Summary
Overview
Work History
Education
Skills
Websites
Certification
Timeline
Generic

Anup Khanal

Kitchener,Canada

Summary

Banking professional with over 9 years of experience in compliance, credit processing, trade finance, and risk management. Expertise in process optimization and risk control, with a track record of implementing effective AML frameworks and enhancing service delivery. Certified in CIFC and holds a postgraduate credential in Management and Leadership from Conestoga College. Proven ability to improve operational efficiency and ensure regulatory compliance in banking operations.

Overview

9
9
years of professional experience
1
1
Certification

Work History

Compliance and Banking Operations Officer

Nepal SBI Bank Limited
Kathmandu, Nepal
07.2021 - 04.2023
  • Led implementation of AMLock AML software, reducing false positives by 20% and enhancing high-risk transaction monitoring.
  • Contributed to the development and review of operational policies, SOPs, and internal circulars, enhancing risk control and standardizing branch-level compliance for consistent bank-wide operations.
  • Conducted compliance training for 100+ staff across branches, increasing policy adherence by 18%.
  • Utilized AMLock (AML software) and Finacle (core banking system) to manage transaction monitoring, policy compliance, and reporting tasks.
  • Ensured 94% accuracy in quarterly compliance reports submitted to regulatory authorities and internal audit teams.
  • Deployed a Complaint Management System, reducing average response time by 3 days and improving regulatory responsiveness.
  • Analyzed audit observations from multiple branches to identify recurring issues and collaborated in developing strategic solutions and preventive measures to enhance compliance and operational efficiency.
  • Prepared and submitted periodic reports to higher management, supporting strategic decision-making.

Trade Finance Officer

NEPAL SBI BANK LIMITED
Kathmandu, Nepal
06.2020 - 07.2021
  • Managed a portfolio of trade finance transactions, maintaining a 97% accuracy rate in document handling.
  • Developed and implemented a tracking system for Letters of Credit (L/C) and Bank Guarantees (BG), reducing discrepancies by 40%.
  • Partnered with the sales team to generate a 19% increase in trade finance revenue through cross-functional collaboration.
  • Handled complex client inquiries related to import payments, L/Cs, BGs, and collection bills, ensuring client satisfaction and timely resolution.

Operations Manager

NEPAL SBI BANK LIMITED
Kathmandu, Nepal
02.2018 - 06.2020
  • Oversaw full-spectrum branch operations, including deposits, remittances, cash management, and regulatory compliance.
  • Acted as the Money Laundering Reporting Officer (MLRO), ensuring strict compliance with AML/CFT laws and internal policies.
  • Monitored suspicious transactions, conducted investigations, and submitted STRs/SARs to the Financial Intelligence Unit (FIU) of Nepal.
  • Delivered AML/CFT awareness sessions to branch staff, strengthening compliance culture and reducing risk exposure.
  • Supervised a team of 11 staff, increasing productivity and reducing employee turnover through coaching and team development.
  • Initiated a customer service training program, improving customer satisfaction scores and service efficiency.
  • Led a branch-level marketing campaign that contributed to increased revenue and new account acquisition.
  • Implemented transaction process improvements that reduced service times and enhanced accuracy in daily operations.
  • Rolled out a cost-saving initiative, reducing branch operating expenses and increasing net efficiency.
  • Maintained 100% audit success rate through strict compliance with regulatory policies and internal procedures.

Credit Officer

NEPAL SBI BANK LIMITED
Pokhara, Nepal
07.2016 - 02.2018
  • Maintained a loan portfolio with a 98% on-time repayment rate by proactively monitoring credit risk and client engagement.
  • Conducted detailed loan appraisals and financial analysis, achieving an 80% approval rate and boosting loan disbursements by 17%.
  • Designed a customer follow-up system that reduced delinquent payments by 21% and improved collection efforts.
  • Ensured full compliance with credit and lending policies, supporting a healthy and low-risk loan book.
  • Supported the Branch Manager in evaluating business loan proposals, including analyzing client financials and preparing credit submissions for approval; escalated files exceeding branch limits to the corporate office for final decision.
  • Coordinated with internal departments and clients to ensure timely loan processing, accurate documentation, and seamless communication throughout the credit approval cycle.

Financial Services Representative

NEPAL SBI BANK LIMITED
Pokhara, Nepal
02.2014 - 07.2016
  • Processed daily cash and non-cash transactions with a high accuracy rate, ensuring account integrity and compliance with regulatory standards.
  • Trained and mentored new tellers, reducing transaction errors by 15% and enhancing service delivery.
  • Detected and reported multiple instances of counterfeit currency and suspicious transactions, collaborating with risk and compliance units to ensure robust risk mitigation and fraud prevention.
  • Managed reconciliation and replenishment of 6 ATMs, maintaining uninterrupted cash availability for customers.
  • Implemented enhanced KYC guidelines and operational risk controls, achieving a 90% KYC compliance rate and reducing branch risk incidents by 19% through meticulous due diligence and customer data verification.
  • Maintained complete, accurate, and timely records to meet regulatory and audit standards.

Education

Post Graduation - Management and Leadership Development

Conestoga College
Canada
12.2023

Master's Degree - Business Studies (Finance Major)

Tribhuvan University
Nepal
09.2016

Bachelor's - Business Administration (Finance Major)

LPU
India
07.2012

Skills

  • Credit appraisal and loan structuring
  • Account reconciliation
  • Financial statement analysis
  • Valuation techniques
  • Cash flow forecasting
  • Risk assessment and management
  • Strategic planning
  • Inventory oversight
  • AML/CFT compliance
  • Regulatory reporting and internal controls
  • Operational risk analysis
  • KYC processes and compliance
  • Audit support and policy development
  • AMLock and Finacle expertise
  • Data visualization with Tableau
  • Advanced Microsoft Excel skills
  • MS Office Suite proficiency
  • ERP systems knowledge
  • CRM platform experience
  • Client onboarding and relationship support
  • Complaint resolution strategies
  • Cross-functional collaboration
  • Staff training and development
  • SOP implementation

Certification

Canadian Investment Funds Course (CIFC), The Investment Funds Institute of Canada (IFIC)

Timeline

Compliance and Banking Operations Officer

Nepal SBI Bank Limited
07.2021 - 04.2023

Trade Finance Officer

NEPAL SBI BANK LIMITED
06.2020 - 07.2021

Operations Manager

NEPAL SBI BANK LIMITED
02.2018 - 06.2020

Credit Officer

NEPAL SBI BANK LIMITED
07.2016 - 02.2018

Financial Services Representative

NEPAL SBI BANK LIMITED
02.2014 - 07.2016

Post Graduation - Management and Leadership Development

Conestoga College

Master's Degree - Business Studies (Finance Major)

Tribhuvan University

Bachelor's - Business Administration (Finance Major)

LPU

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Anup Khanal