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.