Monica GJ
Dubai,UAE
Summary
I am a highly skilled finance professional seeking a challenging opportunity within a prestigious organization. Possessing expertise in finance, banking, and accountancy, I am eager to actively contribute to the success of the organization while continuously developing and enhancing my skills to drive personal and organizational growth.
Overview
8
8
years of professional experience
1
1
Certification
Work History
VAT Consultant
Singularity GMBH
05.2021 - 08.2022
- VAT Compliance and Reporting:
- Assisted businesses with VAT registration, ensuring all necessary documentation and requirements are fulfilled
- Prepared and submitted accurate monthly VAT returns to tax authorities within required timeframes
- Reconciled VAT returns with the general ledger
- Ensured all reclaimable VAT is received and reconciled
- Monitored ongoing compliance with VAT regulations through periodic internal audits
- Advisory Services
- Provided expert advice and guidance on complex VAT concerns
- Helped clients interpret VAT laws, regulations, and amendments
- Analysed the impact of VAT on specific business operations and financial planning
- Assisted with VAT-related queries from various business units (e.g. Supply Chain, Sales)
- Process Improvement and Risk Management:
- Identified and rectified potential compliance issues to minimize risks of penalties.
- Monitored the accuracy of accounts payable and accounts receivable entries related to VAT.
- Technical Expertise
- Maintained up-to-date knowledge of VAT laws and regulations
- Implemented changes to VAT processes due to regulatory or business changes
- Project Management:
- Coordinate VAT compliance projects.
- Liaised with international clients and colleagues on VAT compliance matters.
- Specialized Tasks:
- Prepared voluntary disclosures to tax authorities for errors above adjustment thresholds.
- Manage foreign VAT reclaims in accordance with local laws and company policies
Process Associate
Mashreq Bank
11.2017 - 02.2020
- JOB RESPONSIBILITIES:
- Managed loan and credit card operations within strict timelines and competing priorities.
- Reconciliation of Master trackers, Inflow trackers & EDMS.
- Prepared and shared daily ONR disbursed cases report with business.
- Prepared and ensured weekly, monthly & quarterly operational reporting are completed accurately and timely.
- Mentored and monitored the performance of team and handling queries related to process.
- Prepared daily & weekly escalations level 1, 2 & 3 report to share with senior management and business heads.
- Closely worked on the cases raised as a discrepancy till it gets resolved.
- Handled process of cancelling security cheques and ensure that card has been cancelled and no active liability.
- Received and Reviewed Credit cards, Personal loans, Account opening and Maintenance cases.
- Processed new application documents by reviewing data for deficiencies; resolving discrepancies and responsible for moving cases to Work exit.
- Produced daily reports including numbers of cards and loans disbursed cases.
- Handled Queries, communicates in writing, email, or by telephone to inquiries.
- Received and Reviewed of Insurance new Application, Amendments and Maintenance cases.
- Segregated documents into Provider wise and sending them to Providers SALAMA, METLIFE, ZURICH, OMAN Insurance, Business Insurance and OLD MUTUAL.
- Produced daily reports including number of applications in our queue and debiting premium.
- Moved cases to Work exit Queue , once all the documents have been processed successfully.
- Conducted thorough KYC checks on new clients to verify identities, including document verification and KYC forms data entry and public domain research.
- Identified potential risks and red flags, and noted the risk assessment level based on company KYC policy
- Ensured adherence to company KYC policy and procedures.
- Kept updated with regulatory changes and industry developments to implement best practices in the KYC process.
Assistant Manager
HDFC BANK
11.2014 - 12.2017
- Utilized computerized record-keeping systems to maintain accurate and up-to-date financial records, including tracking in the Form Tracking System (FTS) which is a form of data maintenance system.
- Cleared any exceptions from the FTS in coordination with IT team.
- Prepared monthly reports and bank reconciliation for branch banking accounts.
- Consistently met monthly and quarterly sales goals to enhance branch production and revenue.
- Processed over 100 customer requests for financial services daily, including reissuing statements, ordering additional checks, and updating customer information in the database.
- Analysed the data files on day to day basis as per internal requirements.
- Built rapport with new clients to increase satisfaction and loyalty.
- Promoted all financial products by maintaining excellent service knowledge and offering.
- Utilized Oracle Flexcube and CRM to access customer information and databases effectively.
- Conducted detailed financial reviews for business clients to sell appropriate products that fit their needs.
- Provided high-quality customer service through a friendly approach, strong professionalism, and timely assistance with customer transactions.
- Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
- Monitored customer behaviour and adhered to strict protocols to prevent theft of assets.
- Executed wire transfers, stop payments, and account transfers accurately.
- Volunteered to work extra shifts during holidays and other busy periods to support staffing needs.
- Maintained friendly and professional customer interactions at all times.
- Advised clients on mortgage, education, and personal loans based on their needs.
- Assisted and remained calm and professional when dealing with difficult customers or high-stress situations.
- Observed all procedures regarding financial and customer information to prevent possible breaches and data misuse.
- Reviewed customer files regularly to ensure receivables were in good condition.
- Managed the quality assurance program, including conducting internal audits and customer surveys.
Education
MBA - Finance
School of Management Manipal University
01.2014
BBM - undefined
Alva's college of Business Management Mangalore University
01.2012
Skills
- ENHANCED DUE DILIGENCE
- SANCTION SCREENING
- CUSTOMER DUE DILIGENCE
- KYC
- AML
- COMPLIANCE AND REGULATORY ADHERENCE
- SWIFT MONITORING
- INVESMENT MANAGEMENT
- RISK MANAGEMENT
- CUSTOMER SERVICE
- DATA ANALYSIS
- PRIVATE BANKING
- RETAIL/COMMERCIAL BANKING
- TALLY ERP 9
- FLEXCUBE-ORACLE
- IRIS
- CRM
- PREM
- MS OFFICE
- NEO FE PORTAL
- EDMS
- FTS
Certification
- Globally Certified KYC specialist from Go-AKS (Accredited by ONRIGA).
- Certified Investment Banking Operations Professional from Imarticus Learning.
- Tally ERP 9 from Electronics Corporation of India Limited (ECIL).
Languages
English
Kannada
Telugu
Tamil
Hindi
Timeline
VAT Consultant
Singularity GMBH
05.2021 - 08.2022
Process Associate
Mashreq Bank
11.2017 - 02.2020
Assistant Manager
HDFC BANK
11.2014 - 12.2017
BBM - undefined
Alva's college of Business Management Mangalore University
MBA - Finance
School of Management Manipal University
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