NIKOLAUS SURNAME
Sydney,NSW
Summary
Results-driven banking professional with extensive experience in operations, customer engagement, and risk-aware practices. Demonstrated expertise in fraud detection, regulatory compliance, and cash handling within the retail banking sector. As a 2IC at Commonwealth Bank of Australia, successfully led team training, authorized high-value transactions, and maintained operational excellence. Strong leadership background as a graduate of CBA's Inspire & Lead Program. Committed to continuous improvement. Seeking a role to contribute to financial crime prevention and operational risk management by leveraging analytical mindset, investigative skills, and in-depth knowledge of banking systems and compliance protocols.
Overview
15
15
years of professional experience
1
1
Certification
Work History
2IC (Second in Charge), CBP
Commonwealth Bank of Australia
09.2024 - Current
- - Authorise transactions and International Money Transfers (IMTs) while ensuring compliance with internal risk protocols and anti-fraud procedures.
- - Support daily operations and lead the promotion of a risk-aware branch culture.
- - Train and mentor new staff on procedures, compliance, and service delivery.
- - Investigate customer queries, resolve escalated issues, and ensure adherence to bank policies.
Customer Banking Specialist, 48 Martin Place Flagship
Commonwealth Bank of Australia
04.2023 - 09.2024
- - Conducted financial health checks and assessed customer needs, including for complex products (home loans, business accounts).
- - Actively promoted digital banking and process automation tools, reducing in-branch processing risks.
- - Applied risk assessment frameworks when handling sensitive account modifications or transactional concerns.
- - Delivered customer solutions within regulatory boundaries and promoted a compliance-first mindset.
Leadership Development: Inspire & Lead Program
Commonwealth Bank of Australia
01.2023 - 12.2023
- - Completed formal leadership training focusing on operational decision-making, conflict resolution, and strategic management.
- - Engaged in projects aimed at enhancing team productivity and operational integrity.
Business Owner
Arlan Electrics, Kazakhstan
01.2019 - 01.2022
- - Managed international transactions, contracts, and fraud prevention in import/export operations.
Customer Service Manager
Bank Australia
01.2017 - 01.2019
- - Oversaw daily branch operations, ensuring compliance and minimisation of risk-related incidents.
- - Managed cash limits, trained staff on fraud prevention protocols, and drove strong audit performance.
Luxury Sales Executive
J Farren-Price & The Hour Glass
01.2011 - 01.2017
- - Negotiated high-value sales with Chinese-speaking clients, often involving currency exchange and anti-fraud verification.
Customer Service Associate
HSBC Thailand
01.2010 - 02.2011
- - Supported daily transactions, assisted in complaint resolution, and followed strict risk guidelines in cash handling.
Education
Master of Business - Finance
University of Newcastle & UNSW
01.2012
Bachelor of Science - Maths, Statistics
Shan Dong University of China & National University of Singapore
01.2009
Skills
- - Financial Crime & Risk Management: AML/CTF awareness, fraud detection, regulatory compliance, transaction monitoring
- - Banking Operations: Teller support, account maintenance, branch risk culture promotion, cash reconciliation
- - Systems & Tools: SAP Business One, Microsoft Office Suite, digital banking platforms
- - Leadership & Communication: Staff onboarding, coaching, stakeholder management, team leadership
- - Languages: Fluent in Mandarin, English, Kazakh; Conversational in Russian
Certification
- - CBA Inspire and Lead Leadership Program - 2023
- - Risk Awareness & Anti-Fraud Training (internal) - Commonwealth Bank
- - AML/CTF Fundamentals (to be added if completed or planned)
LNGG
Fluent in English, Mandarin, Kazakh
Conversational Russian
Accomplishments
Certificate of achievement : leaving our purpose and value
Certificate of achievement: inspire and lead 2024
Timeline
2IC (Second in Charge), CBP
Commonwealth Bank of Australia
09.2024 - Current
Customer Banking Specialist, 48 Martin Place Flagship
Commonwealth Bank of Australia
04.2023 - 09.2024
Leadership Development: Inspire & Lead Program
Commonwealth Bank of Australia
01.2023 - 12.2023
Business Owner
Arlan Electrics, Kazakhstan
01.2019 - 01.2022
Customer Service Manager
Bank Australia
01.2017 - 01.2019
Luxury Sales Executive
J Farren-Price & The Hour Glass
01.2011 - 01.2017
Customer Service Associate
HSBC Thailand
01.2010 - 02.2011
Master of Business - Finance
University of Newcastle & UNSW
Bachelor of Science - Maths, Statistics
Shan Dong University of China & National University of Singapore
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