Moorthy Govindarajan has over two decades of experience in banking operations including branch banking and back office operations. He has worked with several major banks such as State Bank of India, IndusInd Bank, Royal Bank of Scotland, Deutsche Bank, and National Australia Bank. His experience includes various transaction banking functions like payments, trade, cash management, and accounts. He has expertise in risk management, regulatory compliance, process improvement, audits, and managing teams. Currently, he is seeking a role utilizing his extensive experience in banking operations, risk controls, and leadership.

1. MOORTHY GOVINDARAJAN
Phone: 04424523878; Mobile: 9841042842 E- Mail: moorthy.govindrajan@hotmail.com
6/2 PMC Gems Apartments, No. 3 Sivagamipuram First Street, Chennai 600 041.
Resume Summary
A banker over two decades of experience in banking industry ~14 years into branch banking services and ~12 years into back office
operations with E2E front-to-back domain knowledge & client experience.
Banking experience with State Bank Group, IndusInd Bank, Royal Bank of Scotland & Deutsche Banking Group. Exposure to
various transaction banking functions including:
o Cash & Payments Operations – Remittances , Lending operations, Liquidity management
o Trade Operations- Letter of Credits, Collections, Financing & Guarantees
o Cash Management Services – Corporate cash management services, Collections, Cash Pooling, Clearing and MI etc.
o Account Services - Account Opening, Account closure, Accounts Maintenance, Fixed Deposits, Static data set ups.
o Operation Control - Investigations & Reconciliations.
o Risk & Compliance.
An international cash management certified SME.
In depth understanding of regulatory norms and requirements in the financial services domain.
Expertise in managing the risk, assurance and quality of the operation teams. Prepared teams for facing (ISO,IS, internal/external) audits.
A certified internal people leadership program, deft in embracing continuous improvement quality initiatives such as Lean, Six Sigma.
Expertise in implementation of Operation risk framework and standards, SOP governance, identification of issues, controls implementation,
documenting root cause analysis, RCSA(Risk Control Self Assessment) exercises, review checklists, working with multiple stakeholders in
operations & technology on key risk indicators(KRIs) framework –preparing monthly scorecards, dashboard , controls testing, assessments.
Organizational Experience
Sep 2015 – March 2016: DBOI Business Services Private Limited (Deutsche Banking Group)
Role: Associate Vice President
Duration: Sep 2015 – March 2016 (6 months)
Location: JAIPUR.
Span of control 47 FTEs
Worked with Cash and Payments operations which deal with Payment Processing & Investigations, Fund Releases and AML related investigations.
Oct 03 - Aug 2015: RBS Business Services Pvt. Ltd (12 years)
Role: Associate Vice-President. Joined as Assistant Manager.
Location: Chennai.
As Associate Vice-President – India Centralized Remittances
• Responsible for managing a team of 52 members across locations (Chennai / Delhi) handling domestic (NEFT/RTGS) and cross
border (SWIFT) remittances of clients holding accounts with 11 branches across pan India.
• Spearheaded and supported India change sunrise project by migrating 15 FTE roles involving 60+ activities to back office, sale of retail
clients portfolio to RBL Bank and sale of diamond client portfolio to IndusInd Bank in recent times.
• Established and delivered a strong one point of contact for India stakeholders and strategic relationship management. Managed
multiple changes, SOPs, handled large teams across various locations in business transitions and consistently delivered 10-15%
FTE saves & managing team attrition below 10% in last 5 years.
• Provided Operation Risk Management support by conducting process walk through with processing teams, self identification of
issues, documenting risks, root causes, impacts analysis and mitigation controls. Partnered with key stakeholders to
identify/mitigate operations and technology risks, developed KRIs (key risk indicators), monthly dashboards and escalation in
managing top risks / emerging risks.
• Conducted Risk Control Self Assessment (RCSA)exercises in identifying and managing top risks and emerging risks ,
implementing AYIC (Are in You in Control) testing, self identification of audit issues, prepared test plans, risk assessments, gap
analysis and execution.
• Supported people training and implementing a compliance training module for Transaction Banking Operations covering AML
Policies, KYC, FEMA, FATF, OFAC, SDN Filtering & Sanctioned countries.
• Holds the credit of piloting the implementation of Records Management Standards to group comprising 1650 employees in the
RBS GTS Business division in 2012; designed & developed process document as per group policy and created process rule books
for various teams

2. As Senior Manager – Trade Operations
• Handled India trade operations supporting trade transactions for corporate / retail / Diamond clients of 11 branches.
• Pivoted a 55 member team in setting up a centralized monitor and control desk in handling all support functions involving trade
settlements, recoveries, claims, reconciliations and compliance check monitoring as independent desk within trade BU.
As Senior Manager - National Australia Bank (in sourcing client) operations
• Supervised and mentored 45 team member operation handling a sensitive inbound client
• Responsible for carrying out 100,000+ Domestic/Cross Border Payments Processing a month via SWIFT/Local RTGS and
investigations, invoice discounting process.
• Collaborated and delivered a change initiative to automate the invoices discounting process,
• Established a standard SOP Governance by implementing risk governance and standard framework.
As Senior Manager - UK/EMEA Operations
• Supervised and provided leadership for local site (Gurgaon) involving 60 team members.
• Spearheaded UK/EMEA Payment Operations and involved in setting up new team, train, implementing span of control, moving
process from Chennai and streamlining the BAU within short span of time which was appreciated by senior management
• Led team in development and support STP analysis initiatives and automation change opportunities for Asia/Europe region
international SWIFT payments resulting in STP processing for Australia increased from 8% to 72%. Europe & Asia Units resulting
in STP rate of 40% to 67%. Supported preparing templates and preparing education pack to clients to reduce repairs.
As Manager- APAC Region
• Led a team 30 members. Involved in process migration for Singapore and Australia countries for remittances services in captive.
• Oversaw payments operations involving about 80,000 to 100,000 payments processing a month via SWIFT/local RTGS
investigations, reconciliations and deposit operations
• Have driven common initiative to identify risks, analyze, documents and arrive at mitigants by closely working with all
stakeholders and implemented a manual reconciliation process by processing units before booking a transaction for 21 countries.
Mar’01- Oct ’03 ABN Amro Bank, Chennai as Assistant Manager– Corporate Banking Services and Operations.
• Supported front desk operations and supervised corporate banking services covering Remittances, Account opening, Account
closures, Static Data Maintenance, Deposits, Treasury back office, Bullion, Reconciliations, HR and Admin functions.
Mar’99-Feb ‘01 ABN Amro Bank, Baroda as Assistant Manager– Services and operations.
• Holds the distinction of being a part of front office Branch service and operations team overseeing Account Services , Account opening,
Account closing, Static Data maintenance, Clearing, Cash, Deposits, ATM, Lockers, Safe Custody, Treasury Back Office & Remittances
(inland/foreign) functions and ensuring smooth operations for retail / commercial /corporate clients.
• Awarded with Star Employee of Bank in Apr’01, one amongst 1421 employees of ABN Amro Bank for a significant contribution
single handedly while managing an overnight treasury position with partner bank-State Bank of India
• Served as a part of a core team for successful implementation of Bank of America retail operations products which included
recruitment of staff, creating of process notes, training to new staff, setting-up systems, monitoring the project migration, ensuring
smooth transition for end-customer.
Mar’96 to Feb’99 IndusInd Bank Limited (Various Branches) as Deputy Manager – Services and Operations
• Served as a part of Branch Service and Operations handling various branch teams of Gujarat regions and worked with
Ahmadabad, Baroda and Rajkot (Morvi) Branches and also involved in Branch operation setups of the same in addition to BAU
management. The key functions entailed heading the entire operation team supporting conduct of Forex / remittances / clearing /
cash / account services of retail / corporate clients.
Dec’88-Feb’96 State Bank of Saurashtra (Various Branches) as Assistant Manager
• Oversaw Trade, Credit & General Banking functions while working with Ahmadabad (Industrial Finance-Ashram Road), Jamnagar
(Industrial Finance), Lalpur (Jamnagar, Gujarat) and Chennai (Mount Road) Branch.
Education
1994 Certified Associate of Indian Institute of Bankers (CAIIB)
1984 B. Sc. From Chennai University
Others:
• Certification on Anti-Money Laundering (AML) and Know Your Customer (KYC) from Indian Institute of Banking and Finance.
• Diploma in Computer Management from Indira Gandhi Institute of Computer aided knowledge, New Delhi
• Diploma in Application Program for Bankers from CMC Limited, Ahmedabad.
Professional Enhancements
• Accreditation in Future Leadership Program for senior managers in RBS, 2013
• Certified RBS coach – one amongst 28 of 7000 employees of global offshoring hub.
• Underwent:
o International cash management certification program Oct 2011
o Certified Lean agent & underwent Six Sigma Training conducted by TQM International, an affiliate of Motorola University in Chennai
o Certified “Leadership Excellence” MDP program conducted by Indian Institute of Management, Calcutta
Other Accolade
• Taking part in marathon running events