Ekta Aggarwal

Detail-oriented Compliance Specialist with 5+ years of financial services experience spanning regulatory policy review, audit coordination, incident escalations, and executive metrics reporting. Proven track record of managing cross-departmental data collection across Internal/External Audit, Risk, and Operations to curate high-level reporting packages. Skilled in handling high-volume compliance inquiries, applying strict policy frameworks with practical judgement, and coordinating complex regulatory initiatives within fast-paced banking environments.

Compliance & Risk Analyst at Global Payments (2026-01 – Present)

• Coordinate audit requests and data collection across Internal Audit, External Audit, Finance, Risk, and Operations to build comprehensive quarterly reporting packages and compliance metrics for executive leadership.
• Manage third-party vendor compliance oversight, continually assessing vendor frameworks to verify alignment with corporate policies, risk taxonomies, and regulatory requirements.
• Support policy enhancement projects and risk universe harmonization across business lines, identifying operational control gaps and recommending procedural updates.
• Handle incident management and escalation workflows, investigating credit-escalated AML requests and conducting background reviews to mitigate financial crime exposure.
• Collaborate cross-functionally with HR and external legal/translation partners to execute regulatory compliance requirements under Quebec Bill 96.

Small Business Credit Analyst & Underwriter at TD Bank (2021-10 – 2026-01)

• Managed high-volume inquiry and application workflows (~7 small business loan and credit card cases daily), serving as a core liaison for branch representatives seeking status updates and policy clarifications.
• Executed thorough risk evaluations for requests exceeding single-signature limits ($100K authority), structuring formal rationale for 1-up management escalations.
• Applied bank credit policies and regulatory rules while evaluating policy exception requests, ensuring balanced risk decisions without compromising operational turn times.
• Communicated complex technical details and documentation requirements to internal stakeholders, ensuring transparent rationale for approvals, conditional terms, or rejections.
• Selected for a 6-month secondment in TD Wealth Management, supporting compliance and risk reviews across high-value client accounts.

Credit Analyst at Laurentian Bank (2019-04 – 2021-08)

• Underwrote retail and small business credit facilities, maintaining compliance with internal underwriting guidelines and regulatory credit standards.
• Reviewed financial statements, income verification, and borrower documentation, identifying potential discrepancies or compliance red flags.
• Liaised with sales teams and account managers to request missing documentation and provide clear updates on application status.

Master of Arts (M.A.) in French – Panjab University (2014)

DELF B2 & B1 Diplôme d'Études en Langue Française – Alliance Française (2014)

Bachelor's Degree – DAV College (2010)