Jarafreen M. Bharucha
Fulshear,Texas
Summary
Detail-oriented and analytical Banking Professional with over 20 years of experience in financial services, specializing in operational risk mitigation, internal controls, and regulatory compliance. Proven track record of conducting comprehensive risk-based audits across multiple branches, identifying regulatory gaps, and enforcing strict AML/BSA frameworks. Expert in investigating complex account discrepancies, managing high-value transactions safely, and partnering with leadership to implement robust corrective action plans.
Overview
28
28
years of professional experience
1
1
Certification
Work History
Client Experience Associate
PNC
Katy, Texas
03.2026 - Current
- Enforce strict branch security and risk policies to safeguard confidential client information and maintain account integrity.
- Execute daily transactions, account maintenance, and client inquiries while ensuring 100% compliance with high standards of security and accuracy.
- Review client profiles to identify financial needs, recommend banking solutions, and look for opportunities to connect clients with additional beneficial services.
- Educate clients on utilizing digital banking tools and self-service options to improve convenience and efficiency.
Relationship Banker II
Regions Bank
Katy, Texas
12.2019 - 06.2024
- Researched and resolved intricate account discrepancies using advanced investigative skills and analytical judgment to ensure financial accuracy.
- Implemented and reinforced evolving anti-money laundering (AML) regulations at the branch level, safeguarding locations from costly penalties and ensuring adherence to federal requirements.
- Led branch compliance and performance initiatives by training, coaching, and mentoring staff across multiple organizational levels on strict policy compliance.
- Served as a trusted banking advisor, identifying client needs and delivering tailored financial solutions using the Guided Discovery Conversation Tool.
- Expanded customer relationships through targeted outbound calls, in-branch consultations, and strategic referrals to specialized teams.
Relationship Banker
Bank of America
Houston & Katy, Texas
01.2014 - 12.2019
- Partnered closely with branch leadership to prepare for internal audits, ensuring seamless compliance with corporate and federal regulatory requirements.
- Trained and mentored branch personnel on operational policies, procedures, and service excellence benchmarks.
- Balanced operational responsibilities with customer service excellence to drive satisfaction, open credit products/loans, and provide transparent financial guidance.
Bank Auditor & Assistant Manager
02.2002 - 11.2010
- Conducted comprehensive, risk-based audits across 30+ branches throughout West Houston to evaluate operational compliance and ensure total adherence to AML regulations.
- Partnered with Market Managers to communicate audit findings, analyze risk operational trends, and implement effective corrective actions.
- Evaluated, authorized, and managed high-value transactions with strict adherence to approval thresholds and institutional risk compliance standards.
- Oversaw strategic branch business planning, operating procedures, and employee staffing development to maximize performance and profitability.
Bank Teller
08.1998 - 02.2002
- Handled physical cash and digital transactions daily under strict regulatory compliance parameters.
Education
Bachelor of Science (BS) - Psychology
University of Houston
Houston, TexasSkills
- Oversaw compliance with BSA and AML regulations to mitigate risk Led audit preparation and strengthened internal controls for improved compliance Drove initiatives to enhance regulatory adherence across teams
Certification
All Lines Adjuster License (Texas) – The Adjuster School Training - Eric Thomas | Issued: Aug 2025
Languages
Hindi
Professional Working
Urdu
Professional Working
Gujarati
Professional Working
Timeline
Client Experience Associate
PNC
03.2026 - Current
Relationship Banker II
Regions Bank
12.2019 - 06.2024
Relationship Banker
Bank of America
01.2014 - 12.2019
Bank Auditor & Assistant Manager
02.2002 - 11.2010
Bank Teller
08.1998 - 02.2002
Bachelor of Science (BS) - Psychology
University of Houston