• Responsibilities include implementation & continuous monitoring of Operational Risk exposure at Emirates Islamic and the bank’s subsidiary• Successfully created an Operational Risk culture increasing Transparency and risk accumen• Successfully implemented Operational risk tools viz. Risk & Control Self assessments (RCSA), Key Risk Indicators and enhanced Incident monitoring & reporting• Ensuring New products & processes are effectively reviewed based on Central bank and Sharia guidelines• Liaison with other critical functions of the bank i.e Legal, Sharia, Compliance and HR w.r.t Court cases and Fraud incidents • Implementing effective controls to mitigate Operational Risk including Fraud Risk• Set up the Business Continuity framework to effectively manage any contingencies • Effectively managing Governance committees as a Secretary viz.Operational Risk committee and Board Risk committee for Emirates Islamic.

Leading the Group Operational risk team for MashreqResponsible for implementation of a robust Operational risk framework and best practices across Mashreq group

Implementing the Operational risk framework for NBAD groupDeveloping Operational risk framework, policy and proceduresAssist in implementing the Operational risk management systemConducting awareness training on ORMOperational risk capital calculation including liaison with central bank

• Leading the quality assurance function which ensures that the process level controls followed by Business Managers are aligned with Group Operational Risk Policy. Also provide independent objective assurance to the management regarding adequacy of Compliance with policy and regulatory requirements. • Assist in implementation of the Global Operational risk framework • Conducting control reviews for Corporate & Institutional banking, Fixed Income Group, Global markets, Operations, Compliance and HR functions on an ongoing basis.• Provide ongoing feedback to frontline and operations on operating risk management and remedial management practices through Quality Assurance feedback process.Chief Vigilance Officer• Reserve Bank of India (Indian regulator) mandates all banks in India to setup a Vigilance unit so that all issues arising out of lapses in the functioning relating to corruption, malpractices, frauds etc can be addressed uniformly by the banks for timely and appropriate action. Along with Quality Assurance function, I was also responsible for the Vigilance function of bank. • Primary tasks involved: Preventive Vigilance, Regulatory reporting and Oversight on Complaints & Investigations

• Implemented the Global ORM policies for Nomura India Operations which supports various regions and Global functions with suitable customizations. • Ensured timely completion of Risk and Control Self-Assessment process with timely escalations• Reporting and analysis of Key Risk Indicators• Implementation of ORM approach as defined under Basel III and local regulations• Framing of policies and procedures for areas under risk review• Provide inputs to training team and conduct trainings for building a robust risk culture and increased awareness on Operational Risk Management • Part of projects/activities which are incidental to the process of Operational Risk Management• Managed operational risk and conducted front to back reviews for Fixed Income, Equities, Global Reference Data, Reconciliation, Asset Servicing, FX, Collateral & Settlements and defined the risk appetite and tolerance levels• Conducting Root Cause analysis for Incidents reported and track the documented action plan

• Conduct process reviews & audits across functions in Consumer Bank ensuring conformance to Group Risk & Controls Framework. Assisting business units in implementing Operational risk framework. Also ensuring conformance to regulatory guidelines.• Responsible for Product, Wealth Management, Operations and Branch banking reviews across South Asia, Middle East and Africa. • To identify risk in key processes, assess criticality & devise/evolve Audit Tools (Checklist, Scorecard & Management Reporting)• Check conformance to Key Control Standards and compliance to Local Regulatory & SCB Global Policies.• Validate & certify process efficiency in mitigating financial/accounting losses.• To ensure that corrective actions/implementation plans are put in place with agreed timeframes ensuring timely closure of identified gaps.• Support Project teams in identifying core risk areas & providing guidance to ensure robust processes.

• Manage the ATM Reconciliation, New & Renewal Debit Cards Issuance & Hotlisting desk through a team of ten members for Pan-India.• Analyze/Implement system changes and prepare test plans/test results• Carry out feasibility analysis for change requests/new products and prepare/update Process & Operations manuals.• Manage training for branch / Phone-banking staff on ATM reconciliation and new processes. Ensure timely set-up of ATM’s in Base 24 / Retail banking system as well as generation of Terminal Master Keys for ATM’s as per VISA guidelines. • Manage charging of Annual, Renewal, Issuance & Re-issuance fees for all Debit cards.• Ensure timely processing of various static data changes viz. Name change, Address change, Limits change, Account linking / de-linking, ATM / debit card pin regeneration.• Manage Business Continuity planning & testing for the operations.• Ensure satisfactory Audit / ISO /SOX ratings for the unit, by strictly adhering to the processes/guidelines laid down by them

Risk Management & Fraud Control – Western India • Conducting regular training sessions at vendor offices, processing agencies and verification agencies across West - India.• Fraud prevention through pro-active strategies such as inspections, sampling and MIS compilation and analysis.• Fraud deterrence vide investigations, filing police / legal cases.• Controlling and managing investigation agencies of the bank.• Managing Public Relations for the Bank whilst interacting with Customers, Police, and Regulatory institutions.