Karthik Kodihalli
Risk, Compliance & Governance · Strategic & Business Planning · Organizational Change
About
Financial-services professional with 15+ years spanning regulatory compliance and AML/ATF, enterprise risk and governance, financial and strategic analysis, and people leadership. Led a six-person team as a CIBC Manager and built risk-based compliance programs aligned to FINTRAC and OSFI-informed standards. Completing an Executive MBA (Finance, Innovation & Technology) at the University of Alberta, with self-directed regulatory and strategic project work spanning legislative interpretation, target operating models, and multi-year implementation planning.
Brings a stewardship mindset, evidence-based judgement, and a proven ability to translate complex requirements into accountable, service-oriented outcomes.
Experience
Business Banking Specialist - TD Bank - Edmonton, AB
(2025-09)
- Independently conduct risk assessments and ongoing monitoring of commercial clients — financial condition, risk profile, and credit, liquidity, and operational risk — to inform lending and onboarding decisions.
- Interpret and apply federal and provincial regulatory requirements (AML/ATF, KYC/KYB, consumer protection) to client files, ensuring documentation withstands internal and external scrutiny.
- Redesigned recurring file-review and quality-control routines, reducing documentation errors by ~30% and strengthening audit readiness across the portfolio.
- Partner across credit, compliance, and operations teams to escalate and resolve complex risk issues facing regulated client relationships.
Banking Domain Expert - Mercor - Remote
(2026-05)
- Evaluate and benchmark AI model outputs on banking, AML/ATF, and regulatory-compliance subject matter, applying domain expertise to assess accuracy, completeness, and risk.
- Provide structured written assessments and quality feedback that inform model improvement — work directly relevant to responsible AI adoption and governance in regulated environments.
Manager, Client Advice - CIBC - Edmonton, AB
(2020-02 - 2025-09)
- Directly led and developed a team of six, owning hiring, performance management, coaching, and workload distribution — the people-leadership equivalent of a branch management mandate.
- Built and maintained risk and compliance controls aligned to FINTRAC/PCMLTFA and enterprise governance standards, embedding accountability and stewardship across daily operations.
- Drove a ~50% reduction in process and documentation errors by redesigning review workflows and instituting risk-based quality checks.
- Prepared written assessments and delivered presentations to senior leadership on portfolio performance, risk exposures, and remediation progress.
- Planned and facilitated stakeholder engagement, cultivating collaborative relationships with internal partners and external stakeholders to surface emerging risks and align on resolution.
KYC/AML Subject Matter Expert - HSBC - India
(2016-07 - 2019-08)
- Served as SME for KYC/AML governance, interpreting regulatory requirements and translating them into operating procedures and quality standards for institutional clients.
- Maintained control documentation and risk assessments that supported zero material audit findings across the review period.
- Recognized as Quarterly Achiever (2×) for accuracy, regulatory rigour, and process improvement.
Senior Analyst — UBS Engagement - Wipro Technologies - India & Singapore
(2012-06 - 2016-07)
- Delivered KYC/AML and operational risk support for a global investment bank, analyzing client risk profiles and maintaining compliance documentation to institutional standards.
- Contributed to process standardization and controls enhancement; recognized as Quarterly Achiever (3×).
Education
Executive MBA - Management of Innovation & Technology, Finance - University of Alberta (2027-05)
Post Graduate Diploma in Management (PGDM) - Kirloskar Institute of Advanced Management Studies (KIAMS) (2012)
