Akshith Bhanury

• Process Lead for Rabobank (Netherlands) from Jan2023 to till date.
• Event driven Reviews/Periodic screening/Focused Reviews of KYC CDD
• Assessment of Sector Risk, Product-service Risk, Transaction Risk, Third-party Risks & Geographical Risk.
• Work tools – Kadaster, WFM, chamber of commerce, Siebel, LexisNexis, World-check and Internet searches
• Reviewing the cases that are triggered to conduct Customer Intregrity checks.
• Analysis the Commercial Real Estate portfolio of the customer and assess if any material risk posed to the bank.
• Conducting an End to End Investigation on the Risk triggered by investigating the CRE portfolio and Transaction analysis and Products services.
• Conducting a study and analyzing the Transaction Robots and CRE Robots of the customer and assess any suspicious behavior in the Transaction trend and CRE portfolio.
• Writing a CDD Report on the investigation made and results of the case triggered.
• Listing out the Major elements of Investigation in the report such as Scoping, ABC Transactions, Cash flows, Source of Funds & Current Assets in the accounts.
• Raising an Outreach/RFI to the client in a scenario where Current value of CRE, Source of Funds, Customer
• Initiated timely response to emails, voicemails, and written correspondence.

• SME for the Document management process, prepared and analyzed reports to track progress identified areas for improvement, and conducted training sessions for new team members
• Monitored team quality, collaborating with stakeholders to address challenges, implemented effective solutions.
• Participated actively in team discussions, enhancing process improvement and best practice adoption.
• Reduced processing time for loan modifications by implementing an effective tracking system that streamlined workflow management.
• Managed a diverse portfolio of loans, effectively prioritizing tasks to meet strict deadlines while maintaining high-quality output.
• Enhanced the accuracy of loan document preparation by conducting thorough reviews, identifying discrepancies and ensuring timely resolution.
• Monitored due dates and deadlines and worked to submit all documents on time or early.

● Represented the team on numerous occasions in the absence of the reporting manager and ensured that all the SLA’s are met.

● Tracking and maintaining analysis of individuals daily performance for a team of 11 to ensure maximum production percentage achieved.

● Being a SPOC for the team, I have constantly liaised with branch contacts and service failure team via calls and emails for resolving complex customer complaints and service failures.

● Successfully completed migration training of three queues across site from DSC-Coventry.

● Completed migration of one queue relating to stocks and shares ISA transfer from Business Area.

● Been part of the testing team for light automation tool (LAT) wherein key tasks included reviewing requirements, following test cases, sharing results on a periodic basis. Feedback included enhancements suggestions and bug identification.

• Evaluated creditworthiness of potential borrowers using thorough research and analysis techniques, minimizing default risks.
• Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
• Reviewed and verified income, credit reports and employment histories for each borrower.
• Mentored junior staff members in best practices related to credit analysis, instilling a culture of accuracy and diligence within the team.
• Adhered to banking standards and government lending guidelines for loan services.
• Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
• Increased customer satisfaction scores by promptly addressing concerns and resolving issues related to credit products.
• Monitored client abilities and account information to determine appropriate credit approval decisions.