Mukul Anand Email and Phone Number

Profile Summary  A Strategic Collaborator offering nearly 22 years of experience in Risk & Controls, Assurance, Process Reviews, Operations, Service Delivery, Compliance, Audit & Client Servicing Currently working with HSBC, Gurugram as Assistant Vice President - Chief Control Office Previously worked with Bank of America, Gurugram as Senior Manager – Operations Risk and Control Earlier worked with Royal Bank of Scotland Group, Gurugram as Associate Vice President - Controls, Conduct and Supervision Worked closely with line management in strengthening the control environment and improve internal control processes Skilled in managing end-to-end process reviews, supporting transitions while engaging globally spread stakeholders. Hands-on experience in reviewing & validating controls, offering advisory on instituting new controls and implementing Operational Risk Framework of the firm. Trained colleagues on risk management; managed day-to-day risk management activities such as detailed investigation, analysis and presentation of operational risk events with a theme-based approach. Perform risk & controls assessments, incident capture & scenario analysis including with FMEA reviews. Providing an independent assessment of control and risk issues for senior management Ensured Risk and Control productivity & priorities to maintain high standards, as well as strengthening relationships with key stakeholders across the business Manage Information security governance

 Supporting the Bank’s Operational Risk Management Framework linked to the strategy plans, by offering the right level of challenge and assistance to the operations to the operations stakeholders both Indian and Onshore. Establishing and Conducting Governance Routines to support Supervisory Governance. Responsible for Risk Oversight on Trade Support processes in GBS- India including monthly Control Meetings. Secretariat to the Control Meetings by producing the Risk and Control pack, Run the Control Meetings, to discuss the progress made on risk issues, events and control deficiencies and discuss Emerging Risks. Participate in Risk and Control Assessments supporting business to review processes, identify gaps and opportunities to improve and rationalize the control environment to achieve Control Environment Certification. Having an oversight on Key controls for their design and operational relevance by conducting Adequacy Testing and Effectiveness Testing and assist business to close out any gaps thus identified. Provide oversight and challenge to the business by acting as a gatekeeper for the risk issues called out. Monitor and provide challenge to their actions and risk issue closure. Detailed investigation, analysis and presentation of operational risk events with a theme-based approach Supporting Transitions, review documentation for sign-offs & stabilizing service delivery Developing and Run Routines to implement and monitor Internal and External Compliance requirements  Designing and imparting Risk and Control trainings pack for the new joiners and existing staff. Conduct Reviews to keep operations team always audit ready with audit documentation. Act as a bridge between Business and 2nd and 3rd Line of Defence. (ORM and Audit respectively)

Associate Vice President : Risk and Control – ( Individual Contributor )• Role involves regular interaction with Statutory Auditors, Internal Audit teams, Operational Risk Policy makers, Product Controllers, Business heads and Onshore Risk heads.• Risk Events Management for the business including the events analysis and formulation of actions required to mitigate• Review of monthly Risk and Control Committee (RCC) pack for Global FCFO Services and Funding RCC pack, run the meeting and act as secretariat for meeting, to discuss the progress made on risk issues, events and control deficiencies• Assisting Business team to review business processes, identify gaps and opportunities to improve business processes, rationalise the control environment enabling them to achieve good Control Environment Certification ratings• Supporting transitions of processes to the business teams in terms of providing risk & control insights

• To ensure Process Specific , Regulatory & Generic Assurance tests are carried out for all processes in RBS Group Operations India • Complete Assurance Testing of Data Protection and Secrecy guidelines for being in line with regulatory and RBS guidelines and publish reports.• Engage offshore and on shore stakeholders at all levels by having visits or engagement calls • To support review / creation of test scripts periodically to ensure effectiveness of controls • Identify emerging risks & issues and work with BUs • Headcount Planning and Forecasting • Work with Leadership team of the organisations to ensure the Risk and Control Environment is efficiently and effectively managed

• Deliver Key Performance Indicators on a consistent basis for each process in Consumer Operations. • Introducing Quality initiatives for the process which are migrated.• Bringing efficiencies within the team through better training and motivation to downsize manpower requirement in long term

• Oversee Operation support for Depository clients across 20 + branches – on DP Operations• Oversee LAS (Loan Against Securities) • Implement regulatory directives on Anti Money Laundering emanating from SEBI, NSDL, CDSL • Facilitate Internal & Statutory Audit – RBI, SEBI, NSDL & CDSLABN AMRO Asia Equities ( India ) Ltd at Gurgaon (Dec-07 Mar-09 )Assistant Manager – Retail Brokerage Service – Operations, Team of 12• Supervising the Broking A/c opening function as Unit Head reporting to the Head - Operations.

• Effective and Efficient Team Building with the Customer Service Executives.• Recruitment of Customer Service Team for the zone• Visiting the Branches to get the feel of the grass root levels.• To ensure hassle free and fast DP operations across the zone. • Formulation and implementation of systems and procedures wherever required

• Handling of DP Operations and in retail and institutional segment• Previously In-charge for Punjab, J-K, Himachal Pradesh for Demat A/c Opening Operations • Overseeing the documentation process for opening and maintenance of de-mat accounts

• Managing various tasks including cash handling & management, issue of MC/DD, intra bank fund transfers, outward clearing operations etc.• Ensuring adequate availability of cash at ATMs across Ambala, balancing ATMs as per customer and ATM GL A/c’s, liasing with Charge Back team of Visa & MasterCard for debit / credit card related disputes, handling changes & upgrades.• Coordinating with Service Providers to optimise working of ATMs.• Interfacing with clients to acquaint them with products like savings/current accounts, savings bonds, securities as well as assist in opening/closing of accounts.