S. Heena Kauser
Digital Banking & Mortgage Lending Consultant @ICICI Bank
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WORK HISTORY
Digital Banking & Mortgage Lending Consultant @ICICI Bank
Bellary, IN
Acted as a Banking Consultant supporting digital mortgage lending operations, KYC workflows, and compliance controls within a large-scale BFSI environment.Led KYC and customer onboarding consulting activities, including identity verification, address validation, financial document review, and account risk profiling.Supported AML compliance initiatives by conducting customer screening, sanctions checks, red-flag identification, and escalation of high-risk profiles for Enhanced Due Diligence (EDD).Collaborated with credit, risk, and compliance teams to ensure mortgage loan processing aligned with RBI regulations, internal policy frameworks, and audit requirements.Contributed to process optimization and digitization efforts by maintaining structured MIS reports, audit trails, and data accuracy across loan files.Assisted in income assessment, credit history analysis, and repayment capacity evaluation, supporting informed lending decisions.Served as a key point of contact between clients and internal teams, ensuring data completeness, discrepancy resolution, and workflow efficiency.Ensured documentation standards and compliance controls were embedded across loan lifecycle systems and operational platforms.
EDUCATION
Nandi International College
PUC
Nandi International School
Associate's Degree
Veerashaiva College
Bachelor of Science
Veerashaiva College
Bsc
ABOUT S. HEENA KAUSER
Highly self motivated senior officer with strong ability to successfully work independently and handle pressure strong interpersonal skills and deep ability to achieve the desired result in a fast, high competitive multi tasking environment. Exceptional flexibility to deal with a variety of people, situation, problem and changes. I\'m passionate about fighting financial crime and protecting the integrity of the financial system.Open to Work as AML Analyst,Let\'s connect and work together to prevent money laundering and terrorist financing.
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