Received an appreciation letter from the Chairman of the Vysya Bank Ltd. for securitisation
unsecured advance of Rs.85 lacs.

4.  Successfully handed DP operations for over 3 years at ING Vysya Bank Ltd and improved the
business by three times.
 Ensured 100% accuracy in share transfer transactions resulting in ‘no claim’ for wrong transfers.
 Operational efficiency achieved which caused no levy of major penalty by NSDL / SEBI.
 Many appreciation received from customers to rate our service as ‘excellent’
 Effective completion of Due Diligence in proposed take over of another Depository Participant.
May,1984 – Feb,1996 with Bank of Maharashtra
Career Path:
May,1984 – Mar,1993 Assistant Manager
Mar,1993 – Feb,1996 Manager
Role:
 Managing the various branch operations.
 Conducting audits and organising inspections.
 Handling credit related activities of the branch.
Significant Accomplishments:
 Unearthed a fraud perpetrated, during regular inspection of a branch.
 Achieved 100% review / renewal of cash credit accounts
 All inspection programmes completed in the targeted time.
 Successful conduct of Silver Jubilee celebration of a branch.
Commenced career with The Lakshmi Vilas Bank as Clerk ( Jan,81 – May84)
Training Programs Attended
 18 months training at The Enfield India Ltd at Internal Audit Department as per Chartered
Accountants Regulations.
 6 months training at N.Krishnaswamy & Co., Chartered Accountants Tiruchi, Tamil Nadu as per
Chartered Accountants Regulations.
 12 months training at Bharat Heavy Electricals Ltd., TN as “Industrial Trainee” as per CA Regulations.
 8 weeks training at Ashok Leyland Ltd, Chennai as per ICSI Regulations.
 2 weeks training at the Registrar of Companies, Chennai as per ICSI Rules.
 Various trainings on Bank Inspection, Vigilance, Bank Operations, etc.
 4 months Core Competency Training in Information Technology conducted by CMC Ltd.
 One week training on Depository Participant Operations at Reserve Bank of India, Mumbai.
 Many other trainings.
Education
 B.Com from University of Madras in 1975.
Personal Details
Contact Address : Flat No. 2, Shanti Enclave, Venkatakrishna Road,
Mandaveli, Chennai 600028
Date of Birth : 10th
Sep 1954