Summary
Overview
Work History
Education
Skills
Certification
Secondment Experience (RBC)
Timeline
Generic

Thusha Kanagar

Markham,Canada

Summary

Detail-oriented banking and financial services professional with 12+ years of experience in operations, underwriting, and compliance. Recognized for accuracy, regulatory adherence, and client service excellence. Skilled in data analysis, mortgage evaluation, AML, and risk management with a proven track record of optimizing processes and meeting SLAs in fast-paced environments.

Overview

14
14
years of professional experience
1
1
Certification

Work History

Operations Officer

TD Bank
03.2025 - Current
  • Validate and process customer credit data, ensuring compliance with internal policies and regulatory standards.
  • Resolve discrepancies between bureau data and internal records, reducing errors and improving accuracy.
  • Partner with compliance, branches, and loan officers to ensure seamless credit reporting processes.
  • Maintain detailed audit documentation to support regulatory reviews.
  • Monitor credit bureau feedback for irregularities and proactively escalate concerns.
  • Assist customers with disputes and ensure timely resolution of errors in credit reporting.

Junior Underwriter

Mortgage Alliance
11.2023 - 12.2024
  • Reviewed and assessed mortgage applications, ensuring compliance with lending policies and risk standards.
  • Conducted detailed financial analysis of income, assets, and liabilities to determine loan eligibility.
  • Collaborated with underwriting teams and mortgage brokers to resolve complex cases.
  • Prepared risk assessment summaries for senior underwriters and management review.
  • Maintained accurate records of underwriting decisions in accordance with audit requirements.
  • Advised brokers and clients on required documentation to reduce delays in processing.
  • Supported the development of risk assessment strategies to improve portfolio performance.

Operations Officer / Mortgage Funding Underwriter

Royal Bank of Canada
06.2014 - 10.2023
  • Processed high-volume payments and wire transfers, consistently meeting SLA deadlines.
  • Led automation initiatives that reduced processing errors and enhanced efficiency.
  • Reviewed and validated wire instructions to ensure regulatory compliance and fraud prevention.
  • Partnered across departments to resolve escalated payment discrepancies and client concerns.
  • Maintained audit-ready records of transactions for compliance and regulatory purposes.
  • Conducted root-cause analysis on payment issues and implemented corrective measures.
  • Delivered training and mentorship to junior team members on compliance and operational procedures.
  • Recognized with Employee of the Month (x2) for accuracy and client service.

Mortgage Funding Underwriter

Royal Bank of Canada
12.2013 - 06.2014
  • Processed mortgage applications and ensured compliance with internal policies.
  • Validated property valuations, credit reports, and client income documentation.
  • Streamlined funding workflows by implementing digital documentation, reducing turnaround times.
  • Coordinated with legal, real estate, and internal teams to facilitate smooth closings.
  • Assisted clients in understanding funding requirements, improving transparency and satisfaction.

Mutual Funds Coordinator

Laurentian Bank of Canada/ B2B Bank
01.2012 - 11.2013
  • Managed and validated mutual fund transactions, ensuring compliance with regulations.
  • Verified supporting documentation (ID, bank statements, investment agreements) to prevent errors and fraud.
  • Partnered with advisors and clients to resolve transaction-related inquiries.
  • Processed new account openings and redemptions while maintaining service quality.
  • Maintained accurate investor records and ensured timely reporting to stakeholders.
  • Participated in compliance audits by preparing documentation and providing process explanations.

Education

Diploma - Computer Programming & Operating

Seneca College

Ontario Secondary School Diploma (O.S.S.D.) -

Marc Garneau C.I.

Skills

  • Technical: MS Office Suite, VBA, Financial Systems, Workday
  • Analytical: Risk Assessment, Data Analysis, Mortgage Evaluation, AML Monitoring
  • Professional: Attention to Detail, Client Service, Time Management, Problem Solving
  • Operational efficiency
  • Continuous improvement
  • Organizational efficiency
  • Office administration
  • Customer service

Certification

  • AML Certification (CAMS) – 2024-12
  • IFIC (in progress) – Canadian Securities Institute

Secondment Experience (RBC)

  • AML Operations Support Agent (2016 – 2017)
  • Investigated client activity and supported AML compliance reviews.
  • Prepared documentation for suspicious activity reporting.
  • Assisted AML officers in reviewing flagged transactions.
  • HR Associate (2022)
  • Processed employee data changes in Workday and resolved HR inquiries.
  • Handled employee life-cycle transactions (hire, termination, benefits, payroll updates).
  • Responded to escalated HR cases with accuracy and confidentiality.

Timeline

Operations Officer

TD Bank
03.2025 - Current

Junior Underwriter

Mortgage Alliance
11.2023 - 12.2024

Operations Officer / Mortgage Funding Underwriter

Royal Bank of Canada
06.2014 - 10.2023

Mortgage Funding Underwriter

Royal Bank of Canada
12.2013 - 06.2014

Mutual Funds Coordinator

Laurentian Bank of Canada/ B2B Bank
01.2012 - 11.2013

Diploma - Computer Programming & Operating

Seneca College

Ontario Secondary School Diploma (O.S.S.D.) -

Marc Garneau C.I.

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Thusha Kanagar