ARUL SELVAM SANJAY P Practical and competent professional with total 7+ years of banking experience as compliant

KYC Analyst and Branch Operations Head, providing risk assessment with firm's regulatory and
statutory obligations. Thorough knowledge of Customer Identification Procedure(CIP)
requirements. Detail-oriented professional with high-level proficiency to streamline
communication

Work experience
KYC Analyst Jul 2022 - Present
Personal Ajman Bank, Ajman, UAE
Ensured that sufficient customer information was collected of client to develop an
Address
ALI MOOSA BUILDING understanding of normal and expected activity based on the customer profile
DUBAI Responsible to conduct an effective due diligence analysis on business background,
operations, understand the risks involved with various business models and apply enhanced
Phone number
+971 566385300 due diligence for high‑risk business types.
Collect KYC‑related documentation from prospect clients, validate client information,
Email
arulselvamsanjay.03@gmail.com documentation and able to identify forged documents.
Identifying red flags, control issues with respect to KYC remediation.
Reviewing hits on sanctions data and ruling out or escalating as appropriate and conduct
Interests name screening, due diligence and adverse media matches using tools
Cricket, Soccer Perform Sanctions, Adverse Media and world‑check screening for all clients, UBOʼs and all
connected
Executing due diligence on the self‑certification forms and curing documents (KYC of
Languages customers) received from the client and assigning tax status in bank records of the clients as
English per their declaration on FATCA and CRS forms.
Tamil In depth review of Transactions Analysis to identify red flags followed by investigation and
raise iSAR if required.
Malayalam
To conduct end to end KYC Customer Due Diligence (CDD). this can be either new to bank,
trigger events or periodic reviews which includes unwrapping of beneficial ownership
structures.
Checking clientʼs information as per designed policies and procedures set for FATCA and
CRS process.
Perform further investigation on identified suspicious client and clientʼs transactions and
report to KYC/AML compliance officer
Independently managed multiple simultaneous requests inclusive of customer data
maintenance in a high‑pressure work environment.

Branch Operation Manager (Deputy Manager) Aug 2020 - Jun 2022

Equitas Small Finance, Chennai, India
• Preparation of “Risk Appetite Statement” and stating Maximum Tolerance Level, Zero
Tolerance Level for Bank.
• Prepared high-risk reviews with results and recommendations for customer onboarding,
closure and retention.
• Adjusted end-to-end KYC process needs to align with workforce capabilities.
• Conducted KYC formality reports on questionable accounts and transactions.
• Analyzed and investigated clients to conduct detailed customer due diligence and enhanced
due diligence review.
Worked with Loan and Credit Risk departments to facilitate communication and deliver
personalized solutions to customers.
• Maintained branch files for major accounts, investments and employees.

Relationship Officer (Deputy Manager) Oct 2019 - Jun 2020

Kotak Mahindra Bank LTD,, Chennai, India
• Monitored, followed-up and escalated cases to meet customer response commitments.
• Retained and grew portfolio of relationships by performing proactive, mobile and value-
adding partnership role.
• Generated new business and referral clients in partnership with financial advisors and branch
team.
Business Development Manager (Assistant Manager) May 2015 - Oct 2019
Axis Bank LTD, Chennai, India
• Reached out to potential customers via telephone, email and in-person inquiries.
• Developed and promoted successful company sales and account management personnel into
leadership positions to drive company growth.
• Researched industry and marketplace trends to develop marketing solutions and enhance
business operations.

Home Loan Executive Feb 2013 - Dec 2013

Chennai, India, Chennai, India
• Obtained copies of applicants' credit histories and reviewed paperwork to determine
feasibility of granting loans.
• Monitored pipelines to track and log status of loans.
• Supervised loan personnel and motivated to maintain customer service and performance
standards.

Home Loan Executive Jun 2012 - Jan 2013

HDFC BANK LTD, Chennai, India
• Assisted clients with improving financial health by counseling on issues such as excessive
spending and borrowing.
• Developed prospects for new loans by conducting 100 cold calls weekly.
• Created strategies to develop and expand existing customer sales, resulting in increase in
annual sales.

Education and Qualifications

Bachelor of Commerce: Corporate Secretaryship Jun 2008 - Apr 2011
New College, Chennai, India

References
Mohammed Ayub IDENFO
+971529715393
Ayub@idenfo.com

Skills
Microsoft Word
Customer Relationship
Management
Strategic financial planning
Financial and operational
reporting
GAAP and statutory reporting
Industry analysis experience
Business Development
Analytical and Critical Thinking
Finacle
Flex cube

Personal Details
Date of Birth: 29/04/1991
Marital Status: Married
Passport No : L1007763