Nikita Roy
Woluwe-Saint-Lambert
Summary
Experienced Banking Professional with 9+ years of expertise in customer onboarding, operational risk management, and regulatory compliance, including KYC/AML. Skilled in FATCA, UBO, periodic reviews, documentation validation, and cross-functional coordination. Adept at working in high-volume environments, ensuring data accuracy, compliance with policies, and fraud risk mitigation. Fluent in English (C2), working proficiency in French (B1). Currently pursuing AML certification to further specialize in financial crime prevention.
Overview
8
8
years of professional experience
1
1
Certificate
Work History
Deputy Manager
State Bank Of India
03.2015 - 01.2019
- Pioneered the implementation of innovative changes, spanning from operational processes to advanced IT systems, introducing new methodologies, systems, vocabulary, and more, to drive efficiency and modernization.
- Facilitated regular discussions with customers to stay abreast of their evolving needs and preferences, effectively resolving issues, and nurturing brand loyalty. Leveraged team management skills to foster a collaborative environment, leading by example as a team lead and cultivating a culture of continuous learning and development. Provided dedicated support to customers/clients, conducting thorough audits to discern their preferences and needs accurately.
- Managed a spectrum of activities including sourcing, processing, document execution, disbursements, and maintaining customer accounts, ensuring seamless operations and compliance with regulatory standards. Oversaw the day-to-day financial activities of the bank, maintaining meticulous records and upholding financial integrity.
- Drove business growth by actively attracting clientele to the bank and promoting diverse products and schemes tailored to meet customer needs and preferences. Kept abreast of potential new clients, effectively managed product offerings, and stayed informed about developments in new products, ensuring the bank remained competitive and responsive to market trends.
- Collaborated closely with bank customers, providing guidance on various alternate banking facilities and products, including issuing Cheque Books, ATM Cards, Demand Drafts, Internet banking, and Cash Deposit Machines (CDMs), among others. Delivered support services ranging from high-level financial products to basic assistance such as issuing new cards, recognizing that exceptional support is pivotal in fostering customer loyalty and satisfaction.
- Executed marketing and cross-selling strategies, facilitating the provision of loans to eligible clients while overseeing the documentation process under supervision to ensure compliance and accuracy. Provided comprehensive support across diverse client situations, conducting audits, validating financial information, and rectifying discrepancies to uphold financial integrity and client satisfaction.
- Proactively addressed customer complaints, including discrepancies in accounts and rectification of undue charges, ensuring prompt resolution and maintaining customer satisfaction. Provided support in addressing accounts discrepancies, conducting accounts rectifications, and performing general auditing tasks to uphold accuracy and transparency in financial transactions.
- Streamlined communication channels between management and employees, effectively eliminating functional bottlenecks and reducing workloads. Strived to eliminate silos within the organization, fostering a more cohesive and efficient work environment.
- Managed end-to-end KYC lifecycle including onboarding, periodic reviews, and remediation.
- Conducted FATCA/CRS data collection and UBO identification for corporate and high-risk clients.
- Flagged suspicious transactions and submitted reports internally, aligning with STR/SAR standards.
- Conducted PEP and Sanctions checks manually during high-risk customer onboarding.
- Engaged in risk profiling and transaction monitoring to classify clients as low/medium/high risk.
- Maintained complete audit trails for RBI audits, similar to EU regulatory reporting frameworks.
- Provided client outreach for KYC renewal and documentation updates.
- Handled corporate onboarding including validation of authority documents and entity structures.
- Promoted digital channels, enhancing customer experience while supporting KYC compliance.
- Supported compliance and audit readiness through meticulous documentation and SOP alignment.
Assistant Manager (JMGS-1)
State Bank Of India
03.2011 - 03.2015
- Offered hands-on assistance to customers, assessing needs, and maintaining current knowledge of consumer preferences.
- Monitored cash intake and deposit records meticulously, resulting in increased accuracy and decreased discrepancies. Provided tailored support based on client preferences, needs, and gathered knowledge, ensuring personalized service delivery and client satisfaction.
- Completed regular inventory counts to verify stock levels, address discrepancies, and forecast future needs.
- Generated repeat business through exceptional customer service and responded to customer concerns with friendly and knowledgeable service.
- Developed loyal and highly satisfied customer base through proactive management of team customer service strategies.
- Mentored team members to enhance professional development and foster accountability in the workplace. Leveraged both team and personal experiences to accelerate the growth of both seasoned and newer team members, fostering a culture of continuous improvement and rapid personal development.
- Utilized team leadership experience to supervise day-to-day operations effectively, ensuring alignment with performance, quality, and service expectations.
- Assisted in the implementation of banking regulations and policies, ensuring compliance with all relevant laws and guidelines to maintain a secure and ethical banking environment.
- Collaborated with cross-functional teams to develop and execute marketing campaigns, resulting in increased customer acquisition and product awareness.
- Conducted regular training sessions for team members on banking products, services, and compliance protocols, enhancing their knowledge and skills.
- Contributed to the development of cost-effective operational procedures, optimizing resources and minimizing operational expenses.
- Worked closely with senior management to analyze financial statements and identify areas for cost reduction and revenue enhancement.
- Oversaw the scheduling and staffing of branch personnel for business continuity purposes, ensuring adequate coverage during peak business hours and maintaining efficient staffing levels.
- As the primary liaison for intricate customer inquiries and complaints within banking, I adeptly managed diverse and multifaceted issues, swiftly resolving them to uphold customer satisfaction and maintain the integrity of the institution.
- Implemented fraud detection and prevention measures, minimizing risks associated with fraudulent activities.
- Assisted in the preparation of monthly, quarterly, and annual financial reports, supporting data-driven decision-making processes.
- Collaborated closely with the risk management team to assess and mitigate potential risks inherent in lending and investment activities. If applying to the audit team, specific phrasing tailored to their understanding can be provided upon request.
- Participated in regular meetings with senior management to provide insights and recommendations for improving branch performance and profitability.
- Fostered a culture of teamwork and excellence among branch staff, promoting a customer-centric approach to service delivery.
- Supported basic KYC collection during onboarding and document verification.
- Learned and applied RBI guidelines equivalent to international CDD standards.
- Flagged minor discrepancies in documentation and supported frontline risk assessment.
- Introduced to FATCA/CRS data collection and basic AML red flags.
- Participated in client documentation reviews aligned with early-stage audit and control practices.
- Shadowed senior staff in detecting transaction mismatches, setting the base for AML awareness.
Probationary Officer
State Bank Of India
01.2011 - 01.2013
- Supported frontline KYC and onboarding documentation for retail and agri-banking customers.
- Gained basic exposure to risk assessment, FATCA compliance, and RBI audit standards.
- Managed customer queries, promoting banking awareness and adoption of digital services.
- Conducted field verifications and customer visits as part of loan disbursal due diligence.
- Recorded and verified client data, preparing the base for proper audit trail maintenance.
- Initiated learning in transaction monitoring by flagging anomalies for senior review.
- Ensured adherence to core banking SOPs and collaborated with teams across operations, lending, and service functions.
Education
MBA - Agri-Business
Utkal University
Orissa06.2009
Bachelor of Science - Agriculture
Bidhan Chandra Krishi Vishwavidyalaya
West Bengal06.2007
High School Diploma -
Carmel School
Jharkhand05.2002
High School Diploma -
Carmel School
Jharkhand05.2000
Skills
- Customer Due Diligence (CDD)
➤ Indian Equivalent: Basic KYC (PAN, Aadhaar, Address proof, Income proof as per RBI guidelines)
➤ EU Equivalent: CDD process for onboarding individuals and legal entities - Enhanced Due Diligence (EDD)
➤ Indian Equivalent: Additional verification for high-risk clients like NRIs, PEPs, and large-value corporate borrowers
➤ EU Equivalent: EDD as defined under AMLD5/6 for high-risk categories and beneficial ownership checks - Ultimate Beneficial Ownership (UBO) Validation
➤ Indian Equivalent: UBO declaration collected for corporate accounts, partnerships, and trusts
➤ EU Equivalent: Mandatory identification of any individual with >25% ownership in business entities - PEP Screening
➤ Indian Equivalent: PEPs flagged in onboarding based on internal policy and manually verified
➤ EU Equivalent: Automated screening against PEP lists integrated into onboarding systems - FATCA/CRS Compliance
➤ Indian Equivalent: Self-declaration forms collected for US persons/NRIs, flagged in CBS
➤ EU Equivalent: Mandatory global tax compliance under OECD CRS/FATCA rules - STR/SAR Filing (Suspicious Transaction Reports)
➤ Indian Equivalent: STRs reported to FIU-India via compliance officer based on RBI guidelines
➤ EU Equivalent: Similar STR filing to FIU/MLRO under EU AML laws - Transaction Monitoring
➤ Indian Equivalent: Manual and rule-based CBS alerts reviewed at the branch or compliance level
➤ EU Equivalent: Real-time or batch-mode alert monitoring using AML engines like Actimize or SAS
- Negative News / Adverse Media Screening
➤ Indian Equivalent: Manual public domain checks on companies or key individuals during loan onboarding
➤ EU Equivalent: Automated screening of negative media using tools like World-Check or LexisNexis - Risk-Based KYC Categorization
➤ Indian Equivalent: Customers segmented as Low/Medium/High risk per RBI KYC Master Direction
➤ EU Equivalent: Mandatory RBA (Risk-Based Approach) classification and review frequency - Client Outreach / KYC Remediation
➤ Indian Equivalent: Contacting clients for KYC renewal, expired documents, or clarifications
➤ EU Equivalent: Remediation outreach based on periodic review failures or compliance gaps - Regulatory Audit Readiness
➤ Indian Equivalent: Documentation maintained for internal, RBI, and concurrent audits
➤ EU Equivalent: File completeness and audit trails for FSMA/ECB or internal audit reviews - AML Case Investigation
➤ Indian Equivalent: Verifying CBS alerts, large transactions, and raising to branch compliance team
➤ EU Equivalent: Level 1 AML Alert review and escalation to senior AML teams - Onboarding of Legal Entities
➤ Indian Equivalent: Validation of firm/company/trust documents, UBOs, and authorized signatories
➤ EU Equivalent: Corporate KYC onboarding with complete document trail and beneficial ownership validation - Process Improvement & SOP Training
➤ Indian Equivalent: Branch-level optimization of KYC workflows, staff training, and quality checks
➤ EU Equivalent: Internal control refinement and compliance process documentation
Languages
French
Intermediate (B1)
English
Bilingual or Proficient (C2)
Timeline
Deputy Manager
State Bank Of India
03.2015 - 01.2019
Assistant Manager (JMGS-1)
State Bank Of India
03.2011 - 03.2015
Probationary Officer
State Bank Of India
01.2011 - 01.2013
MBA - Agri-Business
Utkal University
Bachelor of Science - Agriculture
Bidhan Chandra Krishi Vishwavidyalaya
High School Diploma -
Carmel School
High School Diploma -
Carmel School
Certification
Pursuing ICA Certificate in Anti-Money Laundering (AML) – Expected Completion: December 2025
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