This document provides a curriculum vitae for Ramakrishnana/l Govindan including personal details, academic and employment history, roles and responsibilities in previous positions, and references. It details his experience working in operations, management, and compliance roles for banks from 1985 to the present. His most recent role is as a Senior Manager supervising daily staff and monitoring performance metrics at Scope International.

1. CURRICULUM
PERSONAL DETAILS
NAME : Ramakrishnana/l Govindan
ADDRESS(HSE) : No.88, JalanPrimaSaujana1/4J, PrimaSaujana,Section1
43000 Kajang
(OFF) : StandardCharted(Scope International (M) SdnBhd
TELEPHONE (HP) : 013 3979506
D.O.B. : 21-01-1965
SEX : Male
RACE : Indian
RELIGIOUS : Hindu
MARITAL STATUS : Married
ACADEMIC RECORD
1984 : SPM(Sek.Men.Sri Ampang
1990 : DiplomainBusinessManagement
Others : FIMM (UNITTRUST CONSULTANT).
COMPUTER KNOWLEDGE
1. MicrosoftWords
2. Excel
3. Lotus
WORKINGEXPERIENCE
1985-Mid 1997 : PerwiraHabibBankBerhad
KL (Batu CantonmentBranch,JalanIpoh)
POSITION : - 12 years(from1985-1997) Officer2
- OperationDepartmentatBranch
- Handle S/A,C/A,F/D(Opening&Closing)
- In-charge of customersstatement
- Handle customer’senquiriesandcomplaints
- Handle cash(CIT),Chief cashier

2. - CheckingTeller’sCashBalancing
- BillsDepartment
Handle Inward/Outwardclearingcheque forBranch
1997 to February2006 : AffinBankBerhad(AssistantManager)
Raja Chulan(SpickProcessingCentre),KL
POSITION : (1997-Feb 2006)
Rank – Asst.Vice President2
- Processingof KLCHCheques
- 15 Downline staff (Operator’s)
- Monitorstaff performance ondaily
- Total Branch’s undersupervisionis43 Branches
- VerifyInwardclearingcheques
- DownloadingData(BNMfile)
- End Day Balancingchequesagainstreports
- Performadministrationtask
- Printdailyreports
February2006
TransferredtoTaman Maluri Branch as
AssistantBranchManager
January2007 – promotedas Manager, Branch Services,
Taman Maluri Branch
- Managing(A) Branch – KlangValley
- ManagingSales/OperationTeam
- Numberof staff 10
Branch Deposit
- Retail – Targetachievedfrom2007 – 2014
(Branch Depositfrom35mil-159mil)
- Corporate Accounts – 60-75% achieved
CreditCard – 40%, DebitCard70%
Loan (Mortgage) 40%
August2015 Dec 2015 (3 months)
TransferredtoKajangBranch – To handle more
Corporate and Governmentaccounts.
Withnumberof staff 14 (sales(1) andoperations)
Deposit:
Retail – 45%
Corporate – 30%

3. Mortgage – 15 %
Creditcard – 5%
DebitCard – 90%
Roles& ResponsibilitiesasManager Branch Services:
Financial:
a. Managing Branch OperatingCost,Productivity
Initiatives,LiabilitiesManagement(Monthly)
b. Branch deposits(SA,CA &FD) & otherproduct –
Mortgage,Credit/DebitCards.WealthManagement
& Fee Base as per targetgiven.
Customer
a. CustomerService (complaints).Complaint
escalation&resolution(within2days)
b. Timeline reportsubmission(internal &external)
c. Reconciliation(Daily/Monthly)
d. No SSLoutages(ATM, CDM& CDT machines)
e. Branch ReadinessforBusinessandTimelinessin
closingBranch
Process:
a. MaintaingoodAuditrating
b. Operational lapses/losses/fraudreporting,near
misses – 24 hournotification&OpRiskandFLOR
submissionwithin2days
Process
Act as Branch Compliance Officerandassume the responsibilitiesasrequiredunderBNM’s
Anti MoneyLaunderingGuidelines
Objective ofKYC/CDD
* To predictwithrelative certaintythe typesof transactionsinwhichacustomerislikelytoengage
* Thisassistsindeterminingwhentransactionsare potentiallysuspicious.
VerificationofDocument
- Acceptable DocumentsforIndividual Customers
* NRIC/Passport
* AnyOtherOfficial documentsbearingthe photographof the customer,satisfiedwiththe authenticity
of the document.
* If biometricIDisused,verificationrequirementdeemedtohave beenfulfilled. Nophotocopyof ID is
necessary
* If there isdoubt – require the customertoproduce othersupportingofficial identificationdocuments
bearinghis/herphotograph.

4. High Risk Countries
* BlacklistCountries
* Iran(since 2009)
* DemocraticPeople’sRepublicof Korea(since 2011)
* GreyList Countries(asatMay 2015) FATF
* Algeria
* Ecuador
* Myanmar
* Vanuatu– by APG
* BosniaandHerzegovina–by MONEYVAL.
CDD – Legal Person/Corporate Customers
* Memorandum/Article/Certificate of Incorporation/Partnership
* NRIC/Passport–Directors/Partners/Shareholders
* Authorisationforanypersonwhorepresentthe company/business.
* AdditionalInfo –e.g.beneficial owner,source of funds.
SpecificCDD Measures –
Individual Customers/Beneficial owner
* Full name
* NRIC/passportnumber
* Address(permanent&mailing)
* Date of birth
* Nationality
* Occupationtype
* Name of employerornature of self-employment/business
* Contactnumber(home,office ormobile)
* Purpose of Transaction.
CustomerDue Diligence (CDD)
3 Elements
* Identification –Identify,SightIDdocument
* Verification –Take copy of ID document
* On-GoingDue Diligence –Reviewandupdate profile,TransactionMonitoring.
Enhance Due Diligence
* Customersassessedashigherrisk
* ForeignPEPs
* OtherPEPsassessedashigherrisk
* Customersfromhighriskjurisdictions(blacklist)
* Customersfromhighriskjurisdictionsassessedashighrisk(greylist)
* ObtainCDD information
* Obtainadditional information(estimatedvolumeof asset)
* Inquire source of wealthorfunds(inthe case of PEPs both)
* Obtainapproval of SeniorManagement.
Enhanced Due Diligence (EDD)

5. CDD : Verification
1. EstablishingBusinessRelations
2. Money Changing/Wholesalecurrencyof RM10,000 and above
3. Wire transferof RM3,000 and above
4. Occasional TransactionsinvolvingRM50K
5. Cash transactioninvolvingRM50K and above
6. It has suspicionof ML/TF
7. It has doubton veracity& adequacyof previousobtainedCDDinformation.
Customerpose High MoneyLaunderingrisks :-
-Highnetworthindividuals
-Non-Residentscustomers
-PEPs(PoliticallyExposedPerson)
-Fromlocationsknownfortheirhighratesof crime.
-CountrieswithinadequateAML/CFTlaws&regulation.
SubmissionofSTRs – inputsummarizedas follows:
-Nature of business/occupation.
-Name underPersonconductedthe transaction(PCT)
-FrequencyunderTransaction.
-TransactionDate
-Groundsforsuspicion
-Descriptionof suspectedcriminalactivity
-Detailsof the nature andcircumstancessurrounding
-Immediate responsefromCustomerasBranchconduct CustomerDue Diligence
in the course of enquire aboutthe suspicioustransaction.
-Submissionof Complete STRformto Head,Branch OperationforonwardsubmissiontorelevantLaw
EnforcementAgenciesBNM.s
Report:
-DailymonitorAMLA report- Large amount dailytransaction CA/SA,Mortgage Loan settlement,Hire
Purchase settlementetc.
Briefing:
QuarterlyconductAMLA briefingandmustbe recordedthe attendance
Others
a. Act as Branch Operational RiskCoordinator
b. DailyMonitorFinancial Exchange Administration(FEA)
c. Adhere toBank’sCompliance
d. AppointedasBranchSafetyandHealthCommittee Member (SHC)
People Development:
a. Staff performance/development&trainingskills
b. Staff SuccessionPlanning/CareerDevelopment
c. Manage Staff Productivitydaily

6. January2016 – Present
StandardChartered – Scope International (M) SdnBhd
As SeniorManager
1. Supervisingdailystaff onduty:
- 6 managersonduty
- 34 operatorsonduty performingdailywork
2. DailymonitorDashBoard
- staff performance
- Numberof itemsprocessedbyCentre
- Turn AroundTime (TAT) (peritemprocessed)
- MonitorError byindividually(Operator)
- Verifyreport–itemreceivedandprocessed
3. MonitorTransactions:
OTT Payment– Countries
(SG/HK/MY/UAE/QR)
4. ITT Payment
- My
5. Inwardclearingcheque processing
- MY
OtherResponsibilities:
a. AMLA Reporting
b. Financial Exchange Administration
c. Bank Compliance
REFERENCE : AffinBank – Ms Rozilawati (0126707574)
StandardChartered – Mr Baskaran (012 2441335)
EXPECTED SALARY : RM7,000.00