Experience

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  South indian bank

  Nov 2000 - Dec 2003

  Asst manager

  Assistant Manager, The South Indian Bank Ltd Nov 2000 to Dec 2003 SIB is one of the leading scheduled banks in India, has more than 65 years market pedigree and wide presence with more than 800 branches.Branches in Mumbai,Delhi as Operations Officer Jan 2002 to Dec 2003 Retail Banking operations & Customer Service  Complaint resolution, account reconciliation , core banking migration etc  Routine credit operations & maintenance of the accounts. Regular monitoring of accounts & preparation and submission of MIS, Control reports, exception handling and other related functions as per HO guidelines. Review & renewal of accounts on periodic & ad-hoc basis.Probationary Officer (in Chennai) Nov 2000 to Jan 2002  General banking exposure in branch environme Customer service, retail & business banking operations and liability business. Day to day branch functions & MIS reporting Show less

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  Axis bank

  Jan 2004 - Oct 2016

  Compliance and Risk Officer for corporate and international banking division of Axis Bank (Wholesale business division with balance sheet size of USD 20 Billion )Key responsibilities:Lead in framing and implementation of compliance frame work , compliance manual, compliance monitoring program for Corporate and International Banking division of bank .Ensuring adequate compliance risk coverage in all the policies and procedures adopted by bank and to develop a healthy compliance culture within the bank.To set a comprehensive AML and Operational Risk management framework to build a complied business franchise. Show less Deputy CEO of Axis Bank at DIFC, Dubai taking care of control functions of an independent balance sheet size of USD 6 BnKey responsibilities:Implementation of compliance frame work & compliance monitoring program for DIFC entity and ensuring adequate compliance risk coverage in all the policies and procedures adopted by bank in UAE .Guide in structuring AML monitoring programme including setting processes and systems for transaction screening processes, Financial crime surveillances and its governance models.Supervision of regulatory reporting, regulatory compliance & liaison with local/host regulator ie DFSA and home regulator ie RBI Supervise drafting and review of various policies and manual like compliance policy ,compliance manual ,AML /CFT policy ,Operations Manual etcCollaborate and equip different departments for various types of assessment & escalate & communicate significant compliance &operational Risk to Senior ManagementProvide periodic training to staff on AML , Compliance, and Risk Management and Banking operations with the objective of inculcating compliance-control culture at branch.Respond to staff queries on AML, KYC and Compliance issues and provide consultation on specific transactions.Advise CEO and senior management in various compliance matters Show less (Axis Bank Ltd. India - Branch Head of retail branch from 2008 to 2009 Responsible for entire activity of the retail branch from business development to operations Axis Bank Ltd. India – Manager /Asst Vice President Jan 2004 to May 2008 (Branch Operations / Headed Corporate Banking Team Kochi from 2006 to 2008).  Branch Operations Head for Retail branch  In charge for banks clearing system at kochi Head Corporate banking unit with responsibility of identification, acquisition and management of corporate banking relationships for the Bank, in Kerala. Pre-sanction Activities - Credit analysis & appraisal, finalisation of terms & conditions, Prepare & submit proposals to head office with due recommendations. Focus on ensuring a healthy ROCE and good credit quality. Post-sanction Operational Activities - documentation, monitoring, review/ renewal of limits etc. Co-ordination with the operational functions and the trade finance units to ensure good service delivery. Periodical Unit visits, follow up / monitoring of weak / stressed accounts and facilitating the recovery process. Facilitating cross-sell of retail banking products and third party products for fee income Owning all business segments of the branch Show less

  • Vice President -Compliance and Risk

    Jun 2015 - Oct 2016

  • DEPUTY VICE PRESIDENT & DY CEO

    Oct 2009 - May 2015

  • Asst Vice President 2008-2011 Manager 2004-2008

    Jan 2004 - Sept 2009
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  Ujjivan small finance bank

  Oct 2016 - now

  Chief Compliance Officer for 18000 employee bank .Heading AML division as MLRO and principal officer

  • Chief Risk Officer (CRO)

    Sept 2024 - now

  • Chief Compliance Officer

    Oct 2016 - now