Karuna Kartika Raj

• Provided expert guidance on HR-related matters.
• Formulated HR policies, guaranteeing adherence to employment laws.
• Facilitated employee training and development initiatives.
• Created and implemented multiple learning solutions across virtual and in-person platforms.
• Analysed training program success using feedback forms.
• Implemented strategic initiatives to enhance employee wellbeing.
• Fostered effective relationships with management, addressing HR concerns.
• Completed various tasks assigned by Management.

PROJECTS:

• Developed and implemented Workplace Discrimination and Harassment Policy.
• Created and delivered comprehensive learning modules on Diversity, Equity, and Mental Well-being for Adactin Group.

• Monitor and control the flow of goods into the warehouse
• Inspect goods upon arrival for correct products, quantities, and defects.
• Managed computer operations to locate and verify item quantities in stock.
• Tagged items with specific storage location details.
• Organise goods in bins and on racks.
• Entered delivery slips, requisitions, and invoices into computer systems.
• Inspected shipments for damages and discrepancies.
• Addressed supplier discrepancies for damaged, oversupplied, short-dated, and short-supplied stocks.
• Coordinated with suppliers to address discrepancies.
• Addressed questions and concerns from both internal and external stakeholders.

• Understanding clients’ goals, needs and loan borrowing capacity for mortgage applications
• Analysing and recommending mortgage-lending solutions according to client’s needs
• Arrange home loan, insurance and other types of finance for clients
• Preparing and lodging mortgage documents, which set out the conditions of finance, repayment and loan periods
• Work closely with the internal and external stakeholders to ensure a smooth and efficient mortgage application process
• Manage end-to-end processing and settlement of mortgage loans
• Arranging insurance with prospective clients to explain insurance policy conditions, risks covered, premium rates and benefits and make recommendations and amount and type of cover
• Verifying and lodgement of Government Grant Housing application for mortgage customers at Ministry of Housing
• Work closely and stay connected with clients throughout the mortgage process
• Stay informed about market trends, interest rates, and regulatory changes to provide clients with timely and relevant information
• Provide professional sales expertise and drive digital banking to customers to help them meet their financial needs and goals
• Responsible for delivering exceptional customer service experience to adhere to service standards and sales process
• Expanded customers' product portfolios through cross-selling additional offerings.
• Conducted and managed training programs focused on compliance and ICARE.
• Oversaw team administration tasks including stationery orders, staff discretion, and suspense account balancing.
• Coordinated engagement with internal and external stakeholders including real estate agents, valuers, and solicitors.
• Coordinated team building activities and end-of-year team retreats.
• Coordinated planning and execution of an ANZ-sponsored event for Fiji Medical Association Conference.

AWARDS AND ACHEIVEMENTS:

• ANZ CLU Collaboration Award for helping Fijians into homes and achieving a drawn Home Loan book growth of 39% for FY2020
• ANZ CLU Customer Centric Award for being passionate towards customers and providing good customer experience for FY2019
• ANZ CLU Certificate of Recognition for contribution towards helping Fijians into homes and achieving a team growth of 38% for FY2019

PROJECTS:

• Conducted review of Fiji Customer and Lending fees in conjunction with ANZ Pacific Products team based in New Zealand for the fiscal year 2022.
• Assessing functionality of construction loans in Fiji with ANZ Pacific Products based in New Zealand for FY2021.
• Delivered Mortgage Tracker Training across all 11 branches in Fiji during fiscal 2019.
• Led team of four to settle home loan files for all Fiji branches from June to August 2019.

• Working with other bank branches to understand potential process improvements and documenting end to end processes to achieve 'Operational Excellence'
• Liaising with communication specialist to implement and inform new processes
• Managing KYC and reporting KYC error report to Fiji branches
• Governance reviews for CLU and CMT team and Fiji branches
• Event management
• Manage reviews for all Fiji branches
• Digital Operations and provide data insight to BU

• Attend to Hardship DN, LRD requests and FastTrack DN
• Liaising with customers affected during COVID-19 regarding loan deferment request
• Address backlog queries

• Understanding clients’ goals, needs and loan borrowing capacity for mortgage applications
• Analysing and recommending mortgage-lending solutions according to client’s needs
• Arrange home loan, insurance and other types of finance for clients
• Preparing and lodging mortgage documents, which set out the conditions of finance, repayment and loan periods
• Work closely with the internal and external stakeholders to ensure a smooth and efficient mortgage application process
• Manage end-to-end processing and settlement of mortgage loans
• Provided consistent high-caliber support aligned with ANZ customer service criteria.
• Work efficiently and accurately to process customer transactions as quickly as possible while gaining knowledge and understanding of customers through listening and questioning to identify potentials needs
• Addressed and solved customer concerns to foster positive interactions.
• Managed end-to-end reporting of suspicious transactions within the SUAR framework.

Awards and Achievements:

• ANZ CEO Award for helping to build a culture of outperformance at ANZ, delivering great business results and exemplifying ANZ’s values for FY2017
• ANZ Team ICARE Award for team collaboration in providing excellence customer service for FY2012

• Provide 5-Star service to customers and carry out efficiently and accurately, in a friendly and courteous manner all duties associated with the receipt of deposits and payment of cash
• Develop and maintain a high standard of product and service knowledge in transaction areas
• Proactively identify and address areas of customer dissatisfaction, follow up and resolve customer complaints within your discretion or refer
• Opening of personal accounts and business accounts
• Submission of Personal Loans, Home Loans, Small Loans, and Visa Card Applications
• ANZ Bank is a major banking and financial services institution in the Asia-Pacific region

Awards and Achievements:

• Acknowledging our Great Performers for setting good examples in strictly following processes in cashing traveller’s cheques leading to the detection of fraudulent traveller’s cheques
• 200 Club for achieving 50 consecutive day of cash balancing

• Entered external exam results into the system.
• Packed and dispatched exam results.
• Processing transactions and reporting summaries for each day
• Compared paper and exam results to uncover inconsistencies.
• Compiled and submitted discrepancy report to management.