Rav Kumar

• Conducted KYC formality reports on questionable accounts and transactions.
• Determined customer risk ratings based on analysis and research findings.
• Reviewed new prospect KYC documents to meet requirements and determine business model risk.
• Supported KYC processes for prospective and existing customers.
• Prepared high-risk reviews with results and recommendations for customer onboarding, closure and retention.
• Facilitated communication with onboarding team to gather information and onboarding documentation.
• Researched and interpreted corporate documentation to determine business and ownership structure.
• Partnered with client-facing teams to collect legal documents and associated information for regulatory and internal policies.
• Advised Team Manager and QC Managers of thematic issues to incorporate best practices for future processes.

• Functions of the role

-Reviewing and assessing requests for hardship assistance received through multiple channels, providing options to the customer, offering case by case solutions, and monitoring agreements for adherence.

Other activities include working with clients and/or their financial counsellors to make workable solutions that are the best outcome for both parties and taking inbound calls from clients and their representatives and taking verbal applications.

• Processing membership applications for new business as well as renewals & cancellations.
• Data entry and POS utilisation via Links (Council Software) to track requests, outstanding documents and record solutions offered.
• Conferred with customers about concerns with products or services to resolve problems and drive sales.
• Counted cash drawers and deposits, checked supplies and completed any other required opening or closing task to facilitate smooth team operations.
• Addressed customer complaints and mitigated dissatisfaction by employing timely and effective solutions.
• Maintained accurate and current customer account data with manual forms processing and digital information updates.
• Evaluated customer information to explore issues, develop potential solutions and maintain high-quality service.
• Promoted company brand and unique offerings through personalized customer service.
• Delivered superior client services, fostering strong rapport, retention and satisfaction.
• Provided primary customer support to internal and external customers in fast-paced environment.
• High volume calls per shift relating to signing up new customers, retrieving customer data, presenting relevant product information and cancelling services.
• Compiled customer feedback and recommended service delivery improvements to management.
• Capitalized on upselling chances for various products

• Soliciting new leads generated by Aussie Home Loans and own referrals.
• Packaging home loan solutions for clients including loan structuring.
• Maintaining and managing home loan pipeline tracking through to settlement.
• Explaining entire mortgage loan process, including payment terms to borrower.
• Established strong relationships with borrowers, which helped to forge new business opportunities.
• Collaborated with different lenders to find best possible deal for clients.
• Evaluated borrower financial information, including payslips, assets, liabilities and credit history to determine borrowing capacity.
• Utilising loan servicing calculators (NSR, DSR, UMI etc.)
• Keeping up to date with compliance for all panel lenders.
• Regularly attending sales meetings and reviewing industry relevant materials for Continued Professional Development.

• Assisted customers with setting up or closing accounts and signing up for new services.
• Promoted products or services to each customer to consistently achieve sales targets.
• Built and strengthened customer relationships by leveraging excellent interpersonal and communication skills.
• Processed applications for Credit Cards, Personal loans (Secured & Unsecured) & preliminary assessments of home loan leads prior to handover to lending manager.
• Reviewed financial statements and contacted institutions and customers to clarify details.
• Acquired management delegation in approvals for large cash withdrawals, bank cheques over $10,000 and credit card approvals .
• Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
• Checked amount details and fraud markers for transaction papers such as checks and money orders.
• Audited fellow teller currency to contribute to dual-control procedures.
• Reconciled cash drawer and resolved discrepancies.
• Removed mutilated currency from circulation.
• Sold and cross-sold bank products to new and existing customers.
• Assisted customers with compromised debit cards and issued new credentials.
• Provided customer records on demand, including account statements and copies of checks.
• Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
• Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
• Reconciling general ledger and sundry accounts
• In charge of branch compliance for back office using controlled self assessment tool then audited by an external party quarterly to verify.
• Keen focus on fraud prevention, detection & intervention.

• Assisted customers with setting up or closing accounts, completing loan applications and signing up for new services.
• Checked amount details and fraud markers for transaction papers such as checks and money orders.
• Promoted products or services to each customer to consistently achieve sales targets.
• Processed applications for credit cards, personal loans (secured & unsecured), preliminary assessments for home loan leads prior to handover to lending manager.
• Evaluated borrower financial information, including payslips, assets, liabilities and credit history to determine borrowing capacity.
• Reconciled cash drawer and resolved discrepancies.
• Built and strengthened customer relationships by leveraging excellent interpersonal and communication skills.
• Accessed computerized financial information to answer questions related to specific accounts.
• Sold and cross-sold bank products to new and existing customers.
• Provided customer records on demand, including account statements and copies of checks.
• Assisted customers with compromised debit cards and issued new credentials.
• Observed all procedures regarding financial and customer information to prevent possible breaches and data misuse.
• Demonstrated increased knowledge of company products and equipment.
• Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
• Acquired management delegation in approvals for large cash withdrawals, personal loans, credit cards and bank cheques.
• Bank opening and closing following safety protocols in place. (made suggestions and amendments to some policies)
• Reconciling general ledger and sundry accounts
• In charge of branch compliance for back office using controlled self assessment tool then audited by an external party quarterly to verify.
• Keen focus on fraud prevention, detection & intervention.

• Soliciting new home loans from company leads
• Presenting home loan proposals for clients explaining the home loan process, including loan structuring.
• Liaising with Banks and Financial institutions on submitting and progressing home loans
• Maintaining and managing home loan pipeline while keeping clients up to date and following through to settlement.
• Familiarising myself with all facets of the mortgage lending process.
• Familiarising myself with all major bank and non-bank institutions’ lending policies.
• Liaising with panel lender partnership managers