CHANCHAL CHACKO
Thunder Bay,ON
Summary
Hardworking and adaptable professional with experience in finance, HR, customer service, and fraud analysis. Skilled in preparing financial reports, supporting recruitment, leading teams, and analyzing fraud risks. Currently seeking opportunities aligned with my academic background in fraud investigation and risk management, where I can apply my skills and contribute to organizational integrity and compliance.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Member Experience Representative
Northern Credit Union
Thunder Bay, Ontario
03.2025 - Current
- Delivered a Standard of Excellence through friendly, professional service; responded to member inquiries promptly and accurately
- Guided members in navigating digital services—online banking, mobile app, ATMs—while processing deposits, withdrawals, transfers, card services, and balancing cash transactions
- Assessed members' financial needs and proactively recommended appropriate credit union products (e.g., deposit accounts, loans, credit cards) to help them meet their goals.
- Collaborated with branch and internal teams to refer members to specialist services (e.g., lending, financial planning), ensuring seamless handoffs and enhanced member satisfaction.
- Managed end-to-end administrative tasks: scheduling appointments, updating member records (Know Your Member/KYM protocols), accurate documentation, and end-of-day balancing.
- Maintained up-to-date knowledge of credit union policies, regulatory standards, and financial products while committing to continuous professional development.
Assistant Manager - Sales and Customer Service
RJM Restaurants LTD
Thunder Bay, Ontario
02.2022 - Current
- Led team meetings to discuss performance, goals, and operational improvements.
- Analyzed sales data to identify trends and inform management decisions.
- Managed customer service inquiries and complaints in a timely manner.
- Supervised daily operations including scheduling shifts, assigning duties.
- Created reports on sales trends, inventory levels, and financial data.
Senior Customer Associate
Scotia Bank
Thunder Bay, Ontario
09.2022 - 12.2022
- Open, close, and maintain client accounts in accordance with regulatory requirements and internal policies and procedures
- Process account transactions, including deposits, withdrawals, transfers, and account updates, accurately and efficiently
- Build and maintain strong relationships with clients by providing personalized service and addressing their inquiries, concerns, and requests
- Maintain accurate client records and documentation, including account agreements, investment disclosures, and Know Your Customer (KYC) information
- Ensure compliance with industry regulations, internal policies, and anti-money laundering (AML) guidelines, and assist with audits and regulatory examinations as needed.
Finance and HR Coordinator
Mintora Innovations
Thodupuzha , India
09.2020 - 12.2021
- Prepare and review financial statements, including the income statement, balance sheets, and cash flow statements, in accordance with generally accepted accounting principles.
- Develop and oversee the organization’s financial planning process, including budgeting, forecasting, and long-term strategic planning.
- Facilitated end-to-end recruitment and selection processes for diverse positions, ensuring alignment with organizational goals, and compliance with relevant laws.
- Worked closely with the HR team to improve onboarding processes, ensuring new hires were effectively integrated into the organization.
Fraud Risk Analsyt Intern
Midlands Fraud Forum
Coventry , England , United Kingdom
11.2019 - 04.2020
- Conducted detailed research on credit card fraud trends in the UK, using sources such as Action Fraud, UK Finance, and FCA reports.
- Analyzed and summarized fraud case reports, extracting key insights on fraud methodologies, detection techniques, investigation outcomes, and financial impact.
- Prepared comprehensive risk assessment reports and recommendations aimed at reducing credit card fraud exposure for stakeholders.
- Assisted in the ongoing monitoring of fraud prevention effectiveness through the review of audit reports and fraud incident data.
Human Resource Intern
Lunar Rubbers Ltd.
11.2017 - 02.2018
- Assist with various aspects of the recruitment process, including posting job openings, reviewing resumes, scheduling interviews, and communicating with candidates
- Provide administrative support to the HR department, including organizing files, maintaining HR databases, updating employee records, and generating reports
- Assist HR professionals with employee relations tasks such as conducting employee surveys, organizing employee events, and responding to basic inquiries from employees regarding HR policies and procedures.
Education
Post Graudate - Diploma - Human Resource Management
Confederation College
Thunder Bay, ON08-2023
Post Graduate - Diploma - International Business Management
Confederation College
Thunder Bay, ON08-2022
Master of Science - Fraud Investigation Management with Professional Experience
Coventry University
England , United Kingdom07-2020
Bachelors - Business Administration
Rajagiri College of Management And Applied Sciences
Kakkanad, IndiaSkills
- Customer relationship management (CRM)
- Employee engagement
- Leadership and decision-making skills
- Interview scheduling and candidate screening
- Sales strategy and target achievement
- Confidential data handling
- Google Workspace, Microsoft 365
- Report writing and documentation
- Communication (verbal and written)
- Problem solving and critical thinking
- Time management and prioritization
- Case summarization and investigation support
Certification
- Chartered Management level 5 (Leadership and Management) Certification, Coventry University, United Kingdom, 07/01/20
• Level A CPR/AED First Aid Certification, 06/01/23 - 06/01/26
• Reconciliation Education Certification (Four Seasons of Reconciliation),03/01/22
Accomplishments
- Recognized as a top-performing employee for consistently meeting or exceeding monthly product sales targets.
- Achieved “Employee of the Month” for outstanding performance in customer service and sales.
- Participated in the West Midlands Fraud Forum Conference, supporting research and sharing insights on fraud prevention.
Timeline
Member Experience Representative
Northern Credit Union
03.2025 - Current
Senior Customer Associate
Scotia Bank
09.2022 - 12.2022
Assistant Manager - Sales and Customer Service
RJM Restaurants LTD
02.2022 - Current
Finance and HR Coordinator
Mintora Innovations
09.2020 - 12.2021
Fraud Risk Analsyt Intern
Midlands Fraud Forum
11.2019 - 04.2020
Human Resource Intern
Lunar Rubbers Ltd.
11.2017 - 02.2018
Post Graudate - Diploma - Human Resource Management
Confederation College
Post Graduate - Diploma - International Business Management
Confederation College
Master of Science - Fraud Investigation Management with Professional Experience
Coventry University
Bachelors - Business Administration
Rajagiri College of Management And Applied Sciences
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