Abraham Arul Raj S

Stock Transfer Analyst

Key Responsibilities:

• Process and reconcile domestic and international stock transfer requests in compliance with regulatory requirements and internal policies.
• Maintain accurate records of shareholder transactions, including transfers, issuances, redemptions, and conversions.
• Liaise with clients, custodians, and registrars to resolve discrepancies or missing documentation.
• Monitor and execute settlements, ensuring adherence to market deadlines.
• Investigate and resolve failed trades or settlement mismatches promptly.
• Prepare and maintain daily, weekly, and monthly transfer and reconciliation reports.
• Ensure strict compliance with data security and confidentiality requirements.
• Support process improvement initiatives to enhance efficiency and reduce operational risk.

Key Achievements:

• Recognized by Director for Creating Consolidated EOD Report, improving process accuracy, and saving significant processing time, Quality control check helps to avoid errors in BAU.
• Designed and implemented a Monthly MI report, enabling better performance tracking and data-driven decision making.
• Worked on automation and STP implementation, reduced total cycle time, and improved operational efficiency.
• Reduced stock transfer processing errors by 0% through implementation of quality control checks.
• Streamlined reconciliation process, cutting turnaround time from 36 days to 22days.
• Successfully handled 80 million high-value transactions with zero compliance breaches.

• Conducted cash handling operations, including NEFT, RTGS, DD processing, fund transfers, and cheque clearing.
• Managed customer static data changes within internal banking solutions systems using Image Workflow Process (IWF) tool.
• Oversaw customer account management activities such as account openings, closures, and maintenance.
• Provided front-line support to walk-in customers, addressing inquiries, and offering information on banking products and services.
• Administered back-end tasks involving KYC verification, data entry, and safe locker management.
• Utilized Microsoft Office Suite and Flexcube Core Banking Solution for efficient branch banking operations.
• Ensured all transactions are handled with accuracy in a timely manner and handled customer deliverables, storage as per guidelines.
• Managed end-to-end jewel loan processing utilizing LEAPS system, ensuring seamless application processing, collateral management, and loan disbursement while adhering to regulatory requirements.
• Utilized Client Connect tool to effectively convert leads into customers, enhancing customer acquisition and retention rates by streamlining communication and relationship management processes.
• Leveraged Flexcube FINACLE and Branch Connect for core banking solutions to optimize branch operations, streamline transaction processing, and enhance customer service delivery.
• Orchestrated transaction initiation workflow process for foreign remittances, ensuring compliance with international regulations and internal procedures while minimizing processing time and costs.
• Implemented Image Workflow Process (IWF) for static data change processing, enhancing efficiency and accuracy in managing customer information updates and maintaining compliance standards.
• Conducted rigorous customer due diligence (CDD) during the account opening process, ensuring compliance with AML/KYC regulations and mitigating risks associated with fraudulent activities.
• Led enhanced due diligence (EDD) procedures for high-risk customers, conducting thorough assessments and implementing risk mitigation strategies to safeguard the bank's interests and reputation.
• Provided expert assistance in the application process for IPOs to bank customers, offering guidance on investment opportunities and facilitating seamless transaction execution.
• Processed cheques/withdrawal forms, DD-PO, Transfer cheques in a timely manner, Static data related and other financial transactions are raised in respective workflows in adherence to process.
• Supported the branch team in call logging for system related issues and support the branch premises upkeep and maintenance.
• Followed up on locker rental recovery as and when assigned within the timeline and maintained distribution and retrieval of keys according to established protocols, ensuring accountability and traceability at all times according to key handling guidelines.
• Supported the team and branch operations manager to record and resolved complaints and helped to address complaints in a timely manner, worked on strengthening the TAT to improve customer efficiency to help achieve business goals.

• Led daily cash reconciliation for mutual funds (State Street Bank Books vs. cash ledgers), investigated breaks related to trades, corporate actions, derivatives, FX, and allocations, and escalated issues to relevant departments like Accounting, Control, Custody, and Oversight.
• Ensured accurate netting of fund subscriptions/redemptions in Multi-Currency Horizon (MCH), manually processed cap stock entries in UCM, and monitored FX repatriations—advising accounting teams to process transactions correctly.
• Played a pivotal role in transitioning operations from State Street Syntel Services (Pune) to HCL Services in Coimbatore over a 3-month period. Authored and maintained SOPs to onboard and guide new team members.
• Developed daily MIS and End-of-Day (EoD) reports summarizing volumes, currency balances, and variances for client review. Regularly conducted feedback calls with sensitive clients and updated onshore stakeholders accordingly.
• Used Bloomberg for exception resolution and validations, assisted colleagues with complex queries, and coordinated with Oversight and swap processing teams to ensure reconciliations were accurate and within tolerance.