Name : SANTOSH KUMAR
Contact No : +971(0)556181338.
Email Id : bhardwaj.santosh276 AT gmail.com
OBJECTIVE :
To seek a career in an organization that would best capitalize on my expertise in risk based control assessment and process consulting. Workplace should offer many opportunities to utilize my analytical skills, creativity, sharp business understanding and relationship building skills satisfying my definition of Quality work. Outstanding interpersonal, relationship and team building skills, analytically, articulate and diligent resourceful in the completion of projects and effective at multitasking with strong ability to plan, prioritize and deliver in complex projects under aggressive time frame
AREAS OF EXPERTISE :
** Result Oriented, Proactive and innovative professionals with 10 years of Self & Leadership with extensive hands on experience in the areas of Risk Based Internal Audit, Fraud Investigations, Strategic & governance Process Review & control, Credit underwriting, AML, KYC and Compliance among Banking and Non Banking Financial Services sector
** Strong analytical & organizational abilities with adeptness in implementing, formulating and streamlining operational policies & procedures. Keen understanding & significant experience of risk identification, analysis and mitigation.
** Ability to provide insight and strategic input into, manage and facilitate the effective development and delivery of outstanding internal audit & review and compliance related services. Prevention and detection of possible fraud and other risks, such as potential going out of business, excessive credit etc.
PRESENT EMPLOYMENT AND PROFESSIONAL EXPERIENCE :
Company Name : FGB, DUBAI, U.A.E.
Designation : Risk & Fraud Control Officer.
Year : 2014 – Present.
** Thorough understanding of banks fraud control system for all retail assets & liability products and services, cards and e-channels payments and scam mail, lottery fraud .
** Investigate fraud cases of retail loan & advances, anti-money laundering (AML), suspicious transaction report (STR), Hunter match, money mules and conclude with logical modus operandi & root cause & proposing corrective measures.
** Conducted risk based process review / audit in retail branches and finalizing the audit reports basis observations.
** Analyzing risk profiling of the branches and developed risk dashboards and combined all enterprise information such as key risk indicators and facilitated in identification of risk across cross functional business line.
** Carry out Fraud Risk Assessments to identify areas specifically vulnerable to fraud, and actively engage with other stakeholders to implement fraud monitoring and fraud preventive controls
** Identify the prone areas of corruption, fraud, operational policies and practices with a view to timely recommend modification in policies & ensure authenticity of policies vis a vis compliance and conduct the Regional Compliance Committee (RCC) for reviewing fraud investigation cases with senior management and probe to fix accountability and taking disciplinary action as per matrix
Company Name : Kotak Mahindra Bank Ltd. India.
Designation : Deputy Manager
Year : 2010 – 2014.
** Responsible for ensuring Internal Control at the Branch by proper checks and balances with routine banking transactions and ensuring customer satisfaction and first level of scrutiny and authentication of KYC and signing AOF for ensuring KYC Compliance of every opened account & Deposits.
** Support central Anti Money laundering Monitoring Unit with prompt response after completing required due diligence at branch level of the suspected accounts within proper time frame.
** Ensure Audit rating to be satisfactory and closure of audit report within proper time lines.
** Reconciliation of any differences with Banks and Clearing related suspense accounts and ensuring entries are not outstanding for more than three days.
** Special emphasis given to verify all Cash Related Registers and Branch other registers on monthly basis and report to BM / Manager for remedial action.
** Surprise visit to customers end for verification of communication on loan details, follow-up, pre and post appraisal and visit by field executive & Branch Manager, checking appraisal quality,end utilization monitoring.
** Implement all regulatory compliance & ethics and compliance programs at branches in the region and suggests the management when solicited on matters related to internal control, new policy and processes
Company Name : ICICI Bank Pvt.
Ltd. India.
Designation : Financial Analyst.
Year : 2006 – 2010.
** Worked in the “Earning Estimate” project and analyzed financial report of different companies given by Bloomberg.
** Captured all date’s in system after analyzing historical & current financial reports.
** Predicted future estimation of the company basis past financial reports.
EXTERNAL & INTERNAL PROFESSIONAL CERTIFICATIONS :
** Pursuing “Cyber Crimes and Fraud Management” from Indian Institute of Banking and Finance.
** Certification of “Internal Control over Financial Reporting SOX Compliance” from ICICI Bank Ltd.
** Certificate of “Audit & Compliance” from ICICI Bank Ltd.
** Certificate of “Fraud Prevention and Control” and Financial Crime Prevention” from ICICI Bank Ltd
PROFESSIONAL TRAINING :
Training Institutions Training Arena
Market – Risk for financial services. Risk Management / Delinquency Management
Loan Portfolio, Audit Training.
Training of documentation and authentication.
PROFESSIONAL QUALIFICATIONS :
** Master Degree in Business Administration (Finance) with 1st class on 2006.
** Master Degree in Economics with 63% from T.M.B.University.
** Bachelor Degree of Economics from T.M.B.University (3 Yrs) on 2000.
** Higher Secondary Examination from C.B.S.E on 1996 in 1st division.
** Matriculation from C.B.S.E on 1994 in 1st division .
COMPUTER PROFICIENCY – BANKING OPERATING SYSTEM AND SOFTWARE :
MS Dos, Windows XP, MS Word, Excel, PowerPoint and office communication system, Banking Software, Updated Finacle (Version 10.2.9), Finone, APS, FCRM, 1.5 Integrated Microfinance Banking Application, Talisma, SAS, Hunter, Cibil
PERSONAL DOSSIER :
Fathers Name : B. M. KUMAR.
Date of Birth : 1979.
Sex / Marital Status : Male / Married.
Nationality : Indian.
Passport Details : K5454071.
Address : Villa –13, St - 51, Al Wasl Area ,Jumeirah,Dubai.
DATE :
PLACE :