SARASWATHY NADARAJAH
Googong
Summary
Seasoned banking professional with over13 years of extensive experience in the financial services industry, including9 years as a Collection Officer in Hire Purchase and4+ years of specialized expertise as an AML Analyst. Proficient in Retail and Business Banking operations, regulatory compliance, and administrative management. Demonstrates a strong ability to handle high-volume tasks with precision and efficiency while supporting executive teams and maintaining operational excellence. Expertise includes collections management, customer due diligence (CDD), enhanced due diligence (EDD), anti-money laundering (AML), know your customer (KYC), suspicious activity reporting (SAR), and office administration. Highly skilled in multitasking, streamlining workflows, and delivering results in fast-paced, compliance-driven environments.
Overview
15
15
years of professional experience
Work History
Assistant Manager (Senior Retail AML Analyst)
RHB Bank Berhad
02.2019 - 06.2024
- Conducted end-to-end AML and KYC functions, including customer due diligence (CDD), ongoing due diligence (ODD), and enhanced due diligence (EDD)
- Monitored and analyzed transactions to detect suspicious activity, verifying alerts, and flagging risks
- Investigated and submitted internal suspicious transaction reports (STRs) in compliance with regulatory requirements
- Performed risk assessments and regulated high-risk activities to mitigate financial crime risks
- Conducted sanctions and politically exposed persons (PEP) screening for new and existing clients
- Collaborated with group compliance and business units to resolve compliance hits, including PEP, sanctions, and adverse media cases
- Responded to AML-related regulatory inquiries and supported audits to ensure adherence to compliance frameworks
- Served as a User Acceptance Testing (UAT) for new software, ensuring delivery met business requirements
- Additional Task (UAT Tester)
Collection Executive (Retail Banking)
RHB Bank Berhad
02.2012 - 01.2019
- Oversee the collections process to ensure timely and efficient recovery of payments
- Monitor outstanding balances and implement effective strategies to minimize overdue accounts
- Coordinate with customers to resolve payment issues promptly
- Managed a portfolio of customers’ accounts, ensuring timely loan repayments and minimizing defaults and bad debts
- Contacted customers to negotiate repayment terms, resolve overdue accounts, and implement effective collection strategies
- Perform daily reconciliations of accounts to maintain accuracy and accountability
- Identify and rectify discrepancies in a timely manner
- Prepare and submit reconciliation reports for management review
- Act as the primary point of contact for customers regarding account inquiries
- Foster positive relationships to ensure customer satisfaction and retention
- Proactively communicate and follow up with customers to address concerns or queries
- Adhere to established branch policies, procedures, and regulatory requirements
- Regularly review workflows to identify opportunities for improvement and ensure operational efficiency
- Provide training and guidance to team members to ensure compliance standards are met
- Administrative Support (Various Tasks)
- Handled scheduling, record-keeping, and database management to support operational efficiency
- Assisted in organizing team meetings and maintaining meeting minutes
- Ensured smooth office operations by coordinating supplies, managing correspondence, and supporting staff with administrative needs
Executive (Retail Banking)
MBF Cards Berhad
01.2009 - 02.2012
- Provide expert advice to clients on banking products such as loans, credit card, etc
- Build and maintain strong client relationship through excellent communication, problem-solving, and trust-building skills
- Understand the financial needs and goals of clients and recommend appropriate banking solutions
- Conduct financial assessments, review credit reports, and analyze client’s financial conditions to recommend suitable products or services
- Educate clients on how to manage their finances and use digital banking services
Education
Bachelor of Computing - Computing
Segi College
12.2011
Diploma - Information Technology
Cosmopoint College of Technology
Ipoh, Perak05.2005
Skills
- Strong analytical and organizational skills to manage compliance and administrative tasks
- Extensive knowledge of AML regulations, KYC processes, and office management tools
- Proficient in document preparation, data entry, and maintaining compliance records
- Strong understanding of collections and reconciliation processes
- Excellent communication, and decision-making skills
- Skilled in multitasking, time management, and problem-solving under high-pressure scenarios
Languages
English, Tamil, Malay: First Language
Timeline
Assistant Manager (Senior Retail AML Analyst)
RHB Bank Berhad
02.2019 - 06.2024
Collection Executive (Retail Banking)
RHB Bank Berhad
02.2012 - 01.2019
Executive (Retail Banking)
MBF Cards Berhad
01.2009 - 02.2012
Diploma - Information Technology
Cosmopoint College of Technology
Bachelor of Computing - Computing
Segi College
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