Dennis Varghese

• Demonstrated agility during an automation project and helped TD Bank to mitigate risks to meet a regulatory deadline all the while working remotely
• Provided coaching to management, collaborating to take corrective action and provide improvements in current and subsequent years
• Assisted with testing of key, high-risk regulatory and operational controls, reviewing account related data
• Supported regulatory initiative of reporting beneficiary, trustee, and nominee broker information to Canadian Deposit Insurance Corporation (CDIC)
• Managed assigned workload in a timely fashion using various TD internal applications
• Conducted on site presentation with business lines to improve exception report for following years and strategies were implemented in following years
• Actively participated in the colleague experience committee where I was involved in engaging operations colleagues, participated in weekly meetings, created a monthly newsletter, and completed a TD Corporate presentation to 150 colleagues on Diversity and Inclusion
• Delivered an ID8 business case to project partners and group managers to improve a critical regulatory process

• Managed daily bookkeeping functions with attention to accounts receivable, accounts payable, banking reconciliation and disbursements.
• Sorted documents, matching supporting invoices to procurement documents and verifying invoices for payment.
• Prepared month-end closing entries for detailed reporting and recordkeeping.
• Entered data into accounting software programs such as Zoho or Sage 50 Accounting Software.

•Adjudicated credit within SLAs and companies risk parameters by increasing the loan portfolio strategically while developing relationships with the dealer network.
•Developed strong knowledge of credit analysis and loan documentation by assessing credit worthiness of applicants based on investigative findings.
•Reviewed and deciphered various credit bureau reports and applied knowledge of credit scoring and credit review processes to maximize organizational profits.
•Contributed to minimization of losses to company by maintaining delinquency levels under 1%.
•Developed and main strong professional relationships with dealers and clients.
•Using enhanced due diligence when deal with clients with multiple identities and credit files before approving any credit

•Supported multiple financial revenue accounting projects to support a complete system integration; monitored and executed projects to ensure business continuity, and completed on time and on budget.
•Reconciled and mitigated revenue losses by:
-Creating an action plan for cash variances nationally reduced variances close to zero.
-Improving collection procedures in troubled regions.
•Collaborated with a large corporation to conduct investigations and audit equipment, locations, and employees for forms of fraudulent activity and loss, which ensured 99% accuracy for cash and credit collections nationally.

•Developed, implemented and trained team to review and analyze documentation.
•Implement efficient document review strategies and improved the brokers fulfillment experience achieving a 24- 48 hour turnaround and ensuring deals were closed in a timely fashion
•Accurately completed due diligence and analyzed mortgage documentation for compliance to condition fulfillment, credit policies and maintain positive working relationships with brokers
•Provided front line AML/compliance to prevent mortgage fraud by investigating and reporting suspicious transactions
•Developed and maintained positive working relationships with Mortgage Brokers/ Agents

•Part of a team of three people of a nationally recognized mortgage brokerage team that consistently ranked as one of the top ten teams in Canada;
•Achieved over $75 Million mortgage origination through the broker channel, maintained and developed sale reporting to ensure performance targets were exceeded within nine months.
•Completed branch compliance in accordance with Financial Services Commission of Ontario (FSCO) requirements and achieved 98% file accuracy; investigated any file discrepancy to exceed provincial guidelines.
•Designed weekly and monthly reports for senior management
•Responsible for managing trade show booths and business development efforts at Real Estate Investment Network (REIN) events across Canada
Recognition: 2014 Canadian Mortgage Award- Award of Best Customer Service (Individual Office) and Mortgage Broker of the Year

•Analyzed credit applications, completed underwriting of credit risk within authorized lending limit of $500K and managed Bank’s risk appetite and regulatory requirements to consistently meet 48 hour turnaround time for loan applications.
•Developed relationships with brokerage community, resolved more complex credit issues, and provided alternative solutions that generated business retention and repeated business loyalty rating of 98%.
•Worked to streamline the underwriting process by providing management quarterly recommendations on workflow improvement which increased productivity by 20%
•Vigilant in AML monitoring, fraud reporting and proactively prevented suspicious transactions reduced by 10%

•Strategically communicated on behalf of organizational interest with well-scripted investor relations materials disseminated to proactively to creating and ensuring creditability that allowed the firm to raise IPO funding successfully generating $400 million to $8 billion in assets under management and involved Canadian 500,000 clients
•Developed several new communication initiatives, which help simplify complex investor issues
•Drafted, edited and disseminated press releases and other regulatory documents
•Collaborated with the Director of Compliance to ensure the successful deployment of compliance initiatives and the development of an Independent Review Committee (IRC).
•Managed complex shareholder transactions working closely with transfer agents in relations to fund setup, subscriptions, DRIP plan administration, fund rollovers, fund mergers, shareholder meetings and tax reporting (T3’s T5’s, T5013’s)
•Developed sell-side analyst coverage on new share issues; conducted Dealer call campaigns exceeding internal targets
•Promoted the companies public and private equity, structured product, mutual finds, linked notes, and flow-through limited partnerships to investment dealers and advisor network