Summary
Overview
Work History
Education
Skills
Languages
Accomplishments
Timeline

Vishal Rattan

Cochrane,AB

Summary


With over 10 years of experience in the financial services industry, I am a seasoned Dedicated Client Services Advisor at BMO, where I manage a substantial portfolio of over 40 clients across diverse sectors. My mission is to deliver tailored solutions that cater to clients' unique needs and objectives, drawing on my deep expertise in treasury, capital markets, and cross-border transactions.

As a dedicated and collaborative team player, I work closely with Relationship Managers and Portfolio Managers to provide exceptional service and support to each client, earning their trust and loyalty. I am adept at swiftly identifying challenges and devising innovative strategies that align with clients' goals. I also leverage my analytical skills and strategic thinking to participate in various pilot products, driving innovation and generating new business opportunities. As an IFIC certified professional, I uphold the highest standards of ethics and compliance in every aspect of my work.

Overview

10
10
years of professional experience

Work History

Dedicated Client Service Advisor

BMO Bank of Montreal
10.2022 - Current
  • Manage a substantial portfolio of over 40 clients across diverse industries, including Real Estate, First Nations, Agriculture, and Farming.
  • Collaborate closely with Relationship Managers and Portfolio Managers to deliver customized solutions that meet clients' unique needs.
  • Leverage strong problem-solving skills to swiftly identify challenges and develop innovative strategies aligned with clients' objectives.
  • Cultivate and maintain robust client relationships, earning trust and fostering long-term loyalty through exceptional customer service.
  • Provide comprehensive product and service knowledge, offering informed guidance to help clients achieve their financial goals.
  • Demonstrated a proven track record of success in driving growth and prosperity for clients and the organization.

Client Service Advisor

BMO Bank of Montreal
11.2018 - 10.2022
  • Successfully managed a diverse portfolio of clients across Canada and the USA, delivering bespoke solutions to meet their unique and complex needs.
  • Efficiently handled a high volume of email correspondence, accurately assigned tasks to team members, and ensured the timely execution of deliverables.
  • Actively participated in huddles, facilitating discussions and collaborating with cross-functional teams to optimize performance and drive results.
  • Played a key role in the development and implementation of pilot products, utilizing analytical skills and strategic thinking to provide valuable insights and innovative solutions.
  • Contributed to organizational growth by sharing knowledge and expertise through staff training initiatives, establishing a reputation as a trusted advisor and valued team member.

Senior Fraud Analyst

BMO Bank of Montreal
11.2017 - 10.2018
  • Delivered exceptional results on complex and high-profile projects, including RSA, TMX, bust-outs, and fraud applications.
  • Demonstrated deep expertise in tools such as BMO Consult Box and BMO Verification Box, along with a comprehensive understanding of AML and Corporate Security's files.
  • Consistently excelled in performance, even under challenging circumstances, by leveraging strategic thinking and problem-solving skills.
  • Spearheaded numerous pilot projects, driving innovation and generating new business opportunities through creative approaches and fresh perspectives.
  • Played a key role in training and mentoring new hires, sharing knowledge and experience to develop their skills and capabilities in a fast-paced, dynamic environment.
  • Committed to excellence, continuous learning, and leading with a natural ability to inspire and guide others to success.

Fraud Investigation Analyst

BMO Bank of Montreal
07.2016 - 11.2017
  • Employed sophisticated techniques to identify and analyze fraudulent account behavior and transactions, expertly pinpointing the root cause of losses.
  • Demonstrated comprehensive knowledge of North America Payments systems, including TSYS, NCCS, FRED, and PALNET, to gather and document evidence meticulously.
  • Delivered exceptional customer service through inbound and outbound calls, providing accurate information, clear instructions, and building customer confidence and trust.
  • Possessed deep expertise in Account Take Over (ATO) and fraudulent application processes, guiding customers through complex situations with empathy and clarity.
  • Took a rigorous approach to preparing fraud incident reports, accurately documenting fraud types and linkages between incidents.
  • Provided critical information assessments to Fraud Investigations, Corporate Security, and AML teams, helping the organization stay ahead of emerging fraud risks.
  • Contributed detailed input to Management Information Systems (MIS), leveraging advanced knowledge of systems like the Counterfeit Detection System, Kiting Management System, Fraud Detection Systems, Application Fraud System, and EMT Detection System.
  • Maintained an unwavering commitment to detecting and preventing fraudulent activity on customer accounts, upholding the highest standards of ethical and professional conduct.

Senior Client Service Representative

BMO Bank of Montreal
06.2014 - 07.2016
  • Engaged in high-quality conversations with customers to identify their unique needs and develop tailored solutions that align with their financial goals.
  • Executed a wide range of financial transactions, including deposits, withdrawals, bill payments, foreign currency requests, and other account transactions, with efficiency and professionalism.
  • Maintained a strong focus on customer satisfaction by referring customers to branch team members and partners for needs-based conversations and exploring their financial goals.
  • Cross-sold bank products and services that met customer needs while adhering to the Bank's program standards, consistently delivering exceptional value to clients.
  • Evaluated customer requests for service charge refunds, completed necessary paperwork, and ensured strict confidentiality of customer and Bank information.
  • Complied with Bank policies and procedures, applying due diligence to prevent fraud or defalcation, and adhered to rigorous security and safeguarding measures.
  • Stayed up-to-date on industry trends and best practices to consistently deliver outstanding results and contribute to the Bank's continued success.

Education

Post Graduate Certificate - Marketing Management - Financial Services

George Brown College, Toronto, ON
12.2011

During my academic pursuit, I delved into the intricate realm of marketing management for financial services. This rigorous program was not only intellectually stimulating, but also a crucial stepping stone towards achieving professional excellence in the finance industry. Through my academic engagement, I acquired a wealth of knowledge encompassing a broad spectrum of marketing strategies, financial products, and consumer behavior. Moreover, I gained valuable insights into effectively managing marketing campaigns and optimizing organizational performance.

My studies in marketing management for financial services were instrumental in honing my analytical and critical thinking abilities, as well as developing my proficiency in utilizing cutting-edge marketing tools and techniques. The program's comprehensive curriculum provided me with a solid foundation to navigate the complex and ever-evolving dynamics of the financial.

Bachelor of Accounting - Accounting And Finance

Punjab University, Chandigarh India
07.2010

During my Bachelor of Commerce degree, I pursued a concentration in Accounting and Business Management, delving into the intricate details of financial statements, budgeting, and risk assessment. With my passion for taxation, I also specialized in Income Tax, learning about the complex laws and regulations surrounding the taxation of individuals and businesses.

Moreover, I broadened my horizons by exploring courses in International Business Management. I discovered the importance of understanding the cultural, political, and economic differences between countries when conducting business on a global scale. I also gained insight into strategies for expanding businesses into new markets while navigating the challenges of international trade.

To further deepen my understanding of economics, I delved into advanced macroeconomic theories and models, studying the behavior of markets and economies at a national and global level.

Skills

  • Account Management
  • Escalation management
  • Client Retention Strategies
  • Strong empathy
  • Exceptional communication

Languages

English
Full Professional
Hindi
Native or Bilingual
Punjabi
Native or Bilingual

Accomplishments

    2015 Q1 Top Performer

    Issued by BMO Bank of Montreal · 2014

    Top 1% employee recognition

    2015 Q2 Top Performer

    Issued by BMO Bank of Montreal · 2015

    Top 1% employee recognition

Timeline

Dedicated Client Service Advisor - BMO Bank of Montreal
10.2022 - Current
Client Service Advisor - BMO Bank of Montreal
11.2018 - 10.2022
Senior Fraud Analyst - BMO Bank of Montreal
11.2017 - 10.2018
Fraud Investigation Analyst - BMO Bank of Montreal
07.2016 - 11.2017
Senior Client Service Representative - BMO Bank of Montreal
06.2014 - 07.2016
George Brown College - Post Graduate Certificate , Marketing Management - Financial Services
Punjab University - Bachelor of Accounting, Accounting And Finance
Vishal Rattan