Bhavana Pandey

Governance, Risk, and Compliance professional with 4+ years of experience in the banking and financial services sector, specializing in regulatory compliance testing, cross-border remittances, and RBI guideline reviews.

Specialist 3 - PwC & Co LLP

(2025-01)

• Conduct Governance, Risk, and Compliance (GRC) reviews for banking clients, focusing on regulatory compliance testing and control effectiveness.
• Trade Remittance: Review trade remittance transactions against RBI guidelines and internal bank policies to ensure full compliance.
• Client Management Function: Audit the CMF area, including Account Opening, Documentation, Limit Setup, KYC, and CKYC procedures as per RBI and bank policy.
• Reporting: Assist in the preparation of compliance documentation and review reports for senior stakeholders to ensure alignment with regulatory standards.

Associate Consultant - BSR & Co. LLP (KPMG Network Firm)

(2021-07 - 2024-12)

• Conducted regulatory compliance reviews for banking clients covering cross-border remittances, regulatory filings, and compensation payments.
• Performed end-to-end transaction testing of cross-border remittance processes for a leading foreign bank operating in India.
• Supervised team members performing transaction testing and ensured quality and timely completion of review procedures.
• Evaluated completeness and accuracy of regulatory submissions in line with compliance requirements.
• Reviewed compensation payments related to delays in UPI, IMPS, NEFT, and RTGS transactions.
• Prepared audit reports highlighting observations, risks, and recommended action plans for senior stakeholders.

Master of Commerce - M.Com - K.P.B. Hinduja College of Commerce, Mumbai

Bachelor of Commerce - B.Com - K.P.B. Hinduja College of Commerce, Mumbai