Kaviyarasi Muniandy
Gelugor,Penang
Summary
Accomplished 14years professional specializing in customer relationship management and banking operations, with proven expertise in cash handling, account opening, and customer support. Demonstrates excellence in customer service through effective sales strategies, complaint resolution, and relationship management. Proficient in Microsoft Office and possesses strong multilingual communication skills, enhancing team collaboration and problem-solving capabilities. Experienced in leadership and mentoring, with a strong ability to analyze market research for strategic growth in the financial services sector.
Overview
4
4
Languages
1
1
Certification
16
16
years of professional experience
Work history
Bank Officer
OCBC Bank
Penang, Malaysia
2015.07 - 2024.08
- Managed daily banking operations following bank policies and procedures.
- Built customer relationships by identifying financial needs and matching suitable banking solutions.
- Processed account-related requests accurately and efficiently, keeping records up to date.
- Resolved customer issues with internal departments to maintain excellent service delivery.
- Achieved individual sales and service targets consistently through proactive customer engagement.
- Maintained high customer satisfaction and service quality standards every day.
- Conducted regular audits, ensuring adherence to bank policies.
- Assisted customers in loan applications to facilitate swift approvals.
- Delivered excellent financial advice for better customer decisions.
- Executed risk assessments for secure financial operations.
- Evaluated client needs and provided tailored financial solutions accordingly.
Bank Teller
Bank Simpanan Nasional (BSN)
Glugor, Penang
2010.04 - 2015.05
- Performed daily cash transactions, deposits, withdrawals, remittances, and payment processing.
- Delivered excellent front-line customer service in a fast-paced banking environment.
- Consistently achieved branch sales targets through effective cross-selling of banking products.
- Selected as the primary Mandarin-speaking presenter for customer roadshows and promotional events.
- Maintained transaction accuracy and compliance with banking procedures.
- Performed daily cash drawer reconciliation to maintain accuracy.
- Boosted client trust with accurate account record maintenance.
- Updated customer databases regularly for up-to-date records.
- Balanced vaults and ATMs, ensuring optimal cash availability.
- Maximised customer satisfaction, educating customers on options for managing financial transactions by leveraging technology, tools and resources.
Independent Financial Consultant
MANULIFE BERHAD
George Town, Penang
2024.08 - Current
- Provided financial consultation and customer advisory services.
- Built and maintained strong customer relationships through personalized service.
- Conducted customer presentations in English, Mandarin, Malay, and Tamil.
- Developed strong communication, negotiation, and client management skills.
- Networked extensively to generate new business opportunities-broadened client base.
- Developed comprehensive financial plans by analysing customer's current situations.
- Advised clients on investment strategies for wealth accumulation.
- Maintained up-to-date knowledge about market trends, ensured informed advice to clients.
- Assisted clients in creating budgets and savings plans for their future needs.
- Managed diverse portfolio of clients providing tailored finance advice.
Education
SPM -
SMK Sungai Ara
Skills
- Customer relationship management
- Banking operations
- Cash handling and transactions
- Account opening and customer support
- Customer service excellence
- Sales and cross-selling strategies
- Complaint resolution
- Relationship management
- Microsoft Office proficiency
- Multilingual communication skills
- Team collaboration
- Problem solving
- Leadership and mentoring
- Market research interpretation
Accomplishments
- BANKING
- Excellent Service Award – Star (2021–2024)
- Excellent Service Award – Gold (2020–2021)
- Excellent Service Award – Silver (2019–2020)
- Silver Award – IT ITIS Codes Implementation (2016)
- LIFFR Individual Award
- MANULIFE
- Manulife Rookie Award –Bronze & Silver (2024)
- Manulife Manustar Award –Gold (2025)
References
References available upon request.
Certification
- FIMM
- PCEI / CEILE
LANGUAGES
English
Mandarin
Malay
Tamil
Timeline
Independent Financial Consultant
MANULIFE BERHAD
2024.08 - Current
Bank Officer
OCBC Bank
2015.07 - 2024.08
Bank Teller
Bank Simpanan Nasional (BSN)
2010.04 - 2015.05
SPM -
SMK Sungai Ara