PO BOX 9293, National Bank of Kuwait-Dubai, MOBILE-050-3808627, Email- [email protected]

OBJECTIVE
To find an exciting and challenging career in a healthy environment where I can utilize my education, experience and interpersonal skill to the fullest

Key Strengths and Achievements
Experienced Treasury, Payments and settlements, Loans operations and Centralized Operations professional having extensive People, Time and Project Management delivery capabilities. Well versed in global best practices and international product processing across all asset classes. Have extensive knowledge in developing comprehensive Strategic Business models, by leveraging the latest Technology, Operational efficiencies and optimal use of key resources with minimum impact on cost.

15 years of banking experience with specialized knowledge of Treasury & Corporate Operations covering FX, MM, Derivatives, Capital Markets & Structured products, Loans Operations, Funds Transfers, Account Opening, Project Management, Cash Management and Retail Operations, Risk Management, Internal Control etc
Implemented global systems such as automation of Treasury Back Office from complete manual Opertions in AS400 through ISMM, automation of Clean Payments Sytem including auto generation of statements (MT 950) OF Vostro Accounts from AS400 to Swift Alliance, extensive knowledge of Reuters, Kondor+, KTP, Kondor Global Limits, SWIFT Accord, SWIFT Alliance, and Euroclear.
Automated processes & re-organized National Bank of Kuwait Dubai Branch-Central Operations including Treasury Operations and payments team to achieve 50% head count savings. This enabled the team to manage 83% increase in volume.
Actively engaged with Central Bank UAEFTS, UAEDDS and IBAN implementation in UAE projects scheduled . Played a key role in setting up Core Banking system for the newly opened branch at NBK-DUBAI and was responsible to conduct entire UAT required in Core Banking system AS400 before implementation. Updated the procedures for the branch at start-up, headed the project relating to CRM (Credit Risk Module) for limits monitoring  in Core Banking System AS400, Clean Payments systems for both local and Foreign currencies, including lot of other projects that which is assigned from PMO’S office at IBG level to the branch

Extensive knowledge of Treasury front office products and was a replacement to treasurer of the branch and dealt with covering Money Market and FX requirements of the branch in the absence of Head of Treasury.
Comprehensive experience in migrating portfolios to front, middle and back-office operating systems and supporting Local & International branch operations processing
Excellent Networking, Business & Process development skills, Automating solutions and positively contributing towards Organizations Objective on cost Synergy

Career Highlights
SENIOR DEALER-FOREX AND MONEY MARKET AT NATIONAL BANK OF KUWAIT (03 OCT 2016-TILL DATE)

Assisting the Chief Dealer in pricing & trading of Treasury products, and adhering to regulatory & internal risk limits.
Co-determine prices of foreign currencies for sale to or purchase from the Bank’s customers and other financial institutions.
Help in managing NBK-DUBAI’S Asset & Liability positions in foreign currencies. Generate incremental income by taking interest rate risks under the supervision of the Chief-Dealer. Help in managing interest rate gaps as per internal guidelines and external regulations. Achieve the financial and non-financial objectives determined by the Chief Dealer as per the desks overall plan.
Prepare daily FX counter rates.
Ensure that daily profit/loss reported by FCD is in line with the desk’s figures.
Update relevant blotters on an intraday basis (FX, MM, Bank-Limits, Cash flows,)
Prepare End of Day reports and rate sheets.
Quote competitive prices on all traded currencies to the branch departments and other counterparties.
Provide bank customers, subordinates and management with market information under the supervision of the Chief Dealer.
Dispatch the weekly FD rates for customers in foreign currencies.
Price loans, deposits Islamic products and other structures for customers, other departments of the bank, and inter-bank counterparties, under the supervision of the Chief Dealer, to ensure competitive presence while maximizing profits.
Quote Forward and FX Swap points to banks and clients.
Maintain bank O/N & FX Position limits.
Maintain Nostro / Correspondent Bank balances.
Ensure that all Bank and regulatory guidelines and rules are complied with (Liquidity, IR Gaps, ELAR, ASRR,….)
Assist the Treasurer in preparing the periodical reports (ALCO, Foreign Currency Liquidity)
Manager-Centralized Operations – National Bank of Kuwait (June 2008 to 30 SEP 2016)
Manage a team of 6 specialized Treasury, Payments and settlements, Operational Control and Central Ops back office including Payments and Loans operations(Retail, Personal, Housing, Syndications and Bilateral loans Operations) with a book size (annual turnover of USD 1 Bio) driving 55K++ transactions annually covering complete product suite from FX, MM, Derivatives, Capital Markets,Fixed Income and Islamic Products, Centralized Operations including Domestic Payments, Foreign Currency Payments and Investigations, Loans Processing etc. Headed the team responsible for all the projects relating to the branch in Core Banking System AS400. Designed and implemented accounting processes and procedures to enable the bank to trade Bonds, Equities and Derivatives, Automated confirmation matching and Settlement process, Actively engaged in CRM (Credit Risk Module) implementation in the core banking for limits monitoring and was responsible for entire UAT and implementation in Equation AS400. Established a Control Dept within the Operations and set up all the controls to minimize Operational Risk

Supervisor Treasury Operations – Emirates NBD (Mar 2006 to June 2008)

Review of FX rates input by the processors provided by he dealers and authorize in system review of all FX and MM deals, monitoring Forex position and provide report to the dealers for all the o/s inter branch and interbank deals

Review of counterparty confirmations (MT 300 and MT 320) for any mismatch in swift accord.
Resolving all outstanding’s in Nostro/Vostro including review of Finance Recon Memo
Resolving outstanding with inter branch accounts and follow up on recon.
Review and authorize all payments vouchers relating to settlements, interest claim etc, setting up of SSI’s, account opening and counterparty in KTP, EQUATION and Kondor+

Authorization of deal payments based on the report run by KTP and EQUATION  for same day and future maturity payments, including NOSTRO TRANSFERS (MT200)

Review and authorize Central Bank payments for all branches and H.O through the CENTRAL BANK FUNDS TRANSFER SYSTEM, update LIMITS in Kondor + as and when approved from FID, processing start of day (SOD) and end of day (EOD)

Operations Supervisor – AlAhli Bank of Kuwait (May 2000 to March 2006)
Career at AlAhli Bank of Kuwait spanned various roles covering Finance Support, Customer Service,Retail Banking, Cash and Clearing, Funds transfers, Communications (Swift Alliance including setting up of BKE, RMA etc), Investigations, Treasury Back Office and Risk Management & Project Management relating to Core Banking KAPITI and Vendor systems like ICCS and BEAMS.

Project Management Capabilities

Extensive project implementation and management experience covering all core Treasury and Operational systems including:

Treasury processing systems – AS 400, Kondor+,KTP, Reuters 3000, Reuters
Dealing System etc
Core Banking solutions –  Mysis Equation-AS400
Global Network solutions – Swift Alliance, Accord, Euro clear, Image Check
Clearing System (ICCS), UAEFTS (UAE Fund Transfer System for Domestic Payments within   UAE, DIRECT DEBIT SYSTEMS (UAEDDS)-to be implemented by Central Bank of UAE, Nostro Reconciliation
Limit monitoring systems –  Kredinet, CREDIT RISK MODULE (CRM) IN AS400
Accounting modules, SWIFT messaging rules & Risk Management tools, FATCA
Centralization, Automating systems, Re-aligning processes / people, Product
Policy, Procedures, PFD and mitigating Operational & Audit Risk

Professional Qualifications and Interests

BACHELOR OF COMMERCE- from Mangalore University-Karnataka-India-Year 1995

3 years course – Advanced Diploma in Software Applications-from TATA  INFOTECH – Year 1997 (passed with distinction)

Modules covered: Computer Application, all windows based software’s,
programming techniques, MS Dos, MS Windows, MS Word, MS Excel, MS  Powerpoint, Visual C++, Visual Foxpro, Visual Basic, Unix operating system, Oracle 7.0, Developer 2000, Internet, Novell Netware etc

TRAINING COURSES:>

*           Attended “Accounting in Banking” course conducted by Emirates
Banking   Group at “Global Training Center”-Dubai in the year 2001.

*           Foreign Exchange and Money Market’ course at Emirates Institute for                                       Banking and      Financial Studies

*           “Anti Money Laundering” : Law, Regulations & Best Practices at Emirates                               Institute for Banking and Financial Studies.
*           Basel II Compliance Insights: conducted by Emirates Institute for Banking and             Financial Studies-U.A.E-in the year 2010
*           Principles of Internal Audit: conducted by Emirates Institute for Banking                                & Financial Studies-U.A.E-in the year 2011.
* Treasury Management- at Emirates Institute for Banking and Financial Studies in the year 2012
* Structured Products-At Emirates Institute for Banking and Financial Studies in the year 2013
·         Investment Banking and Business Valuation-at Emirates Institute for Banking and Financial Studies in the year 2014
Market Risk Management at EIBFS in April 2015
Credit Risk Management at EIBFS in March 2016
Office Administration->    Strong communication skills, Organizational abilities, Telephone
techniques, self correspondence, excellent interpersonal skills

Honours:                                  Was honoured as “Best employee of the year” by the  Executive                                                                     Management Committee of  NBK-Kuwait in the year 2009

Was honored appreciation certificate from International Banking Group for

delivering IT-Operational projects at NBK-UAE-in the year 2011

Was honored appreciation certificate from International Banking Group for

delivering IT-Operational projects at NBK-UAE again in the year 2012.

Was honored with certificate of excellence from International Banking Group

for delivering IT-Operational projects at NBK-UAE again in the year 2013

Personal details:                      Indian national
Married-(widow)
Date of Birth-20/05/1974
Residence visa status-(Husbands sponsorship)
Holder of valid UAE driving license