CURRICULUM VITAE

KETAN P RATHOD

Room no 4, Navjala

Haji Bapu Road

Opposite Municipal Hospital

Malad (E), Mumbai 400097 Email: ketan.rathod66.kr@gmail.com

+91 9619030580)

Career summary :
14 years+ working experience in banking sector, efficient in Credit Administration, finance and
managerial skills. CKYC,AML, Trade Services Delivered very high employee satisfaction in the last job, as
well as knowledge of loan disbursement, Import and Export transaction related serviced in accordance
with set policies and standards, got promoted 3 times in Standard chartered bank. Join in ICICI Bank ltd
in December 2021 in Trade operation Service Department. Looking in Banking Sector only.

Work Experience:
 Working with Standard Chartered Bank

Department : Credit and Trade operation and C KYC

Designation : Credit Analysts/Support officer/Team Leader.

Period : From July 2010 to December 2021

 Working with ICICI BANK LTD

Department : Trade Operation Services Management and CKYC Department.

Designation : Trade Desk Manager/Analysis

Period : From 29th December 2021 till Present

Key achievement: -

Working with Standard Chartered Bank (2010 to 2021)

 Monitoring of client credit exposure for various portfolios like term loan and housing loan, SME and
Business Loan for higher ticket value cases also managing Compliance like AML and KYC.

 All regulatory processes in place to control money laundering, fraud, and financial crime, STR, CTR,
CBWTR etc

 Handling Operation team daily activities from login till disbursal for mortgage and business loan cases.

 Generating CIBIL & CIBIL Plotting & verification of constitutional & income documents (MOA,
Partnership Deed, ITR, Pay Slips etc)

 Prepare Credit Report (CRAN/CAM) TO Present in committee meeting.

 Credit underwriting Documents analysis of retail & wholesale loans.

 KYC Analyst and AML Analyst scrutiny of documentation.

 Pre-requisite checks of documents were done before login of the file, ROC, FI, RI and Cersai was
initiated.

 Co-ordinate with customer/operations from login till disbursal process & responsible for safety of
company documents held in FRFC (storage).

 Vendor/service provider agencies management.

 Working closely with various functional heads in company to assist with credit and operational aspects
of the business.

 Monitoring of client credit exposure for various portfolios like term loan, real estate construction
projects and housing loan.

 Ensured all the cases were processed & data entered in error free manner as per KYC

 Sales errors were controlled within the group guideline by analyzing the cases.

 Custodian of Home Branch (for all documents like stationeries, Pay orders, customer Loan Documents,
Application forms).

 Referral payment/vendor payment was done periodically.

 Empanel with Referral and generating codes with bank.

 All the mortgage cases were processed with minimum tact & quality checks were done

 Auditing work for tracing RFES system. ROC, FI, RI and Cersai Initiation.

 Dedup request entry in RFES CIBIL & Enhance Customer Due diligence was done.

 Scrutiny of KYC and CKYC checklist compliance.

 Obtaining information about a customer and verifying their identity

Name Screening process some combination of the following, depending on the assessed risk level:

 Obtaining full name and date of birth.

 Checking these details against current financial sanctions and watch lists to ensure individuals
are not high-risk.
 Verifying age and ID documentation to ensure individuals are who they say they are.
 Regularly reevaluating these details to remain in compliance with AML regulations.
 Multiple new account creation requests over a short period of time that lack verifiable ID.
 Handling Large-volume transactions from various location.
 monitoring customer profiles against current watch lists and sanctions lists for identify
suspicious behavior as it occurs.
 Checking the analysis of customer risk, including the identification and verification of beneficial
owners (for business customers).
 cross-checking a customer against watch lists, sanctions lists, PEP databases, etc. to gain a more
thorough understanding of customer risk.
 Verifying a customer’s identity during onboarding
 monitoring approved customers’ activities and transactions
 prepare a suspicious activity report (SAR) and submit it to financial authorities in case of
detecting possible money laundering.
 Processing Customer Due Diligence
 Identify and verify customer identity.
 Identify and verify the beneficial owners of new company clients
 Develop customer risk profiles based on the nature of their business.
 Perform ongoing monitoring to identify and report suspicious transactions and perform risk
assessment to maintain and update customer information.
 Key achievement: -

Working with ICICI Bank Ltd Operation Department (Dec 2021 till Present)

 Handling Operation team daily activities from trade transaction related and managing Compliance like
AML and KYC.

 All regulatory processes in place to control money laundering, fraud, and financial crime

All regulatory processes in place to control money laundering, fraud, and financial crime, STR, CTR,
CBWTR etc

 Processing Securities settlement for Rolling Settlement and Account Settlement.

 Evaluating Fresh Bank Guarantee for Governments and Private Sector for FD Back and limit Back cases

 Evaluating letter of Credit for Foreign and Domestic LC (Letter of Credit) for FD back and Limit Back
cases.

 Lodgment for Import documentation against Letter of Credit with sending Acceptance to the client

 Import and Domestic Letter of Credit Payment.

 Evaluating Outward Transaction for Advance payment (SMI), Direct Payment (MDC), Service Payment
(SMT)

 Evaluating Compliance like EDPMS and IDPMS with RBI Guidelines

 Evaluating Inward Remittance and import export transaction Lodgment, Realization payment.

 Import and Export Documents Lodgment against Collection.

 Import and Export Documents Lodgment against LC (Letter of Credit)

 Evaluating Export Packing Credit (EPC) Documentation for Running and Order base Account.

 Evaluating Packing credit, Foreign Currency (PCFC) Documentation for Running and Order base
Account.

 Name Screening process for all trade related documentation.

Educational Qualifications
Exams Institution Board / University Year of passing
MASTER OF MUMBAI
COMMERCE DALMIA COLLEGE UNIVERSITY 2015
K G MITTAL MUMBAI
B.COM COLLEGE UNIVERSITY 2009

Computer knowledge/ Technical Skills

Typing Speed 30 Wpm English.

Proficient in Ms Office Tally 9.0, Tally 7.2, Mail On, NORKOM, REGIONAL FRONTEND SYSTEM (RFES),
NORKOM-CDD, CIBIL.

Personal Information

Date of Birth : 14th Oct, 1987

Language known : English, Hindi, Marathi & Gujarati

Area Of Interest : Any financial assistance, Co ordination & Team leading.

Place: Mumbai (Ketan Rathod)