Rachel Manjula Atharamalai

• Maintained customer service excellence, greeting and serving our customers with the highest service standards
• Managed customer queries, issues, feedback and complaints with appropriate advice
• Adopted needs-based approach to provide recommended solutions for retail banking products to meet customer's financial needs
• Understand and exercise Know Your Customer and Customer Due Diligence procedures when onboarding customers to ensure they are suitable clientele for HSBC
• Being a digital banking champion through promoting and educating our customers in using self-service channels such as Internet Banking, Phone Banking and Automated Teller Machines
• Identifying our customers’ wealth, protection and home loan needs and refer them to appropriate officers
• Ensure data entry and operational transactions are executed expeditiously, with minimal errors and in compliance with audit and statutory guidelines
• Attend to the operational needs of the branch and business where required by line managers or Branch Director
• Proven sales experience in last 4 years as a UBA
• Excellent interpersonal and communication skills, coupled with adaptability and willingness to learn
• Highly driven to excel in both customer service and sales, thriving in a focused and fast paced environment
• Promoted good customer relations with both Premier & Personal Banking customers satisfaction by demonstrating friendly demeanor and can-do attitude.
• Assisted customers with the right attitude.
• Opening Accounts for both local & foreigners.
• Placing Time Deposits (SGD & FCY)
• Assisting customers with Credit Cards, Personal Loan Application & Debt Consolidation Plan.

• Greet customers according to the service standards and build rapport with walk in customers to make them feel welcome
• Maintains a professional image both in dress and demeanor when attending to customers.
• Be kept updated on products, services, marketing program, and eChannels
• Responding to handle customers' enquiries and issues and feedback
• Educating and encourages customers to use self-service channels, and quick cheque deposit box
• Make sure the facilities and premises are in good working order, maintained tidy and presentable at all times and all brochures or marketing displays are in line with merchandising
• Attending to enquiries and direct customers to the appropriate staff, whilst managing the customer queue to ensure that customers are attended to within the service standard.
• Achieve a high service standard by ensuring efficient and quality service to customers
• Maintain HSBC internal control standards, including the timely implementation of internal and external audit points together with any issues raised by external regulators
• Maintain a high standard of operational and risk compliance by ensuring that standards and workflow are in continuous adherence to Group Standards and local regulations
• Improve customer experience by highlighting the needs and existing deficiencies of customers
• Provide administrative and logistic support

• Handle Cash Float within Branch
• Perform customer transactions
• Handle Cash Indent and Return
• Perform daily cash reconciliation
• Handle Feedback and other reporting/surprise checks for Teller cash boxes

• Handling cash deposits and withdrawals
• Foreign currency exchange
• Encashment of Cheques
• Cash Advance
• Assisting customer's' enquiries

Customer Service Counter

• Buying/Selling Foreign Currencies
• Handling Outward Telegraphic Transfer
• Preparing of Demand Drafts
• Issuing and Encashment of Travelers' Cheques
• Foreign Currency Cheques Deposits
• Money Transfers (Moneygram and Wester Union)
• Promoting Prepaid Cards
• Provided sales and customer service assistance to walk-in Customers
• Handling large amount of Local & Foreign Currencies
• Dealing with Money Changers for their Foreign Exchange

Back Office Duties:

• Preparing of Local and Foreign Cheques
• Batching Traveler's Cheques for collection
• Day-end balancing and Printing of Report

Reason for leaving: Closure of Retail Foreign Exchange Department

Clearing Department:

• Clearing of Cheques
• Inward and Outward returned cheques
• issuing of Cheque Books
• Liaising with Customers and Banks with regards to queries on cheques
• Day-end balancing and month-end Reports

Remittance Dept:

• Handling of inwards and outward telegraphic transfers
• Standing Instruction, Cashiers' Order, Gift Vouchers
• Foreign Currency Current Account
• Fixed Deposit, Fund Transfer
• Month-end balancing and Reports

Customer Service Counter:

• Handling cash deposits and withdrawals
• Foreign Currency Exchange
• Encashmente of Travelers' Cheques
• Cash Advance
• All other enquiries at the front line counter and day-end balancing

Reason for leaving: Career Advancement

• Handling Residents' Enquiries, Reservations of Halls, Booking of Facilities, complaints
• Preparing Invoices
• Issuing cheques for payment to creditors/staff payroll
• General Administration, Typing of Letters, Filing of Documents

Reason for leaving: Career Advancement