Praneet

Personal Banking Associate @BMO

CA

Advised small business clients on a range of financial solutions including business accounts, cash flow optimization, payment and payroll management systems, and business credit facilities. Proactively identified and referred qualified opportunities for commercial lending, ensuring alignment with internal credit policies and contributing to long-term business growth and client retention.Served as a dedicated Funds Representative, conducting comprehensive financial needs assessments and ongoing portfolio reviews to develop tailored investment strategies. Recommendations were aligned with clients’ time horizon, net worth, financial goals, risk tolerance, life stage, and investment preferences. Provided guidance on suitable products such as mutual funds, ETFs, GICs, and investment certificates across both registered and non-registered portfolios, with a strong emphasis on suitability and regulatory compliance.Delivered tailored personal banking solutions by assisting with day-to-day banking and credit needs while referring clients to appropriate lending or financial planning specialists, enhancing the overall client experience.Maintained a strong focus on compliance and risk management by actively monitoring for suspicious activity and red flags. Ensured full adherence to BMO’s internal risk frameworks and all regulatory requirements, including AML and KYC protocols, safeguarding both client interests and institutional integrity.