Successfully reported this slideshow.
We use your LinkedIn profile and activity data to personalize ads and to show you more relevant ads. You can change your ad preferences anytime.

CURRICULUM RAMA 1

58 views

Published on

  • Login to see the comments

  • Be the first to like this

CURRICULUM RAMA 1

  1. 1. CURRICULUM PERSONAL DETAILS NAME : Ramakrishnana/l Govindan ADDRESS(HSE) : No.88, JalanPrimaSaujana1/4J, PrimaSaujana,Section1 43000 Kajang (OFF) : StandardCharted(Scope International (M) SdnBhd TELEPHONE (HP) : 013 3979506 D.O.B. : 21-01-1965 SEX : Male RACE : Indian RELIGIOUS : Hindu MARITAL STATUS : Married ACADEMIC RECORD 1984 : SPM(Sek.Men.Sri Ampang 1990 : DiplomainBusinessManagement Others : FIMM (UNITTRUST CONSULTANT). COMPUTER KNOWLEDGE 1. MicrosoftWords 2. Excel 3. Lotus WORKINGEXPERIENCE 1985-Mid 1997 : PerwiraHabibBankBerhad KL (Batu CantonmentBranch,JalanIpoh) POSITION : - 12 years(from1985-1997) Officer2 - OperationDepartmentatBranch - Handle S/A,C/A,F/D(Opening&Closing) - In-charge of customersstatement - Handle customer’senquiriesandcomplaints - Handle cash(CIT),Chief cashier
  2. 2. - CheckingTeller’sCashBalancing - BillsDepartment Handle Inward/Outwardclearingcheque forBranch 1997 to February2006 : AffinBankBerhad(AssistantManager) Raja Chulan(SpickProcessingCentre),KL POSITION : (1997-Feb 2006) Rank – Asst.Vice President2 - Processingof KLCHCheques - 15 Downline staff (Operator’s) - Monitorstaff performance ondaily - Total Branch’s undersupervisionis43 Branches - VerifyInwardclearingcheques - DownloadingData(BNMfile) - End Day Balancingchequesagainstreports - Performadministrationtask - Printdailyreports February2006 TransferredtoTaman Maluri Branch as AssistantBranchManager January2007 – promotedas Manager, Branch Services, Taman Maluri Branch - Managing(A) Branch – KlangValley - ManagingSales/OperationTeam - Numberof staff 10 Branch Deposit - Retail – Targetachievedfrom2007 – 2014 (Branch Depositfrom35mil-159mil) - Corporate Accounts – 60-75% achieved CreditCard – 40%, DebitCard70% Loan (Mortgage) 40% August2015 Dec 2015 (3 months) TransferredtoKajangBranch – To handle more Corporate and Governmentaccounts. Withnumberof staff 14 (sales(1) andoperations) Deposit: Retail – 45% Corporate – 30%
  3. 3. Mortgage – 15 % Creditcard – 5% DebitCard – 90% Roles& ResponsibilitiesasManager Branch Services: Financial: a. Managing Branch OperatingCost,Productivity Initiatives,LiabilitiesManagement(Monthly) b. Branch deposits(SA,CA &FD) & otherproduct – Mortgage,Credit/DebitCards.WealthManagement & Fee Base as per targetgiven. Customer a. CustomerService (complaints).Complaint escalation&resolution(within2days) b. Timeline reportsubmission(internal &external) c. Reconciliation(Daily/Monthly) d. No SSLoutages(ATM, CDM& CDT machines) e. Branch ReadinessforBusinessandTimelinessin closingBranch Process: a. MaintaingoodAuditrating b. Operational lapses/losses/fraudreporting,near misses – 24 hournotification&OpRiskandFLOR submissionwithin2days Process Act as Branch Compliance Officerandassume the responsibilitiesasrequiredunderBNM’s Anti MoneyLaunderingGuidelines Objective ofKYC/CDD * To predictwithrelative certaintythe typesof transactionsinwhichacustomerislikelytoengage * Thisassistsindeterminingwhentransactionsare potentiallysuspicious. VerificationofDocument - Acceptable DocumentsforIndividual Customers * NRIC/Passport * AnyOtherOfficial documentsbearingthe photographof the customer,satisfiedwiththe authenticity of the document. * If biometricIDisused,verificationrequirementdeemedtohave beenfulfilled. Nophotocopyof ID is necessary * If there isdoubt – require the customertoproduce othersupportingofficial identificationdocuments bearinghis/herphotograph.
  4. 4. High Risk Countries * BlacklistCountries * Iran(since 2009) * DemocraticPeople’sRepublicof Korea(since 2011) * GreyList Countries(asatMay 2015) FATF * Algeria * Ecuador * Myanmar * Vanuatu– by APG * BosniaandHerzegovina–by MONEYVAL. CDD – Legal Person/Corporate Customers * Memorandum/Article/Certificate of Incorporation/Partnership * NRIC/Passport–Directors/Partners/Shareholders * Authorisationforanypersonwhorepresentthe company/business. * AdditionalInfo –e.g.beneficial owner,source of funds. SpecificCDD Measures – Individual Customers/Beneficial owner * Full name * NRIC/passportnumber * Address(permanent&mailing) * Date of birth * Nationality * Occupationtype * Name of employerornature of self-employment/business * Contactnumber(home,office ormobile) * Purpose of Transaction. CustomerDue Diligence (CDD) 3 Elements * Identification –Identify,SightIDdocument * Verification –Take copy of ID document * On-GoingDue Diligence –Reviewandupdate profile,TransactionMonitoring. Enhance Due Diligence * Customersassessedashigherrisk * ForeignPEPs * OtherPEPsassessedashigherrisk * Customersfromhighriskjurisdictions(blacklist) * Customersfromhighriskjurisdictionsassessedashighrisk(greylist) * ObtainCDD information * Obtainadditional information(estimatedvolumeof asset) * Inquire source of wealthorfunds(inthe case of PEPs both) * Obtainapproval of SeniorManagement. Enhanced Due Diligence (EDD)
  5. 5. CDD : Verification 1. EstablishingBusinessRelations 2. Money Changing/Wholesalecurrencyof RM10,000 and above 3. Wire transferof RM3,000 and above 4. Occasional TransactionsinvolvingRM50K 5. Cash transactioninvolvingRM50K and above 6. It has suspicionof ML/TF 7. It has doubton veracity& adequacyof previousobtainedCDDinformation. Customerpose High MoneyLaunderingrisks :- -Highnetworthindividuals -Non-Residentscustomers -PEPs(PoliticallyExposedPerson) -Fromlocationsknownfortheirhighratesof crime. -CountrieswithinadequateAML/CFTlaws&regulation. SubmissionofSTRs – inputsummarizedas follows: -Nature of business/occupation. -Name underPersonconductedthe transaction(PCT) -FrequencyunderTransaction. -TransactionDate -Groundsforsuspicion -Descriptionof suspectedcriminalactivity -Detailsof the nature andcircumstancessurrounding -Immediate responsefromCustomerasBranchconduct CustomerDue Diligence in the course of enquire aboutthe suspicioustransaction. -Submissionof Complete STRformto Head,Branch OperationforonwardsubmissiontorelevantLaw EnforcementAgenciesBNM.s Report: -DailymonitorAMLA report- Large amount dailytransaction CA/SA,Mortgage Loan settlement,Hire Purchase settlementetc. Briefing: QuarterlyconductAMLA briefingandmustbe recordedthe attendance Others a. Act as Branch Operational RiskCoordinator b. DailyMonitorFinancial Exchange Administration(FEA) c. Adhere toBank’sCompliance d. AppointedasBranchSafetyandHealthCommittee Member (SHC) People Development: a. Staff performance/development&trainingskills b. Staff SuccessionPlanning/CareerDevelopment c. Manage Staff Productivitydaily
  6. 6. January2016 – Present StandardChartered – Scope International (M) SdnBhd As SeniorManager 1. Supervisingdailystaff onduty: - 6 managersonduty - 34 operatorsonduty performingdailywork 2. DailymonitorDashBoard - staff performance - Numberof itemsprocessedbyCentre - Turn AroundTime (TAT) (peritemprocessed) - MonitorError byindividually(Operator) - Verifyreport–itemreceivedandprocessed 3. MonitorTransactions: OTT Payment– Countries (SG/HK/MY/UAE/QR) 4. ITT Payment - My 5. Inwardclearingcheque processing - MY OtherResponsibilities: a. AMLA Reporting b. Financial Exchange Administration c. Bank Compliance REFERENCE : AffinBank – Ms Rozilawati (0126707574) StandardChartered – Mr Baskaran (012 2441335) EXPECTED SALARY : RM7,000.00

×