Jessy Dsilva

Joined as KYC (Know Your Customer) at a company like CRED, a financial services platform, involves a series of operations to verify the identity and financial background of users before allowing them access to services. Here’s a breakdown of the KYC operations at CRED: Data Collection: User Information: Collection of personal details such as name, date of birth, address, and contact information. Document Submission: Users are required to submit government-issued ID proofs like PAN card, Aadhaar card, passport, etc., to verify their identity and address. Identity Verification: Automated Verification: Use of technology to cross-check the submitted documents with government databases to ensure authenticity. Manual Review: If automated checks raise red flags or if the documents are unclear, a manual review is conducted by the operations team. Financial Verification: Credit Score Assessment: CRED checks the user’s credit score from authorized credit bureaus to ensure they meet the platform's eligibility criteria. Bank Account Verification: Users may need to link their bank accounts to the platform, which involves verifying account details to prevent fraud. Risk Assessment: Fraud Detection: The system checks for potential fraudulent activities by analyzing patterns and discrepancies in the provided information. Compliance Checks: Ensuring that the user complies with all legal and regulatory requirements, particularly in areas related to anti-money laundering (AML) and counter-terrorism financing (CTF). Approval or Rejection: User Onboarding: Once the user’s identity and financial background are verified, they are approved and granted access to the platform’s services. Rejection and Appeals: If the user fails the KYC checks, they may be rejected or asked to provide additional documentation. The user may have the option to appeal the decision.

• Performed end-to-end KYC verification for individual and business customers in compliance with RBI and internal regulatory guidelines, processing 100–140 cases/day. • Conducted thorough document review (ID proof, address proof, financial statements, business documents) to ensure authenticity and accuracy with >96% QA accuracy. • Ensured timely on-boarding of customers while maintaining high accuracy and adherence to SLA & TAT requirements. • Collaborated with risk, compliance, and product teams to resolve discrepancies, escalate red-flag cases, and improve KYC workflows. • Maintained accurate records, audit trails, and documentation to support regulatory audits and internal reviews. • Identified process gaps and contributed to automation and SOP enhancements to improve operational efficiency. • Handled periodic KYC refresh and re-verification for existing customers based on risk categorization. • Ensured strict compliance with RBI KYC Master Directions and company’s risk and compliance framework. • Provided training and support to new team members on KYC standards, systems, and operational best practices.

KYC (Know Your Customer) at Federal Bank involves a process where the bank verifies the identity and address of its customers. This is a regulatory requirement to prevent financial crimes such as money laundering, identity theft, and terrorist financing. Document Submission: Customers must provide valid identity and address proof documents. Commonly accepted documents include Identity Proof: Aadhaar card, PAN card, Passport, Voter ID, Driving License. Address Proof: Utility bills, Passport, Aadhaar card, Rent agreement, Bank statement. In-Person Verification: In some cases, the bank may require the customer to visit a branch for physical verification or may send a representative to the customer’s address. Online KYC (e-KYC):For convenience, Federal Bank also offers e-KYC services where customers can complete the KYC process online through Aadhaar-based verification. Periodic Updates: Customers may need to update their KYC details periodically, especially if there are changes in their address, name, or other significant personal details.

• Performed non-documentary Customer Identification Program (CIP) on domestic customers in accordance with Federal Bank policy and RBI regulations; handled 80–100 cases/day within SLA. • Improved and implemented customer risk rating criteria with KYC management for enhanced risk profiling. • Verified customer identity and address documents (PAN, Aadhaar, Pass-port, Driving License, Utility Bills) as per Federal Bank’s KYC and RBI guidelines. • Verified customer identity using public records, financial databases, and other resources to prevent fraud. • Checked validity and completeness of submitted KYC documents with >95% accuracy. • Ensured KYC policies were properly implemented across all customer documents. • Validated customer documents, provided next-step recommendations to KYC management, and escalated issues as appropriate. • Served as point of contact for KYC and reporting issues for designated customers. • Maintained zero critical audit findings during tenure through strict adherence to regulatory standards.

A Pre-Sales Executive at Sobha is responsible for assisting the sales team in acquiring new clients and maintaining relationships with existing ones. This role involves understanding customer requirements, presenting solutions, and ensuring a smooth transition from initial contact to the sales closure. Client Engagement: Engage with potential clients to understand their needs and preferences. This involves communicating the features, benefits, and advantages of Sobha's products or services. Product Presentation: Prepare and deliver presentations, demonstrations, and proposals to prospective clients. The Pre-Sales Executive needs to clearly articulate the technical details and value propositions of Sobha's offerings. Collaboration with Sales Team: Work closely with the sales team to develop and implement effective strategies for closing deals. This includes providing necessary technical and product-related support during the sales process. Market Research: Conduct market research to identify potential customers, understand market trends, and analyze competitor offerings. This information is crucial for tailoring the sales approach to meet market demands. Proposal Preparation: Assist in creating detailed proposals and quotations, ensuring that all customer requirements are addressed. The Pre-Sales Executive ensures that the proposals are aligned with company standards and customer expectations. Customer Follow-Up: Regularly follow up with clients post-presentation to address any questions or concerns, and to move them closer to making a purchase decision. Training and Knowledge Sharing: Continuously update knowledge of Sobha’s product offerings and market trends. Share insights and updates with the sales team to improve overall effectiveness.

A Business Development Executive at Talent Serve plays a pivotal role in driving the company's growth by identifying new business opportunities, building and maintaining relationships with clients, and crafting strategic partnerships. Their key responsibilities include researching market trends, creating and executing business strategies, and negotiating deals. They work closely with the sales and marketing teams to develop and implement plans that align with the company’s goals, ensuring a steady pipeline of clients. Additionally, they are responsible for maintaining a deep understanding of Talent Serve's services, understanding client needs, and providing tailored solutions to drive business growth. Strong communication, negotiation, and analytical skills are essential for success in this role.

CGPA: 9.0