Summary
Overview
Work history
Education
Skills
Timeline
Generic
Fareeza Fathima

Fareeza Fathima

Camberley,Surrey

Summary

Experienced professional with expertise in BACS payment processing and Individual Savings Account (ISA) management, ensuring compliance with FCA and ISA regulations, with a strong focus on fraud prevention and risk management. Demonstrates excellence in retail banking operations and account management, coupled with excellent customer service, and processing high volume transactions. Proven ability to work effectively with cross-functional teams, improve operational efficiency, and manage customer accounts in line with industry standards.

Overview

9
9
years of professional experience
3
3
years of post-secondary education

Work history

Career Break

.
10.2020 - 10.2025

Career break to raise my daughter and manage international relocation to UK.
Maintained core professional skills through self-directed learning initiatives.
Currently employed part-time at a nursery, applying acquired skills.


Senior Operations Analyust

One Savings Bank (Kent Reliance Building Society)
Bangalore
05.2016 - 09.2020


  • Managed ISA accounts, ensuring all BACS payments, contributions, and processed withdrawals accurately and in accordance with the regulatory guidelines.
  • Conducted daily reconciliation of ISA transactions, resolving discrepancies and providing detail reports to senior management.
  • Acted as point of contact to the customer relation team for ISA queries. And also collaborated with the internal teams to ensure smooth integration of BACS payment systems with ISA account management platforms, optimising workflow and reducing errors.
  • Monitored transaction trends for potential fraud or errors for over subscriptions of accounts and reported it to the MLRO team.
  • Provided training and support to junior staff on BACS payment processing and ISA account regulations.
  • Worked on general retail banking operations, including account opening, KYC process.
  • Collaborated with the IT team in migration project of various workflows from AWD3 to AWD10 software version, by providing efficient workflow requirements and testing the workflows on live environment.
  • Prepared workflow manuals which helped the team members to follow the set workflow guidelines and procedures.
  • Collaborated with cross-functional teams (quality, customer complaints and customer relations team) to streamline processes and improve service delivery.


Education

Bachelors in Business Management - Finance

Bangalore University
Bangalore, India
06.2012 - 05.2015

Skills

  • BACS Payment processing
  • Individual Savings Account (ISA) Management
  • Regulatory Compliance (FCA, ISA Regulations)
  • Payment systems & software (eg, BACSTEL)
  • Fraud prevention and risk management
  • Retail banking operations & account management
  • Customer service and issue resolution through mails and letters
  • Process optimisation & efficiency improvements
  • Cross functional team collaboration

Timeline

Career Break

.
10.2020 - 10.2025

Senior Operations Analyust

One Savings Bank (Kent Reliance Building Society)
05.2016 - 09.2020

Bachelors in Business Management - Finance

Bangalore University
06.2012 - 05.2015
Fareeza Fathima