o Lead team of 8 to conduct Internal Audits of Liabilities Products, Programs, Campaigns, Loyalty Rewards, Sales Governance, Debit Card, ATM, Cash Management System, Payment aggregation Business, Central and Regional Operations, Customer Service, Marketing & Corporate Communication, Thematic AML, Thematic KYC, Wealth Management Business, Fee Based Business, Third Party Business (Insurance, Mutal Funds, etc), Thematic Audit of Control Framework in Branch Banking and Abu Dhabi Rep Office.

o Lead team of 30 to conduct Internal Audits of: West & South zone branches through regional offices in Mumbai, Ahmedabad, Bangalore. Wholesale branch, Cash hubs, Currency Chests and Clearing Branch support functions: Central Surveillance Unit (Process) and Branch Control Unito Other responsibilities handled in both roles: Prepare Risk Based Internal Audit plan by assessments of Inherent and Control Risk  Execute audits within the defined timelines and cost parameters Plan and recruit in line with the Budget and manpower requirement. Annual review of Internal Audit Policy, Operations Manual and other internal documents Review and updation of Objective Rating Model, checklist, and audit scope. Review and closure of open audit issues with appropriate reporting and closure Spearhead implementation of automation in data analytics, data extraction and reporting Data submission for Risk Based Supervision, Regulatory requirements, and Internal MIS Conduct Product Process Approval Committee (PPAC) reviews and closures. Preparation and reporting of critical observations, insights and advisories to management. Manage External Audits for ISO certification Preparation of reports and Notes for ACB and implement its directions. Plan and facilitate to conduct trainings. Handle concurrent audit – Audit scope, review, checklist, quality and training, performance

o Conduct RCSA testing for Retail Liabilities Product (CA, SA, FD, RD, Lockers, NR, Corp Sal, TASC, FCRA etc.), Branch Banking, NRI Banking, Corporate Salary, Cash Management, Wealth Management, Compliance, Regulatory Reporting and Central Operations.o Review & approve SOP for Liabilities Products, Operations, Business and Branch Banking Units.o Lead Continuous Monitoring Framework and rule-based exceptions reports for Retail Liabilities to test controls placed for critical risks and overall health index of branches.o Opine on deviations from a risk perspective on specific issues.o Handling Product Process Approval Committee note reviews and closures.o Initiate and monitor Risk Acceptances wherever applicable basis the risk framework.o Conducted Root Cause Analysis on operational Incidents to remediate process and controls.o Ensure appropriate and timely provisioning in case of losses reported.o Led OR review projects such as customer complaints, variable payments etc. to fruition.

o Lead team to conduct Internal Audits of Liabilities Products, Central and Regional Operations, Customer Service, AML, KYC, Wealth Management Business and audits of support function such as Operational Risk Management, Human Resource, Infrastructure Management, Compliance, Business Control Unit.

o Lead team of 14 to conduct Internal Audits of: MMR & South zone branches through regional offices in Mumbai, Bangalore. Wholesale branch, Cash hubs, Currency Chests and Clearingo Other responsibilities handled in both roles: Review and discuss audit reports with stake holders for risk mitigation and closure. Conduct risk assessment to prepare Risk Based Audit Plan Review and updation of branch banking internal audit rating model, checklist and scope. Management of open audit issues with appropriate reporting and closure Handling Product Process Approval Committee reviews and closures. Conduct resource allocation, manpower planning and recruitments. Updation and review audit scope and checklist for internal and concurrent audit. Conduct subject specific trainings and trainings for periodic updation.

o Spearheaded AML-KYC remediation review projects for Banks and Insurance companies.o Conduct end use investigations for Banks & Regulators. (SEBI, RBI, ED, CBI etc.)o Review KYC and transactions to identify KYC discrepancies, suspicious transactions not in line with the profile and suspicious source of funds.o Review of alert monitoring mechanism and framework for Banks and Insurance company.o Review and restructure Fraud control and investigation framework for PSU Bankso Review of AML-KYC policy, procedures, and its implementation o Review of transaction monitoring rules, alerts generated and alert clearance processo Conduct end use investigations for Banks & Regulators. (SEBI, RBI, ED, CBI etc.)

o Led a Team to manage concurrent audits for Branch Banking, Forex and Retail Assets. o Prepared synopsis based on critical findings and monitored trends and control failures.o Evaluated performance of concurrent audit firms and conducted trainings for audit firms.

Service Privy banking customers with Investments, advisory, lending and other banking needs.

o Audited Liabilities Products, Branch Banking, Private banking and Wealth Management.o Conduct audits as per risk-based plan, utilizing checklists and standard risk grading guidelineso Conducted investigations on funds misappropriation, Insurance frauds, KYC and AML frauds.o Detected and stalled revenue leakages and ensured recovery.o Prepared presentation to First Tier Audit Committee and Audit Committee Board

Conducted risk-based audit of Retail liabilities, Private banking and Wealth Management.

Conducted risk-based Branch Banking audits.

• Project Transition Q, to bridge the gap for agents transiting from training to operation.• Team Helpdesk for non-routine & challenging issues.• Responsible for maintain TAT, Csat scores and service levels.