1. N M RUFUS KUMAR
Flat 306, SAF Tejas Blooming Dale Apt, E-Mail id: rufus.kumar@rediffmail.com
1st Main, 11th Cross, Pai Layout, Website: http://in.linkedin.com/in/rufuskumar17
Beniganahalli, K R Puram, Bangalore – 560 016.
Mob # 98861 33464
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Executive summary:
 A resourceful and result oriented professional with about 10+ Years of experience in Banking Sector & 5+ Years
of experience in NBFC/ FFMC’s
 Handled various Banking roles as – Payments Operations Supervisor (CTS Clearing, RTGS & NEFT), Teller
Supervisor, CMS Payments & Customer Servicing.
 Effectively communicate with all levels of management to accomplish company goals.
 Well developed etiquette of electronic communication
 Ability to work for long hours and on weekends to fulfill job requirements.
 Ability to train, supervise, motivate, and evaluate team members
PROFESSIONAL EXPERIENCE:
RATNAKAR Bank Ltd (RBL), Bangalore Jan 2014 – till date
(Deputy Manager – Clearing & PaymentsSettlement Operations)
 Managing & supervising CTS Clearing Activity for entire Southern Grid locations.
 Managing RTGS & NEFT transactions.
 Supervising & Mentoring team members spread across South Clearing Grid Locations to excel in their given roles
 Responsible for ensuring superior customer satisfaction in accordance to service framework..
 Ensure that all e-mail communication activities are performed in accordance with Bank’s policy.
 Monitoring and reconciling of all Office Accounts, Receivables and Payables on a daily basis.
 Authorize and release all RTGS & NEFT transactions from Banks end.
 Ensure Error free transaction processing with no operational loss.
 Engaging with Clearing house & other Bank’s to sort out outstanding entries without exposing the bank to
financial risk
 Ensuring BCP is in place as per company operational guidelines & BCP is conducted at regular intervals.
 Managing existing resource to handle peak volumes
 Back-up for critical roles
INDUSIND Bank Ltd, Bangalore Nov- 2013 – Jan 2014
(Deputy Manager – Retail Banking Operations – Customer Service Delivery)
 Responsible for :
o Ensuring service excellence to enhance existing portfolio.
o Branch cost and profit analysis on monthly basis.
 Imparting effective lobby management and work flow management at all desks.
 Ensuring customer delight by maintaining high levels of service delivery and quality standards.
 Leading & managing the complete branch operations in addition to sales with key focus on bottom line profitability
by ensuring optimal utilization of available resources.
 Administering the aspects connected with facilities management, internal external audits and dealing with
statutory bodies.
 Initiating and encouraging participation in team meetings to discuss issues related to team productivity and quality
& participating in quality audits.

2.  Making specific changes in system / processes / work methods to improve performance and manage information
in a systematic and structured manner.
 Ensuring audit compliance through effective book keeping.
 Handling the retail banking operations in the branch and ensuring strict compliance to the statutory regulations.
 Ensuring strict implementation of AML guidelines with respect to KYC and new account opening.
 Creating and sustaining a dynamic environment that fosters development opportunities and motivates high
performance amongst team members.
YES Bank Ltd, Bangalore Feb 2010 – Sep 2013
(Asst. Manager Operations – Teller, Clearing & Customer Service Delivery)
 Managing entire Clearing Activity – MICR clearing & CTS Clearing for all Branches in Bangalore
 Supervising & Mentoring team members of Teller Counter & Clearing Operations to excel in their given roles
 Supervise Teller’s to ensure excellent customer service and proper processing of cash related transactions
initiated by customer’s e.g. Cash Withdrawals, Cash Deposits, RTGS, NEFT, Fund transfers etc
 Ensure that CMS facility is effectively used and lodged under proper Product Code in CMS for speedy realization
and credit to customers account.
 Responsible for ensuring superior customer satisfaction in accordance to service framework..
 Ensured that all e-mail communication activities are performed in accordance with Bank’s policy.
 Authorize transactions processed in the branch by the tellers in line with Bank’s policy.
 Verify that all account opening documentation are as per KYC & AML guidelines and compliance to KYC and
AML policy are strictly adhered to by the team members.
 Monitoring and reconciling of all GL Accounts, Receivables and Payables on a daily basis.
 Authorize and release all RTGS & NEFT transactions from Banks end.
 To co-ordinate with various FFMC’s for conducting Forex Transactions.
 Ensure Error free transaction processing with no operational loss.
 Engaging with Clearing house & other Bank’s to sort out outstanding entries without exposing the bank to
financial risk
 Ensuring BCP is in place as per company operational guidelines & Managing existing resource to handle peak
volumes
 Back-up for critical roles
UAE EXCHANGE CENTRE LLC, Ajman – UAE Apr 2009 – Sept 2009
Senior Officer III G09
To motivate and extend support to customer service representatives for providing superior service & perform error
free transactions.
 Taking care of Branch Operations and handling day to day operations.
 Monitoring large volume transactions & reporting to internal Anti Money Laundering team.
 Processing of TT’s through SWIFT to both individual & corporate customers, providing day end TT report to HO.
 Providing superior service to customers of Western Union & ensuring the daily tallying of the same with XCQ.
 Monitoring transactions over counter’s to ensure that Products & Services offered is not used for conducting
illegal activities.
 Visiting Corporate and Labour camps to create awareness of various products & services offered especially
Smart Pay.
 Educating customers of various products & services offered like – Xpress Money, DD, TT, Express Transfer, Bill
Payments, Inter-Emirate transfer, Foreign Currency Exchange & Western Union Money transfer.
 Building and maintaining healthy business relations with high net worth and corporate clients, ensuring high
customer satisfaction by quality service.
YES Bank Ltd, Bangalore Jul 2006 – Jan 2009
Branch Service Partner – Operations

3.  Handling Clearing Operations-Inward, Outward-MICR and HV, ECS Settlement.
 Handling Cash Management Service (CMS) Activities.
 Reconciliation of GL Accounts & controlling suspense accounts like Receivables and Payables.
 Processing RTGS-Real Time Cross Settlement Transactions and NEFT- National Electronic Funds Transfer txns.
 Coordinating with Retail Assets department for disbursement of Retail Loans.
 To coordinate with various departments like forex, treasury,to provide service to the customer.
 Handling teller counter which involves complete cash transactions both receipts and payments
 Co-ordinating for all the IT requirements of the Branch.
STANDARD CHARTERED Bank, Bangalore Oct 2005 – May 2006
Customer Service Executive
 Handling teller counter which involves both cash transactions & non-cash transactions.
 Handling all queries pertaining to Customer’s debit cards.
 Receive Cash Deposit envelope’s deposited in ATM’s & Sevak Machine, verify amounts & check accuracy of
deposit slips
 Issuance of Pay Order’s, Corresponding Bank DD’s and Demand Drafts.
 Creation and closure of Fixed Deposits, Fund Transfer’s etc & handling all High Value cheque postings
 Placing Stop Payment of cheques, Lien or removal of Lien on a/c’s as per customer’s request.
 Achieving the targets given by the superior.
 Identified opportunities for cross-selling of value-added Bank’s products & services.
 Provided highly personalized service that built and strengthened customers’ relationships.
 Responded to a broad range of customer inquiries and swiftly resolved problems
HDFC Bank, Bangalore Dec 2004 – Oct 2005
Retail Executive – Operations
 Handling teller counter which involves complete cash transactions both receipts and payments
 Issuance of Manager’s Cheque and Demand Draft
 Creation and closure of Fixed Deposits. Transfer of funds internally
 Preparation of daily reports on core accounts
 Handlings all queries of cheque returns & solving customer complaints by giving a satisfactory solution.
 Being the ATM Custodian, handling all work pertaining to ATM
 Knowledge in Foreign Currency Transactions, which involves currency, cheque and TC’s
 Transfer of funds to other countries under SWIFT system.
 Knowledge in issuance of Forex Plus Card
 Providing referrals to team members across multiple lines of business & achieving the targets given by the
superior
UAE Exchange & Financial Services Ltd, Bangalore Aug 1999 – Aug 2004
Asst. Manager
 Supervise the entire Business of the Branch and handling day to day operations.
 In charge of entire Branch revenue & ensure given targets are achieved by the team.
 Overlooking of International & Domestic Air Ticketing Business.
 Responsible for liasoning with various Banks, FFMC officials for conducting Forex Business.
 Responsible for liasoning with Travel Agents, Corporates & MNC’s for providing Forex business.
 In charge of keeping records updated pertaining to Sales Tax & Profession Tax.
 Responsible for getting new Agent’s, Corporates & MNC’s for Forex Business.
 Educating customers of various products & services offered like – Xpress Money, DD, TT, Foreign Currency Exchange,
Money Gram transfer & to use them effectively.
 Leading & monitoring the performance of team members to ensure efficiency in Branch operations & meeting of
individual as well as Branch targets.
 Fully committed for providing the highest standards of customer service and support.
 People oriented; enjoy working directly with customers and the general public.

4. * Branch set up: I was instrumental in setting up UAE Exchange & Financial Services new Branch in Salem. The new
Branch set-up was completed. Educated the new recruits about our Company and its various Products & Services offered to
our Clients.
EDUCATION :
BANGALORE UNIVERSTIY
Bachelor of Commerce, 1996
Skillssummary:
 Working knowledge in banking software – Flex cube & Finacle.
 Good working knowledge in Internet applications and Microsoft Office kit: - Word, Excel and PowerPoint.
 Typing skills – Jr. Typing 1st class.
Achievements:
1) Being one of the winners in Insurance Contest organized by the YES Bank, I was sent on a Bank sponsored trip to GOA
& was awarded with a memento along with Letter of Appreciation for being CBP Star, CBP Achiever & Policy Achiever
FY06-07.
2) Being awarded for Noteworthy Contribution in YES Bank - Customer Service for 2010
PERSONAL DETAILS:
Nationality : Indian
DOB : 17.03.76
Sex : Male
Marital Status : Married