Purnita Kaur Saini
Client Account Manager
Summary
Client account management professional with proven track record of enhancing client relationships and driving team collaboration. Highly reliable and adaptable to changing business needs. Skilled in strategic planning and problem-solving, consistently focusing on achieving outstanding results.
Overview
21
21
years of professional experience
5
5
years of post-secondary education
5
5
Certifications
Work History
Client Account Manager
UBS AG
06.2024 - Current
- Continuation of relationship management responsibilities post-merger with Credit Suisse, focusing on a seamless transition for high-net-worth clients.
- Provide end-to-end support to Relationship Managers, ensuring consistent service quality and compliance in line with UBS standards.
- Facilitate portfolio reviews, investment proposals, and account services while adapting to UBS systems and protocols.
- Maintain client confidence by ensuring minimal disruption in service delivery and proactively addressing any queries or transition concerns.
- Collaborate with global teams to uphold cross-border compliance and deliver timely client solutions.
Assistant Relationship Manager
Credit Suisse AG
10.2018 - 06.2024
- Assist RMs with pre-account opening tasks such as completing KYCs (conducting the World Checks, Factiva, Open Media etc.) and submitting PEP, RRRP to obtain account approval from management and LCD.
- Assist RMs in the efficient planning of client visits & business travels (relevant documents including addressing outstanding formalities)
- Collaborate pro-actively with Account Management in Zurich and Singapore to open new accounts and enquire about their status.
- Assist RMs in creating proposals using internal systems, appropriate portfolio simulation tools, and sales support resources (lead offering, risk, research).
- Monitoring client accounts on regular basis to ensure client instructions such as fund remittances, trade orders, loan rollover, and deposits are carried out in a timely and accurate manner.
- Efficient reporting of trades, transactions, payments, remittances etc. along with effective documentation in pertinent internal systems.
- Accurate documentation and timely completion of annual KYC and PEP reviews.
- Aware of the bank anti-money laundering policies and processes, as well as local regulations, internal guidelines for client due diligence and other regulations.
- Prompt escalation to FLDS/ LCD in cases of irregular business, unusual transactions, complaints, adverse news etc.
- Ensure complete compliance with cross border rules of engagement as well as adherence to each country's local policies and regulations.
- Coordinate with various account services teams in Zurich and Singapore, including treasury, trading, loan support teams and compliance departments for account opening, account functioning, and order processing.
- Advanced knowledge and experience in all front office applications used by Credit Suisse Private Bank.
- Assist the team by acting as a backup for other members and taking on ad hoc duties and responsibilities.
- Handling and assist RMs in resolving client complaints in a timely & effective manner as per CBB requirements.
CITI-GOLD ASSISTANT RELATIONSHIP MANAGER
Citibank N.A
10.2004 - 09.2018
- Company Overview: International Personal Banking
- Establish, maintain and increase relationships with high-net-worth individuals by providing best in class customer service.
- Assist clients based in Bahrain, Kuwait, and Qatar with processing of transactions and end to end handling of queries.
- Assist Citi gold Relationship Managers to deliver new assets to Citibank either through previously held relationships or by individual skills in developing new accounts.
- Assist Citi gold relationship managers with all the requisite documentation (Mutual Funds, Bonds, Insurance, Deposits, Loans, Leveraged loans, and Retail banking products.
- Raise credit approvals to the credit team for margin lending, leveraged loans, overdraft facilities after assessing client leverage eligibility using a wide range of calculation methodologies (e.g., Loan to Value, Haircut etc.)
- Liaise with clients to address margin calls and margin erosion to ensure loans are optimally collateralize as per the bank's lending program by monitoring the percentage of margin erosion versus the pre-approved loan to value.
- Ensure full compliance to Rules of Engagement and adherence to all KYC, AML policies and comply with local policies and regulations.
- Assume full responsibility to handhold complex transactions, track deviations and deferrals to closure as per approved timelines.
- Document handling and control to provide sufficient safeguards, internal controls over clientinitiated documents & protect client confidentiality.
- Regularly review compliance related deliverables, highlight to relationship managers immediate action points.
- Assist relationship manger with updates for providing disposition of specific cases /transactions.
- Prepare a daily MIS with data on transaction documents, incoming funds, client queries, resolution and follow ups.
- Ensure compliance with security and banking policies and guidelines in banking assistant functions.
- Review and conduct voice recorded confirmations with clients for various financial transactions to ensure ‘zero error' in final document submission and minimize risk.
- Handling and assist RMs in resolving client complaints in a timely & effective manner as per CBB requirements.
- Actively assist, train and guide team members especially new SRMs in the art of delivering exemplary customer service and the importance of being a team player.
- International Personal Banking
Education
Masters in Management Studies - Finance
G. N. Institute of Management Studies, The University of Mumbai
01.2002 - 01.2004
Bachelor of Commerce - undefined
K. J. Somaiya College of Arts & Commerce, the University of Mumbai
01.1999 - 01.2002
Skills
Service excellence
Customer relationship management
Enhancing customer engagement
Collaborative team management
Organizational time strategies
Certification
IWM One Curriculum for ARM Exam – Credit Suisse
Accomplishments
- Presented on numerous occasions with the 'Citibank Excellence Award' & Most Valuable Performer Award' for consistently overachieving parameters of performance evaluation.
- Appreciated and awarded for contributing and identifying opportunities for process and service improvements to help the business achieve its objectives.
Personal Information
- Date of Birth: 01/09/82
- Nationality: Indian
- Marital Status: Married
- Visa Status: Holder of Golden Visa
Timeline
Client Account Manager
UBS AG
06.2024 - Current
Assistant Relationship Manager
Credit Suisse AG
10.2018 - 06.2024
CITI-GOLD ASSISTANT RELATIONSHIP MANAGER
Citibank N.A
10.2004 - 09.2018
Masters in Management Studies - Finance
G. N. Institute of Management Studies, The University of Mumbai
01.2002 - 01.2004
Bachelor of Commerce - undefined
K. J. Somaiya College of Arts & Commerce, the University of Mumbai
01.1999 - 01.2002
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