Risk Management and Distribution ComplianceDistribution Standards is a Sales Compliance function of Max Bupa which is primarily responsible forensuring high ethical standards among all distribution channels of Max Bupa.Core Responsibility of the role is to drive ethical sales culture in the company by: Formulation and maintenance of Risk Registers for entire distribution channels; Periodic review of risk register; Cross functionally working with important stakeholders and ensuring seamless execution ofBranch Office Review program; Timely submission of regulatory compliance report for all distribution channels; Spreading awareness and educatory communications on market conduct(ethical sales behavior); End to end execution of consequence management (disciplinary actions) for all distributors /sales force in the company; Investigation of cases pertaining to distributor misconduct and consequence management on thesame thereafter

Risk Management and Distribution Compliance

Skills - Internal Audit, Forensics, Compliance, Fraud Control, Process Re-engineering.Using specialized investigation and business skills in assisting clients involved in commercial or regulatory disputes or in the investigation of fraud and impropriety. Have executed a broad range of projects related to Forensic Fraud Investigations and Loss prevention.The Attainments for present role:• Reviewing the internal controls and assessing their adequacy and effectiveness • Highlighting design gaps to the management and formulating remediation plan; • Delivering quality service within defined timelines.• Building adequate relationship with the process owners and ensuring field level issues are sorted out • Project Execution within the budget Clients worked with till date – • Abu Dhabi National Takaful Company – Evaluation of Risk and Control Mechanism for the Claims Management Function of the Company.• Amlak Finance PJSC – Start to end review of Credit Risk function within the company for their adherence to Regulatory Laws in UAE and Company Policies.• Rivoli Group - Conducted Rapid Stores audits (around 50 shop floors in UAE, Muscat and Doha). Evaluation of Risk and Control Mechanism for the entire store functioning and deficiencies from Head Office Level. Key activity in the assignment was ensuring Loss Prevention for the company.• Zayed University – Developed a detailed risk register pertaining to the entire functioning of the educational institution.

Using specialized investigation and business skills in assisting clients involved in commercial or regulatory disputes or in the investigation of fraud and impropriety. Have executed a broad range of projects related to Forensic Fraud Investigations and Loss prevention.The Attainments for present role:• Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.• Identifying complex problems and reviewing related information to develop and evaluate options and implement solutions.• Being careful about detail and thorough in completing work tasks.• Establishing and maintaining personally challenging goals and exerting effort toward mastering tasks.• Being creative and having an alternative thinking to develop new ideas for answers to work-related problems.

Worked as a Process Auditor —NEW BUSINESS (August 2009 – June 2010) Job Profile -• Auditing if the insurance policies are being underwritten as per guidelines.• Responsible for trainings and updates from IRDA as well as company perspective. • Sample checking of cases processed by vendor staff.• Complete handling of 1 vendor site.• Handling all discrepancy related issues from underwriting team as well as vendor site. Worked as Financial Underwriter—NEW BUSINESS (June 2008 - August 2009)Job Profile – • Financial underwriting of new proposal forms• Scrutinizing the proposals.• Checking the authenticity and credibility of the documents attached.• Accepting/Rejecting the risk attached on the basis of set guidelines & logic.Other responsibilities• Preparing Quality Check Hold Analysis, WD (Wrong Discrepancy) Analysis of vendor staff & giving them feedback accordingly and also preparing Dashboard of monthly production.• Prepared a guidebook / manual that later became a crucial part of the process as it gave underwriters keynotes and logics to identify authentic and fraudulent proofs.