NAVJOT KAUR
Brampton,Canada
Summary
A driven banking professional with 8+ years of experience working in banking industry with IFIC/CIFC certified January 2023 and Operational Analysis of STRs October 2024. Comprehensive knowledge of the banking industry regulations diverse banking and investment products, deposit accounts, fraud prevention STR Analysis and cross selling. Competent in setting up services, transferring funds and helping with complex transactions and selling banking products. Positive and upbeat with strong communication, customer support and problem-solving abilities.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Fraud/Loss Prevention Specialist
TD
, Canada
02.2024 - Current
- Answered inbound calls for customers with fraudulent activity on their account international calls, cloning, and device changes and made outbound calls to customers to verify activity on account
- Detected and prevented fraudulent activity with respect to the Bank’s credit cards, debit cards, TDOnline, Email Money Transfers, Western Union, and deposit frauds
- Educated customers on how to stay protected from potential fraud, while delivering legendary customer experiences
- Defused volatile customer situations calmly courteously and accurately documented, researched resolved customer service issues
- Managed customer calls effectively efficiently complex, fast-paced and challenging call center environment
- In the event of a large-scale fraud attack, worked effectively with the team to identify the potential points of compromise as quickly as possible and getting other TD cards at risk identified and action taken before fraudulent activity occurs
- Knowledge of fraud platforms like PRM and TSYS
Customer Service Representative
CIBC
, Canada
11.2023 - 02.2024
- Key individual to provide expert knowledge relating to products and services for new and existing clients without lending requirements by engaging clients in conversation and explore potential challenges &/or problems that may require a product or service
- Professionally and actively refer clients to Advisors who will explore potential solutions to solve the problems identified
- Handling cash and properly calculating the deposit and reconciliation with 100% accuracy and addressing customer issues via phone calls and e-mails
- Processing clients' deposits and withdrawals and assisting clients in identifying the most suitable account for their needs
- Responding to client emails and online chats to find solutions for their digital inquiries
Credit Manager
Union Bank of India
, India
08.2021 - 07.2023
- Oversaw mortgage process including supplication, origination, underwriting and closing
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts
- Reviewed and verified income, credit reports and employment histories for each borrower and checked appraisals, title information and insurance documents for each property
- Authenticated information as per local KYC guidelines and global procedures using a variety of independent research tools
- Optimized credit approval and collection processes, improving operational efficiencies by over 85%
Assistant Branch Manager
Union Bank of India
, India
02.2017 - 08.2021
- Enhanced branch production rates by handling staff conflicts, evaluations, hiring, and termination processes and coaching employees on company protocol and payroll operations
- Met deadlines by proactively managing individual and team tasks and streamlining processes
- Reported STR(Suspicious Transaction Reports) either attempted or completed, that seems unusual within 30 calendar days of noticing any activity that may indicate money laundering or fraud
- Completed KYC for onboarding clients and updating data for pre-existing customers (renewing KYC) by reviewing client information and documentation, vendor database
- Resolved various issues impacting sales management and business operations
- Consulted customers to boost product sales and services
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales
- Completed filings and upheld strict compliance with regulatory agencies and supervisors
- Boosted sales and customer loyalty through incentive programs
- Sold banking products like investment, deposit, credit lending and insurance
Assistant Manager (CREDIT)
Union Bank of India
, India
06.2016 - 02.2017
- Investigated and evaluated customers for creditworthiness and potential risk factors
- Obtained and interpreted financial statements to assist in credit limit reviews
- Oversaw reporting, documentation and recordkeeping requirements for department
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility
- Recognized across organization for diligence, accuracy and contributions toward maintaining positive cash position through problem resolution
Postal Assistant
India Post
, India
02.2016 - 05.2016
- Disposal of Mails and Maintaining the Data
- Providing customer Support like Handling Customer queries and providing them a feasible solution
- Locating the correct address of the addressee, if not located, locating the address of sender Returning the Mail to Sender in case of not being able to locate the address of the Receiver
- Intra-city transmission of mail between Mail Offices and Post Offices
- Transmission of Foreign articles through the Post office network
Education
Master of Science - Information Technology
DAV College, Panjab University
India01.2012
Bachelor of Computer Applications - Computer Science
Panjab University
India06.2010
Skills
- Analytical
- Customer support
- Conflict resolution and negotiation
- Underwriting
- Critical Thinking
- Customer Satisfaction
- Communication
- Attention to detail
- Background Review
- Teamwork
- Planning Advice
- Leadership
- Strategic management
- STRs Analysis
- Loss prevention strategies
- Fraud Detection
Certification
- IFIC/CIFC, IFSE, 01/23
- Operational Analysis of Suspicious Transaction Reports, Basel Institute on Governance, 10/24
Languages
English
Full Professional
Hindi
Native/ Bilingual
Punjabi
Native/ Bilingual
Timeline
Fraud/Loss Prevention Specialist
TD
02.2024 - Current
Customer Service Representative
CIBC
11.2023 - 02.2024
Credit Manager
Union Bank of India
08.2021 - 07.2023
Assistant Branch Manager
Union Bank of India
02.2017 - 08.2021
Assistant Manager (CREDIT)
Union Bank of India
06.2016 - 02.2017
Postal Assistant
India Post
02.2016 - 05.2016
Master of Science - Information Technology
DAV College, Panjab University
Bachelor of Computer Applications - Computer Science
Panjab University
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