1. Mohd Saiyid
Jammu, India
Opp 395A, Gandhi Nagar, Jammu – 180 004. India
Mobile : +91 959 689 1166 I +91 941 911 3510
E Mail : mohdsaiyid@gmail.com
 Banking Operations Professional 
7+ years of quantifiable experience in handling end-to-end Branch Banking Operations & Marketing Activities including
Public Relations, Media Handling, Facilities Management and Administration etc.
OBJECTIVE
Seeking a challenging and responsible position in a professionally managed & reputed organization where my functional
skills & competencies in the Banking Financial Services domain can be effectively used for contributing to the success of
the organization and can be further enhanced for mutual benefit
Specific interest in pursuing a Banking Career in the Middle East region

2. FUNCTIONAL
EXPERTISE
 Banking Operations &
Processes
 Branch Banking
 Product Sales
 Cross Selling
 Product Analysis &
Research
PROFESSIONAL SYNOPSIS
♦ Competent and resourceful Banking Operations professional with 7+ years of
demonstrated success in the Banking Industry with excellent understanding of
business dynamics
♦ Presently associated as Relationship Executive with J&K Bank Ltd. in Jammu,
India
♦ Expertise in
o End-to-end branch banking operations
o Conceptualizing new processes as per defined banking standards
o Cross selling of multiple products and generating revenue
o Customer relationship management
o Handling public relations, media etc.

3.  Portfolio Management
 Branch Credit Operations
 KYC | AML
 Process Compliance
 Inspection & Verification
 Lobby Management
 Preventive Complaint
Management
o Corporate responsibilities Viz. Coordinating for Board Meetings, Banker
Committee Meetings, Customer Meets and Retail Meets etc.
♦ Systematic and diligent individual having aptitude towards independently handling
assigned tasks as well as team tasks aimed at achieving organizational goals with
perfection and within budgeted timeframes
♦ Versatile and multi-skilled with ability to manage multiple responsibilities
simultaneously, achieve defined goals & objectives, an effective communicator with
strong analytical, critical problem solving & organizational skills
♦ An experienced Self Starter and Team Manager with keen attention to Organization
needs and details
♦ Exposure to working in multi cultural & well diversified work environments
MANAGERIAL SKILLS

4.  Customer Relationship
Management
 Negotiation Skills
 Liaisoning &
Coordination
♦ Analytical & logical skills
♦ Solution oriented thinking
♦ Time driven delivery ability
♦ Conflict management and resolution skills
♦ Good communication & interpersonal skills
♦ Team management
BUSINESS SKILLS
Banking Operations
 Handling multiple activities in banking operations & achieving budgeted targets
 Scheduling & executing assignments to achieve the pre set goals within time adhering to quality & cost parameters
alongside; Execute plans to streamline banking operations
 Identifying, developing & implementing new initiatives for achieving productivity

5.  Analyzing & reviewing the customer response / requirements and generating process for improving the customer
experience & maintaining compliance
KYC & AML
 Proper monitoring of transactions in accounts and ensuring genuineness of the transactions
 Ensuring there are no money laundering activities taking place
 Updation of KYC and AML alerts within TATs and ensuring proper adherence to compliance process
 Identifying the risk profiles of the customer and ensuring proper due diligence are in place
Compliance Management
 Monitoring & ensuring processes for KYC norms & other statutory requirements
 Investigating incidents of non compliance

6. Customer Service
 Implementing activities to improve customer experience
 Handling customer centric operations as per TATs
 Ensuring customer satisfaction by achieving delivery, service quality norms and high customer satisfaction
matrices by achieving delivery & service quality norms
Corporate Communications & Affairs
 Preparing communications plans for various initiatives including key messages, benefits to stakeholders etc.
 Executing internal and external communications programs to support organizational objectives
 Ensuring consistent and accurate delivery of key business messages across the bank
PR & Media Relations
 Maintaining media relations through news monitoring and analysis, brand communications, media engagement &
content creation

7.  Preparing press invites, press releases and organizing press conferences on a regular and need basis
Event Management
 Coordinating and organizing various events (workshops, seminars & conferences)
 Preparing reports, proposals, presentations etc. for the events
PROFESSIONAL EXPERIENCE
J&K Bank Ltd., Jammu, India 2008 till date
Relationship Executive
Key Accountabilities
 Primary responsibility for handling various activities in branch operations efficiently and as per SLAs
 Be responsible for
o Handling sales of bank products like savings / current accounts, loan products to meet NAV & CIB

8. o Scrutinizing daily reports of day to day activities carried out at branch operations
o Attending to and resolving queries of customers, related to their accounts
o Sales of CASA etc.
o Business mobilisation for branches like advances, fixed deposits for the branch
o All kinds of loans including personal, transport etc.
o Passing of cheques, issuance of demand drafts etc.
o Preparing tax reports, maintaining of number forms including demand drafts,, term deposit receipts etc.
o Payment orders, credit advice, issuance of cheque books, cheque transfers, issuance of debit cards, credit
cards, mobile banking etc.
o Ensuring adherence to KYC & AML before opening of accounts
o Monitoring all transactions of high value for any suspicious transactions and reporting the same to
financial intelligence unit
o Monitoring all inward and outward remittances and verifying the genuineness of the transactions

9. o Monitoring of suspense & dummy Account
o Ensuring maintenance of vault cash within limits of the branch
o Cash and customer transactions at teller counter
o Verifying non cash transactions like Fund Transfer, RTGS/NEFT & DD/MCs etc.; Ensuring reconciliation
o Monitoring and reconciling office A/c's, suspense accounts and GL’s
o Monitoring outstanding Overdrafts and following up with the customers in regularising the same
o Ensuring compliance with predefined rules, regulation and procedures of the bank
o Submission of compliance reports, quarterly and monthly reports(QRS) to corporate office
o Optimum branch merchandising; Ensuring excellent lobby management to provide customer delight
o Handling central office activities like marketing and promotional events, organizing meetings etc.
 Responsible for organising board meetings, state level banker committee meetings, review meetings, customer
meets, retiree meets, review meets etc.
 To generate various MIS reports for review by Branch Manager and Zonal Manager

10.  Comply with reporting methodology with Supervisors on regular as well as on need basis
ACADEMIC CREDENTIALS
 Bachelors Degree in Science ((B. Sc)specializing in Hospitality and Hotel Administration,
Institute of Hotel Management, Catering & Nutrition, Kufri, Shimla, India
 XII Standard, J&K Board of School Education, Jammu, India
 X Standard, J&K Board of School Education, Jammu, India
IT SKILLS & PROFICIENCY
Functional Software Banking Softwares
Operating Systems Windows
Application
Packages
MS Office Suite
Internet Applications & Tools
HOBBIES & INTERESTS

11.  Sports Enthusiast
 Travelling
 Listening to Music
 Expanding knowledge through the Internet
PERSONAL DOSSIER
Date of Birth : 27
th
April 1983
Marital Status : Married
Languages known : English, Hindi, Dogri & Punjabi
Passport No : Indian Passport (Mention Passport details)
Location Preferences : GCC Countries