Anusuya Kanungo

Risk analytics professional with 9+ years of experience in banking and financial services, specializing in consumer risk, fraud analytics, loss forecasting, data validation, statistical analysis, and regulatory risk reporting. Experienced in developing and maintaining analytical solutions, analyzing portfolio performance and forecast-versus-actual results, identifying emerging risks, evaluating model limitations, and communicating actionable findings to senior management. Building predictive models and perform end-to-end model development, documentation as per governance standards using SAS and SQL, incorporating first- and third-party fraud risk into loss forecasts, and translating complex data into actionable insights for senior management.

Partnering with Model Risk Management and 2nd/3rd line stakeholders, and supporting risk decisions within governance and regulatory frameworks. Certified SAS Programmer with hands-on experience across consumer lending, card services, overdraft, AML/financial-crime monitoring, and risk governance.

Regulatory Risk Senior Analyst (AVP) - Citi Bank - USA

(2022-03 - 2026-08)

• Lead end-to-end development, maintenance, validation, and documentation of loss forecasting models for Consumer and Business Overdraft portfolios, integrating first-party and third-party fraud risk into portfolio risk assessment.
• Analyzed portfolio performance and trends, scrutinizing model forecast-versus-actual results to identify emerging risks and present findings and recommendations to senior management for strategic risk decisions.
• Devised stress-testing scenarios supporting CCAR, DFAST, and QMMF regulatory submissions, assessing potential portfolio outcomes to bolster regulatory capital planning and forecasting.
• Collaborated with Model Risk Management and 2nd/3rd line business stakeholders, providing analytical challenges on model limitations, overlays, implementation quality, and ongoing monitoring.
• Executed data integrity and validation reviews across finance and risk functions, ensuring accurate, consistent, and reliable risk analysis and reporting.
• Authored comprehensive documentation for model validation methodologies, encompassing conceptual soundness, implementation quality, ongoing monitoring, and annual model review requirements in adherence with governance standards.
• Prepared and uploaded RBLP and RWA templates for unsecured products, supporting CCAR/QMMF 14A reporting while upholding accuracy and compliance with established requirements and deadlines.
• Automated end-user computing solutions in accordance with governance standards, diminishing manual effort and enhancing the consistency and repeatability of analytical processes.
• Identified opportunities to streamline analytical methodologies, eliminate redundancies, and improve operational efficiency across risk-management processes.
• Communicated analytical findings, model performance observations, risk considerations, and recommendations to senior stakeholders and cross-functional partners.

SAS Developer - MUFG Union Bank (via Capgemini Financial Services) - USA

(2019-08 - 2021-04)

• Developed and deployed SAS solutions for the Financial Crimes Monitoring (FCM) suite to support Anti-Money Laundering (AML) initiatives.
• Engineered and maintained AML scenario and risk driver code, identifying suspicious activities across Deposit, Mortgage, and Loan portfolios.
• Designed and implemented processes for alert generation and customer risk scoring based on enterprise-wide data points.
• Provided technical leadership in the design, development, testing, and deployment of SAS solutions in a high-stakes compliance environment.
• Analyzed large, complex datasets to identify root causes of issues and implement effective solutions in collaboration with clients.

Data Analyst - Wells Fargo Bank (via Capgemini Financial Services) - USA

(2018-09 - 2019-06)

• Supported the GDPR program by maintaining and validating risk factors for over 300 applications processing EU personal data.
• Coordinated non-US personal data privacy risk assessments, ensuring key risks were identified and remediation plans were produced.
• Created daily reports using PROPIX to track cross-border personal data flows and ensure compliance.
• Evaluated business process methodologies, data flow mappings, and data lineage for applications handling sensitive personal data.
• Validated structured and unstructured data flows into the PROPIX Privacy Record of Processing tool.

SAS Programmer - Citi Bank - Card Services (via Capgemini Financial Services) - USA

(2017-02 - 2018-08)

As part of the remediation team, involved in projects called ACI Recurring Payment, Macy's trans audit and Dismissed Bankruptcy. Objective is to find out the impacted population of customers, since last 12 years that were incorrectly charged with late payment fees and other financial charges.

Cards

Remediation projects work closely with the business groups to come up with a remediation strategy for identified production issues and execution the same. In most cases, a retrospective fix is required, and monetary/non-monetary remediation needs to be carried out in favor of cardholder, e.g., posting a monetary adjustment to reverse the late fee levied.

• Creating and tracking impacted customer files for partners including products (BestBuy, SEARS, MACYS, OIL, RPL, and THE Home Depot), finance, Decision Management, marketing operation, technology, Financial Service operations and retail bank Client Operations.
• Developed SAS/MACRO programs to extract, manipulate, and analyze customer data to quantify the impact of incorrectly levied fees.
• Built daily, monthly, and yearly reports and files for internal analysis and create all monetary and non-monetary files to post into FDR using NDM transmission.
• Performed rigorous data validation and integrity checks in SAS to identify and correct data errors, outliers, and missing values.

Master of Science - Bioinformatics - Utkal University Odisha, India