Bindiya Chouhan
Troutdale,OR
Summary
Results-driven financial services professional with over five years in banking operations, specializing in KYC/AML compliance and risk assessment. Managed a portfolio of 50+ client accounts, leading KYC refresh activities, documentation reviews, and investigative research. Skilled in risk identification, due diligence processes, and maintaining accurate records in high-volume environments.
Overview
11
11
years of professional experience
Work History
Package Handler
Federal Express
Portland OR
01.2026 - Current
- Process packages accurately in a fast-paced, high-volume operational environment while meeting established productivity and performance standards.
- Sorted packages by destination, route, and delivery schedule, ensuring accuracy and workflow efficiency.
- Scan and track packages using handheld scanners and warehouse technology.
- Maintained accurate package movement and tracking information, supporting smooth processing workflow.
- Follow established company policies, procedures, safety standards, and performance expectations.
- Maintain an organized work environment and work collaboratively with team members and supervisors to complete daily operational goals.
- Demonstrated reliability and adaptability while maintaining productivity in a fast-paced environment with multiple priorities.
Underwriter/Initial Closer
United Wholesale Mortgage
Pontiac, MI
01.2025 - 12.2025
- Evaluated financial documentation and credit history to determine loan eligibility, identifying credit and documentation risks.
- Reviewed applicants' financial documentation and credit history to determine loan eligibility and identify potential credit and documentation risks.
- Reviewed financial statements and supporting documentation for completeness, accuracy, and compliance with established lending requirements.
- Researched investor guidelines, underwriting policies, and applicable regulatory requirements when evaluating loan applications.
- Identified documentation gaps, qualification concerns, and potential risks and communicated findings to appropriate internal stakeholders.
- Maintained accurate records and documentation throughout the underwriting process.
- Communicated loan status, documentation requirements, and outstanding conditions to Mortgage Loan Officers and Broker Owners by phone and email.
- Informed Mortgage Loan Officers and Broker Owners of loan status, documentation requirements, and outstanding conditions via phone and email.
- Handled multiple applications and deadlines in fast-paced environment, ensuring attention to detail and quality.
Investment Operations Specialist
US Bank
Gresham, OR
08.2023 - 12.2024
- Processed 30–50 investment operations tickets daily, ensuring accuracy and adherence to processing standards.
- Reviewed investment documentation and account information to ensure compliance with internal procedures and operational requirements.
- Processed contributions, withdrawals, rate updates, fees, and other account-related transactions.
- Researched exceptions and discrepancies, collaborating with Team Leads and investment teams to implement effective resolutions.
- Updated operational procedures to enhance risk controls and improve quality and team productivity.
- Participated in a pilot project for a new automated application, providing feedback and training peers on updated processes.
- Managed a high-volume queue while balancing productivity, accuracy, deadlines, and quality requirements.
Business Support Associate
Bank of America
Portland, OR
07.2018 - 08.2023
- Managed a portfolio of 50+ client accounts, including subsidiaries, supporting ongoing account maintenance, client requests, documentation, and compliance requirements.
- Supported KYC refresh processes for existing client accounts, reviewing customer information and documentation to identify missing, outdated, or inconsistent information.
- Assisted with reviews involving high-risk accounts, higher-risk jurisdictions, and cash-intensive businesses, identifying potential concerns and escalating issues through appropriate channels.
- Collaborated with AML, CDD Refresh Operations, Enhanced Due Diligence, and Quality Assurance teams to resolve account-related compliance and risk issues.
- Conducted due diligence research using investigative tools and public/private databases to gather customer and business information for risk assessment.
- Prepared and distributed bi-weekly reports on KYC refresh due dates and compliance status to ensure timely completion of required reviews.
- Acted as a KYC subject matter resource, assisting peers with complex domestic and global KYC refresh processes and documentation requirements.
- Identified account discrepancies and documentation gaps, escalating potential risk concerns to internal teams and management for prompt resolution.
- Monitored overdrafts, wire escalations, and account risk exposure, researching issues and coordinating with appropriate partners for resolution.
- Developed action plans to address identified risks and support compliance with applicable banking policies and regulatory requirements.
- Coordinated with multiple internal departments to obtain information, resolve account issues, and complete customer requests.
- Communicated effectively with Relationship Managers, compliance partners, operations teams, and clients through phone, email, and internal communication channels.
- Managed account reviews and client requests while prioritizing deadlines and competing tasks, maintaining high attention to detail and quality.
- Partnered with Relationship Managers to analyze client reports and scorecards and identify opportunities to strengthen client relationships and address client needs.
Relationship Manager
Bank of America
Portland, OR
10.2015 - 07.2018
- Developed and maintained relationships with consumer and small-business clients while ensuring account activities complied with applicable banking policies and regulatory requirements.
- Opened and managed consumer and small-business checking and savings accounts, collecting and reviewing required customer information and documentation.
- Supported client onboarding by verifying account-opening documentation and ensuring information was accurately captured and maintained.
- Developed an understanding of customer financial profiles, business activities, account structures, and banking relationships.
- Identified customer needs and potential account concerns and escalated issues to appropriate management or internal partners when necessary.
- Processed consumer and small-business credit applications, including loans up to $250,000, reviewing financial information and supporting documentation.
- Worked with Small Business Bankers and other internal teams to understand business needs and provide appropriate financial solutions.
- Collaborated with Loan Officers and internal partners to collect documentation, resolve issues, and move customer requests through established processes.
- Educated customers regarding product requirements, disclosures, terms, and conditions while maintaining accuracy and regulatory compliance.
- Maintained detailed customer records and handled multiple client requests while meeting service expectations and deadlines.
- Received cross-training in the mortgage loan processing cycle, developing additional experience reviewing financial documentation and supporting regulated financial transactions.
Education
Bachelor of Science - Business Administration
Eastern Oregon University
La Grande, ORSkills
- Client Onboarding
- KYC Refresh
- EDD support
- Customer identification
- Customer identification
- Risk assessment
- Quality Control
- Documentation Review
- Account Maintenance
- Beneficial Ownership
Timeline
Package Handler
Federal Express
01.2026 - Current
Underwriter/Initial Closer
United Wholesale Mortgage
01.2025 - 12.2025
Investment Operations Specialist
US Bank
08.2023 - 12.2024
Business Support Associate
Bank of America
07.2018 - 08.2023
Relationship Manager
Bank of America
10.2015 - 07.2018
Bachelor of Science - Business Administration
Eastern Oregon University