Yamini Bhardwaj
Singapore
Summary
Reliable business professional with experience in project management, process improvement and financial analysis. Proven track record of successfully streamlining business operations and reducing costs. Adept at analyzing data to identify trends and developing strategies to improve efficiency.
Overview
10
10
years of professional experience
Work History
Senior Business Consultant
ITCAN PTE LTD (for Cognizant Technical Solutions and UOB)
10.2022 - Current
- Achieved optimal process efficiency by validating business requirements with legal and compliance teams (for Retail, Wholesale and Asset Management segments)
- Reduced risk exposure through stakeholder guidance on automation strategies and processes.
- Ensured project success by aligning solution architects with business user needs.
- Planned, designed, and scheduled phases for large projects.
- Streamlined vendor engagement to meet performance standards and deliverable expectations.
- Assessed 350+ systems to define optimized solutions and understand change impacts.
- Coordinated with IT teams to align technology solutions with strategic business objectives.
Senior Business Consultant
Ernst & Young LLP (for Bank of America and JP Morgan Chase)
05.2021 - 09.2022
- Achieved user adoption of AML platforms, implemented across NA, APAC and EMEA regions.
- Improved the efficiency of customer/enhanced due diligence processes by automating manual tasks, reducing human error and expediting case resolution times.
- Developed and maintained documentation for transaction monitoring processes and findings.
- Coordinated cross-functional teams and resolved conflicts, maintaining a positive work environment throughout the project lifecycle.
- Conducted thorough testing of systems to ensure reliability and performance standards were met.
- Assessed project risks, tracked milestones, and reported progress to senior stakeholders.
- Executed UAT planning and ensured business users signed off on test cases.
- Conducted quality assurance on CDD and EDD test case reports effectively.
Senior Credit Assessment Officer
AUSTRALIA AND NEW ZEALAND BANKING GROUP LTD. (ANZ)
06.2013 - 07.2017
- Ensured compliance by assessing small business loan applications using 4 C’s.
- Analyzed financial documents to evaluate borrowing entities' financial health and performance.
- Validated KYC documents and monitored transactions for AUD 1 million credit decision.
- Investigated high-risk clients, reporting issues related to AML and loan defaults.
- Assessed liquidity risks linked to collateral assets in financing requests.
- Collaborated with staff to enhance service quality for end customers.
Credit Coach (Step-Up Role)
AUSTRALIA AND NEW ZEALAND BANKING GROUP LTD. (ANZ)
03.2016 - 08.2016
- Reduced team rework errors by 70% within two months through effective coaching.
- Trained team on top error areas, leading to significant process improvements.
- Collaborated with quality control to implement assessment checklist for enhanced accuracy.
- Initiated tool improvements in the auto approval process to streamline operations.
- Executed multiple process updates, enhancing overall team efficiency.
Analyst
AUSTRALIA AND NEW ZEALAND BANKING GROUP LTD. (ANZ)
06.2013 - 12.2014
- Delivered exceptional L2 & L3 application support for maintenance tasks.
- Reviewed loans and KYC documents to prepare legal mortgage documentation.
- Ensured timely, high-quality service for commercial clients, exceeding expectations.
- Streamlined Quality Control processes through collaboration with Melbourne production teams.
- Resolved process shortfalls by conducting sessions with frontline managers.
- Analyzed data trends to support strategic decision-making and improve business outcomes.
- Mentored junior analysts, fostering skill development and promoting best practices within the team.
Lecturer
INTERNATIONAL INSTITUTE OF BUSINESS STUDIES
06.2012 - 06.2013
- Worked as a lecturer for BCA and MBA IT-specialization
- Conducted Value added programs for students.
- Conducted in-house training programs on Communication skills and presentation skills.
Education
MBA - Business Administration
International Institute of Business Studies
IndiaBachelor of engineering - CSE
Visvesvaraya Technological University
IndiaSkills
- Business analysis
- Budget planning
- Data analytics
- Digital transformation
- Systems analysis
- Project management
- Change management
- Team collaboration
- Agile methodologies
- Project documentation
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Senior Business Consultant
ITCAN PTE LTD (for Cognizant Technical Solutions and UOB)
10.2022 - Current
Senior Business Consultant
Ernst & Young LLP (for Bank of America and JP Morgan Chase)
05.2021 - 09.2022
Credit Coach (Step-Up Role)
AUSTRALIA AND NEW ZEALAND BANKING GROUP LTD. (ANZ)
03.2016 - 08.2016
Senior Credit Assessment Officer
AUSTRALIA AND NEW ZEALAND BANKING GROUP LTD. (ANZ)
06.2013 - 07.2017
Analyst
AUSTRALIA AND NEW ZEALAND BANKING GROUP LTD. (ANZ)
06.2013 - 12.2014
Lecturer
INTERNATIONAL INSTITUTE OF BUSINESS STUDIES
06.2012 - 06.2013
MBA - Business Administration
International Institute of Business Studies
Bachelor of engineering - CSE
Visvesvaraya Technological University