1. POOJA MALHOTRA
Contact NO: 050-6778714
pmalhot@hotmail.com
Objective
To excel in my career by taking up challenging assignments at the workplace, hone skills by
maintaining a learning attitude, contribute to organizational goals by putting to use my skills,
experience and knowledge acquired over time in banking industry in India and UAE.
Skills Summary
An astute banker with more than eight years of experience in retail and private multinational
banks in India and UAE. Excel at interfacing with various functions at all levels to ensure
attainment of organizational success.
Work Experience
Associate Director – Bank Julius Baer (Feb 2016- Till date)
 Prepare and process account opening documents (personal, corporate and trust
accounts) in line with compliance framework by monitoring KYC and money laundering.
 Performing searches on clients, entities and related parties in World check and Google.
 Ensure complete and accurate information is provided in all client documentation before
submission to on-boarding team and compliance.
 Update customer details by providing call/contact reports, documentation, client profile
and any other administrative matters as required.
 Assist in the preparation of the annual account review and timely renewal of credit facility.
 Assist in preparing clients' payment instructions and monitoring of funds for payment.
 Process and follow client instructions by acting as the liaison with Operations, Credit,
Compliance and other relevant departments.
 Partnering with client and service providers in ensuring timely execution of transactions.
 Understanding client requirements and assisting Relationship Manager (RM) in the daily
maintenance of account relationships.
 Supporting RM in advancing excellent service to clients, to achieve client retention and
satisfaction.
 Processing of clients' requirements with zero errors in transaction execution and
providing excellent service delivery.
 Tracking and following up on outstanding documentation and client outstanding
settlements.
Private Banking Executive – Barclays Bank PLC (Nov 2015- Jan 2016)
 Prepare and process account opening documents (personal, corporate and trust
accounts) in line with compliance framework by monitoring KYC and money laundering.
 Performing searches on clients, entities and related parties in World check, Google and
Lexis Nexis.

2.  Ensure complete and accurate information is provided in all client documentation before
submission to on-boarding team and compliance.
 Update customer details in CRM system, call/contact reports, documentation, client
profile and any other administrative matters as required.
 Assist in the preparation of the annual account review and timely renewal of credit facility.
 Assist in preparing clients' payment instructions and monitoring of funds for payment.
 Process and follow client instructions by acting as the liaison with Operations, Credit,
Compliance and other relevant departments.
 Inputting client instructions such as payments, DVPs/RVPs, deposit/loan set up and
renewal, order placement for trades, in the Avaloq system.
 Partnering with client and service providers in ensuring timely execution of transactions.
 Understanding client requirements and assisting Relationship Manager (RM) in the daily
maintenance of account relationships.
 Supporting RM in advancing excellent service to clients, to achieve client retention and
satisfaction.
 Processing of clients' requirements with zero errors in transaction execution and
providing excellent service delivery.
 Tracking and following up on outstanding documentation and client outstanding
settlements.
Associate to Relationship Manager – Bank J. Safra Sarasin Asset Management
(Middle East) Ltd. (May 2014- Oct 2015)
 Prepare and process account opening documents (personal, corporate and trust accounts) in
line with compliance framework by monitoring KYC and money laundering.
 Ensure complete and accurate information provided in all client documentation, before
submission to operations.
 Update customer details in CRM system, call reports, documentation, client profile and any
other administrative matters as required.
 Assist where applicable in the preparation of the annual investment review
 Process and follow client instructions acting as the liaison with Operations, Credit,
Compliance and other relevant departments to execute client instructions e.g. fund transfers,
deposit/loan set up and renewal, order placement for loans and securities.
 Provide back-up support for RMs during their business trips.
 Prepare Credit Application on a timely basis.
 Alert relationship managers to trade within approved facilities and margin.
 Proactively co-ordinate with the relationship managers on replies to Alert messages on
various account transactions, raised by compliance.
 Monitor hold mail updates from clients and timely submission to operations.
 Work closely with non-marketing functions, in particular Operations, Risk Management and
Compliance in discharging routine jobs diligently.
 Co-ordinate all client visits to ensure pertinent information is available at the client visit (i.e.
hold mail, documentation for client signature).
 Provide administrative support including correspondence and ensure proper filing of
transactions, correspondence and reports.
 Zero errors in transaction execution and service delivery
 Undertake to attend all the mandatory training and development programs set by the Bank.
Marketing Associate - Bank of Singapore (March 2011- May 2014)
 Prepare and process account opening documents (personal, corporate and trust accounts) in
line with compliance framework by monitoring KYC and money laundering.
 Ensure complete and accurate information provided in all client documentation, before
submission to operations.
 Ensure conformity with credit policies including margin requirement, stress test, concentration
and documentation requirement.
 Facilitate daily transactional needs of clients including loan documentation, deposit
processing, transfers, payments, overdrafts and booking foreign exchange deals.

3.  Monitor client’s transactions and activities in their accounts in a timely and professional
manner.
 Update customer details in CRM system, call reports, documentation, client profile and any
other administrative matters as required.
 Assist where applicable in the preparation of the annual investment review
 Process and follow client instructions acting as the liaison with Operations, Credit,
Compliance and other relevant departments to execute client instructions e.g. fund transfers,
deposit/loan set up and renewal, order placement for loans and securities.
 Provide back-up support for RMs during their business trips.
 Prepare Credit Application on a timely basis.
 Alert relationship managers to trade within approved facilities and margin.
 Proactively co-ordinate with the relationship managers on replies to Alert messages on
various account transactions, raised by compliance.
 Monitor hold mail updates from clients and timely submission to operations.
 Work closely with non-marketing functions, in particular Operations, Risk Management and
Compliance in discharging routine jobs diligently.
 Co-ordinate all client visits to ensure pertinent information is available at the client visit (i.e.
hold mail, documentation for client signature).
 Provide administrative support including correspondence and ensure proper filing of
transactions, correspondence and reports.
 Zero errors in transaction execution and service delivery
 Undertake to attend all the mandatory training and development programs set by the Bank.
Marketing Specialist – Operations- Standard Chartered Bank (Jan 2001 - March 2002)
 Obtain and process documents related to top ups, new loans, over drafts, etc.
 Harmonize with credit department to obtain approval for loan applications.
 Acquire valid, enforceable and flawless documents from credit and sales team to process
loans (in case of discrepancy).
 Calculate loan amount and the fee payable there on, as per bank’s policies.
 Update customer accounts related to loans, top ups and overdrafts.
 Assist department manager in performing quality checks for all personal loan accounts.
 Prepare Management Information System (MIS) by:
 Presenting the true status data, on day to day basis to the management for timely
recovery of loans.
 Enlisting, summarizing and reconciling the performance and irregularities of the customer
accounts.
 Monitoring overall functioning of processes, identifying improvement areas and
implementing adequate measures to maximize customer satisfaction.
 Screening MIS reports to determine the overall performance of the unit and undertake
strategic decisions.
Marketing Specialist - Personal Loans Telebanking - ANZ Grindlays Bank (July - Dec 2000)
 Answer customer queries, both existing and prospective, by providing latest and complete
information about personal loans.
 Notify the criteria and requirements to all prospective customers for new loans. Calculate
equated monthly installments for new applications.
 Keep track of approval of loans, top ups, overdrafts and deferrals in coordination with branch
offices throughout UAE.
 Compile customer feedback on the services provided to them by the bank & generated
pertinent reports.
 Additionally, attended general enquiries for issuance of credit cards. This resulted in an
increase in customer base.

4. Banking Assistant – Customer Service – HSBC, New Delhi, India (May1998 – June 2000)
While working in front office, handled customer queries in person & over phone, compiled
feedback on services provided by bank and coordinated with concerned departments for timely
resolution of complaints.
 Sell a variety of bank products and services such as car and home loans, demat accounts
etc to customer, in co-ordination with sales team.
 Handle receipt and payment of cash and prepare drafts for customers over the priority
counter while working in tellers.
 In the remittance department, prepared basic travel quota and drafts in foreign currency and
handled cash advances against credit cards and ID payments.
Education Credentials
 Masters degree in Business Administration with 1st class from Mahatma Gandhi University,
Dubai Academic City, Dubai, U.A.E., with Specialization in Finance and Human Resource in
the year 2010.
 Bachelor Of Commerce (Hons.) with 1st class from Delhi University in the year 1997.
 3 year GNIIT course from NIIT, New Delhi
Training & Workshops
 Basic Banking
 Quality Service to customers
 Quality Awareness Training
 ISO 9001 Internal Quality Auditor Training
 Derivatives on-line trading