RAMANATHAN BALASUBRAMANIAN
BENGALURU,KARNATAKA
Summary
Accomplished in trade operations and branch banking, with a proven track record at Standard Chartered Bank for enhancing compliance and operational efficiency. Expert in utilizing Tally ERP 9 and MS Office to streamline processes. Demonstrates exceptional analytical skills and a commitment to regulatory excellence, significantly improving transaction accuracy and client satisfaction.
Overview
8
8
years of professional experience
Work History
SENIOR OFFICER - TRADE OPERATIONS
STANDARD CHARTERED BANK
03.2022 - Current
- Process adequate comprehension of trade-related regulations and guidelines as commissioned by ICC (URR and UCP600)
- To enable prompt and efficient responses to diverse queries and requests from banks around the globe using swift messaging
- To guarantee that all trade transactions are accurately completed in accordance with the customer's instructions as well as statutory regulatory and internal operational directions
- Screening all parties engaged in the letter of credit
- Checking the letter of credit's completeness and screening the parties involved, including the goods, vessel, loading and discharging places, origin of goods, and so on
- Checking Boycott clause, Sanction clause & DDUG (Defense and Dual Use Goods)
- AML red flag in transaction and obtaining approval from the FCC team as required
- Reviewed quick messages and handled correspondences (MT 700, 710, 760, 759, 799, 730)
- Ensure timely completion of all job-related assignments and projects assigned by department heads or management
- Responsible for completing trade transaction cycles
- Ensured compliance with bank policies, including but not limited to the group and local codes of conduct
- To handle trade documents using documentary credit in accordance with ICC international norms, including UCP600 and other International Chamber of Commerce views
ASSISTANT MANAGER & PERSONAL BANKER (BRANCH BANKING OPERATIONS)
YES BANK
10.2021 - 01.2022
- Reconciliation (stock deliverables, internal accounts, application and access control)
- Handing General Counter & Cash Counter
RELATIONSHIP OFFICER - 1 (BRANCH BANKING OPERATIONS)
CITY UNION BANK
11.2019 - 09.2021
- Stock Statement - Drawing Power Calculation for OD customer
- Ensuring insurance for land and buildings that have been mortgaged with the bank
- Ensure that stock in the warehouse reflects the customer's statement
- At the same time, ensure that insurance is available for stock through Hypothecation
- Verification of bank clauses and valuation reports for movable and immovable assets for OD and loan customers
- Periodic verification of the document set
- And obtaining the revalidation of an expired document, as a responsible banker should obtain a new renewal set of documents
- SMA Arrear follow-up or Monitoring of SMA for existing OD & loan customers
- Managing the cash counter, CTS clearing, and general counter transactions such as NEFT, RTGS, Demand Draft, Transfer, demographic updates for existing customers, and the account establishing process
- Verifying the clearing report on a daily basis for signature mismatches and account balance shortfalls
- At this point, call and confirm with the client to update the signature and advise them of the shortfall in the account for which the cheque was issued by the customer to their respective parties
N. RAJA & ASSOCIATE - AUDITING OFFICE
12.2016 - 08.2017
- Manage accounting activities to ensure compliance with accounting principles, policies, and external audits
- Develop accurate and timely financial reports on entity expenditures following the established schedule
- Understand liquidity and financial risks, as well as monetary procedures and processes
- Technical knowledge of national and global accounting principles
- Consolidating and preparing MIS reports to provide feedback to the top management on financial accounts
Education
MBA -
Sri Manakula Vinayagar Engineering College
05-2019
B.com -
C. Kandaswami Naidu College For Men
11-2016
HSC -
Velammal Marticultion Higher Secondary School
05-2012
Skills
- MS Office User Interface Expertise
- Tally ERP 9 software
Accomplishments
Individual Spot Awards
- April 2023
- August 2023
- December 2023
- June 2024
Team Gem Award
- 2nd Quarter 2023
Languages
English
Native/ Bilingual
Tamil
Native/ Bilingual
Personal Information
- Date of Birth: 07/21/94
- Gender: Male
- Nationality: Indian
- Marital Status: Single
Timeline
SENIOR OFFICER - TRADE OPERATIONS
STANDARD CHARTERED BANK
03.2022 - Current
ASSISTANT MANAGER & PERSONAL BANKER (BRANCH BANKING OPERATIONS)
YES BANK
10.2021 - 01.2022
RELATIONSHIP OFFICER - 1 (BRANCH BANKING OPERATIONS)
CITY UNION BANK
11.2019 - 09.2021
N. RAJA & ASSOCIATE - AUDITING OFFICE
12.2016 - 08.2017
MBA -
Sri Manakula Vinayagar Engineering College
B.com -
C. Kandaswami Naidu College For Men
HSC -
Velammal Marticultion Higher Secondary School
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