Lead Business Execution Consultant (Manager Equivalent) - Operational Risk Management at Wells Fargo (2023-05 – Present)
Led end-to-end operational risk governance and vendor oversight, aligning third-party practices with rigorous US regulatory and institutional control standards
- Conducted Operational Risk Reviews assessing operational controls and regulatory compliance, resulting in putting a control mechanism in place which enhanced control effectiveness from 94% to 100% and reduced regulatory exposure under US and EU regulations.
- SME for Fraud Detection & Monitoring, identifying and escalating fraudulent activity patterns by third-party service providers impacting customer accounts and transactions.
- Directed remediation of control gaps identified in vendor processes, ensuring timely corrective action closure within regulatory deadlines and in line with Wells Fargo's operational risk policy standards.
- Strengthened safeguards around customer data privacy in third-party vendor engagements, ensuring vendor handling of sensitive account information met internal confidentiality and data protection standards.
- Provide oversight of transactional monitoring programs completed by the third-party service providers, while monitoring and reporting on Monthly Business Review regularly to India & US leadership.
- Utilized Generative AI tools (including ChatGPT and Microsoft Copilot) to streamline TPRM documentation, accelerate vendor risk report drafting, and enhance the quality of executive risk communications.
Lead Consultant - Governance & Channel Risk at Plum Benefits Pvt Ltd (2022-03 – 2023-01)
Spearheaded partner governance and vendor risk management across a national network of 50+ channel partners, ensuring full compliance with IRDAI regulatory requirements and internal underwriting standards
- Led and managed a team of 6 direct reports, driving governance, due diligence, and risk review execution across the channel partner portfolio.
- Managed end-to-end on boarding due diligence for 50+ third-party channel partners nationally - assessing partner risk profiles, compliance readiness, and operational capabilities before engagement.
- Conducted periodic third-party risk reviews and operational due diligence on corporate accounts, identifying underwriting discrepancy risks and implementing corrective governance controls.
- Advised 200+ SME client organisations on benefits and insurance frameworks, ensuring product and service providers met regulatory and operational risk standards before deployment.
Regional Business Manager - Product & Compliance Risk at AU Small Finance Bank (2021-08 – 2022-03)
Oversaw product distribution risk and compliance governance across regional liability channels, managing controls to mitigate mis-selling, operational risk, and regulatory non-compliance by external partners
- Led a regional team of 6 direct reports and 30 dotted-line reports, managing performance, training, and risk accountability across the regional partner ecosystem.
- Monitored third-party sales activity and transactional trends to proactively identify internal control anomalies and operational process gaps within the external partner ecosystem.
- Ensured 100% branch-level activation of third-party product channels through structured training programmes, improving partner product knowledge and regulatory compliance adherence.
- Managed ongoing performance and compliance reviews of external product partners, escalating risk issues to senior management and driving timely resolution of identified control gaps.
Assistant Manager - Distribution & Operational Risk at HDFC Asset Management Company (2017-05 – 2021-08)
Managed risk governance across mutual fund distribution channels and vendor relationships, while overseeing INR 300+ crore AUM portfolio within SEBI and AMFI-regulated investment environment
- Oversaw third-party distributor and channel partner risk, conducting due diligence on distributor onboarding, compliance with SEBI regulations, and adherence to AMFI code of conduct standards.
- Conducted deep regulatory compliance reviews across distribution processes, managing credit, market, and liquidity risk frameworks within a complex multi-channel investment ecosystem.
- Achieved 10x AUM growth in 40 months and 4x+ portfolio returns through disciplined operational governance and strategic asset allocation aligned with client risk profiles.
- Recognised with 200% target achievement across multiple fund launches; honoured by HDFC AMC for outstanding governance, compliance controls, and third-party partner management.
- Partnered with investment and portfolio management teams to align third-party distribution risk controls with fund performance, market conduct, and client suitability objectives.
- Supported capital markets and mutual fund product launches by evaluating third-party distributor readiness, investment risk profiling, and regulatory suitability standards.
