Vijay Ray Email & Phone Number

Accomplished regulatory compliance and risk management leader with over 13 years of progressive experience in financial services. As Associate Director at RSM, I spearhead the delivery of strategic regulatory advice and innovative solutions to a diverse client base, from fintech start-ups to established financial institutions.Previously, as Manager in EY's Financial Services Risk Management team, I led complex, high-impact projects for global financial institutions, fintech innovators, and industry associations. My expertise spans conduct risk, financial crime, prudential regulation, and governance, with a particular focus on the evolving landscape of payment services and e-money firms.Drawing on my tenure at the Financial Conduct Authority, where I provided fixed firm supervision to one of the world's largest FinTech firms and conducted in-depth reviews of high-risk firms safeguarding over £5bn, I bring a unique blend of regulatory insight and practical industry knowledge. This experience is complemented by my time assessing over 100 firms in Authorisations, giving me a comprehensive understanding of the regulatory lifecycle.I excel in developing and implementing compliance processes, authoring thought leadership pieces, and delivering impactful training sessions on key regulatory areas. My approach combines strategic thinking with hands-on problem-solving, ensuring clients not only meet current regulatory requirements but are also prepared for future changes.Committed to driving industry growth and best practices, I actively contribute to business development initiatives, mentor junior team members, and stay at the forefront of regulatory developments. My goal is to empower financial services firms to navigate complex regulatory landscapes while fostering innovation and sustainable growth.