rambh1

Anti Money Laundering

Linkedin

 

My name is Ram Bhayani. I am a dedicated finance, banking, retail operations, and compliance professional from India with over 12 years of experience in banking operations, customer service, financial compliance, retail store management, and business operations. I have hands-on experience in KYC, AML processes, cash handling, account operations, POS systems, inventory management, SKU management, team coordination, and delivering excellent customer experiences.

Recently, I completed a Diploma in Anti-Money Laundering (AML) and expanded my knowledge in cryptocurrency, Web3, blockchain technology, digital asset compliance, AI, and machine learning. I am passionate about financial crime prevention, regulatory compliance, and emerging fintech technologies.

I am currently looking for opportunities in the UAE and Canada in AML/KYC Compliance, Banking Operations, Crypto Compliance, Digital Asset Operations, Risk & Compliance, Retail Operations, Customer Success, or Business Operations, where I can contribute my experience while continuing to grow in the fintech and digital assets industry.

Experience: 10 years

Yearly salary: $10,000

Hourly rate: $35

Nationality: 🇮🇳 India

Residency: 🇮🇳 India

Experience

Area Sales Manager (Cluster Operations Head)
Bajaj Finance Ltd
2024 - 2025
Oversaw operations across 3 branches simultaneously, managing Relationship Managers and field associates in a fast-paced, KPI-driven environment. Conducted monthly process audits and financial reviews — identified and resolved operational inefficiencies, improving branch profitability. Spearheaded recruitment, onboarding, and structured training of new team members; resolved operational conflicts and raised team productivity. Zero compliance breaches across all disbursement, documentation, and reporting activities throughout tenure.
Territory Manager (Multi-Cluster Operations)
Mahindra Home Finance
2023 - 2024
Managed full operations across 5 branches — daily KPI monitoring, workforce deployment, and performance tracking for large cross-functional teams. Designed and delivered training modules for sales and operations teams — measurably improved sourcing quality and faster issue resolution. Implemented data-driven strategies that increased market share and consistently exceeded regional volume targets.
Sales Manager – Operations & Team Lead
Aditya Birla Capital Ltd
2020 - 2023
Led a team of 4 Sales Relationship Officers; oversaw daily operations, performance coaching, and workflow management in lending environment. Ensured seamless disbursement processes with zero compliance breaches — achieved timely closures and superior reporting accuracy. Developed builder and connector networks, driving consistent pipeline growth above quarterly targets.
Area Sales Manager – Multi-Branch Operations
Incred Financial Services
2019 - 2020
Managed end-to-end operations and sales across multiple branches — recruited, onboarded, and supervised SMs, DSAs, and field associates. Held cheque signing authority; ensured compliance, quality, and speed across the full disbursement fulfillment chain.
Territory Manager – Branch Operations
ICICI Home Finance
2018 - 2019
Drove branch operations and customer acquisition through strategic partnerships; streamlined technical and legal processes for faster turnaround.
Sales Manager / Branch Operations
Indiabulls Housing Finance
2017 - 2018
Managed complete branch sales operations; built the highest number of Business Associates in the regional network.
Credit & Risk Manager
AU Small Finance Bank | Religare Housing Finance | HDB Financial Services | Shubham Housing Finance
2012 - 2017
Conducted in-depth credit appraisals, financial analysis, and risk due diligence across multiple product lines with individual sanctioning authority up to ₹15 Lacs. Supervised Relationship Officers and Credit teams; ensured compliance, smooth disbursements, and strong KYC/customer relationship management.

Skills

accounting
fintech
sales
salesforce
operations
english
hindi
Create Profile Hire Operations Experts