Navjot Sandhu
Payment Specialist
Toronto ,ON
Summary
Experienced payment specialist with strong analytical and detail-oriented approach. Skilled in cash processing within investment & treasury services, with proven track record of streamlining processes, ensuring compliance, and consistently delivering results. Goal is to transition into analyst role to leverage analytical abilities and financial risk expertise for driving operational excellence.
Overview
3
3
years of professional experience
3
3
Languages
Work History
Payment Specialist
Royal Bank of Canada
Toronto, ON
08.2023 - Current
- Reconcile Nostro breaks using TLM to maintain accurate cash balances and reduce discrepancies
- Process MT203 & MT103 payments efficiently while ensuring accuracy in high value transactions
- Investigating and reposting the discrepancies with correct Book value and with CUPSIP ID
- Collaborate with settlement teams to ensure timely cash is paid on VD and make sure suspense accounts are up to date
- Draft and send SWIFT messages (MT299 / MT 599) to agents and counterparties
- Prepare and update DOP/SOP documents to align with the operations standards
- Performed various administrative tasks related to payments, including generating reports, updating records, and maintaining accurate documentation.
- Evaluated and recommended improvements to current processing systems, leading to increased efficiency and reduced processing times.
- Oversaw monthly closing activities, ensuring accurate recording of financial transactions within set deadlines.
Operations Agent
Royal Bank of Canada
Toronto, ON
04.2023 - 08.2023
- Analyzed delinquency accounts and updated KYC, ensuring compliance and accuracy in client data
- Developed and automate excel templates improving the speed and accuracy of daily transfers
- Handle the internal requests for closing the credit cards/ accounts, enhancing operational efficiency and client satisfaction
Investment Representative
CIBC
Toronto, ON
11.2022 - 01.2023
- Opened new investor accounts (RRSP, TFSA, I-TRADE) and guided clients on market fluctuations
- Verified ownership and transaction details to ensure compliance during withdrawals
- Promote positive client relationships, enhancing retention and satisfaction
- Demonstrated expertise in account setup, fund account while upholding regulatory standards
- Assisted clients with portfolio management, resulting in improved diversification and risk mitigation.
Easy line Specialist
TD Bank
Markham, ON
09.2021 - 10.2022
- Educated customers on financial technology tools to manage transactions effectively
- Delivered personalized financial counseling and enhanced first call resolution above 90%
- Open a dialog with clients to cross sell bank products like credit cards, new accounts as per their need
Education
PGDM - Mechanical Engineering
Centennial College
Toronto, ON 09.2015 - 04.2017
Bachelors - Mechanical Engineering
Government Polytechnic College
Amritsar, Punjab 09.2011 - 05.2014
Skills
Financial data Analysis Client Communication SkillsRegulatory ComplianceRisk ManagementSwift messages MT599Swift messages MT 103Swift Messaging ExpertiseAdvanced Excel Proficiency Swift messages MT 103 Trade ReconciliationNostro Account ReconciliationFinancial reportingFinancial managementMonth-end closing procedures
Leadership Volunteering
CCSA Sikh Student Club, Co-Founder- Vice president,
- Spearheaded initiatives to promote community service among students fostering a sense of inclusivity and cultural awareness.,
- Organized campus wide events including holiday celebrations, art workshops, turban tying session with free meal distributions.
City Of Toronto, Ballot Officer,
- Managed the distribution and collection of ballots, ensuring accurate voter registration and adherence to election protocols.,
- Provided clear guidance to voters and resolved inquiries, maintaining a professional and welcome voting environment.
Timeline
Payment Specialist
Royal Bank of Canada
08.2023 - Current
Operations Agent
Royal Bank of Canada
04.2023 - 08.2023
Investment Representative
CIBC
11.2022 - 01.2023
Easy line Specialist
TD Bank
09.2021 - 10.2022
PGDM - Mechanical Engineering
Centennial College
09.2015 - 04.2017
Bachelors - Mechanical Engineering
Government Polytechnic College
09.2011 - 05.2014