Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic

Aishwarya Kulkarni

Summary

Compliance professional with over 11 years of experience in Investment Banking and Retail Banking. Demonstrated success in regulatory reporting, policy development, risk mitigation, licensing and registration compliance, stakeholder engagement, and process standardization. Adept at driving cross-functional projects, managing audits, and conducting compliance education programs.

Overview

11
11
years of professional experience
1
1
Certification

Work History

Associate – Global Compliance

GOLDMAN SACHS
01.2022 - Current
  • Mentored and led a team of 5 analysts to deliver high-quality compliance operations and uphold regulatory standards.
  • Spearheaded a project to onboard two major Indian brokerage firms as GS-approved brokers, coordinating negotiations and stakeholder management across legal and technology teams.
  • Led regulatory licensing and registration efforts, ensuring compliance with FCA (UK), SFC (Hong Kong), and MAS (Singapore) requirements for front-office personnel.
  • Developed and maintained global policy documents related to employee personal trading across multiple jurisdictions.
  • Created SOPs to standardize compliance processes globally, enhancing efficiency and reducing regional inconsistencies.
  • Identified critical gaps in brokerage account monitoring, establishing new controls and frameworks to mitigate regulatory risk.
  • Conducted compliance orientation workshops and floor huddles to drive awareness of employee conduct policies.
  • Finalist among 300+ teams in GS's Tech Automation Competition for driving innovation in compliance workflows.

Senior Analyst - Global Compliance

GOLDMAN SACHS
07.2019 - 12.2021
  • Managed escalations of employee trading violations, conducted investigations, and submitted findings for disciplinary reviews.
  • Reduced operational inefficiencies by redesigning the employee disclosure review process.
  • Partnered with global and regional compliance teams to respond to audit requests, create management information (MI) reports, and support global initiatives.
  • Initiated and led vendor onboarding orientation program, reducing compliance breaches by external contractors.

Assistant Manager – Retail Banking

SOUTH INDIAN BANK
07.2014 - 07.2019
  • Managed daily operations and compliance for a branch handling business worth ₹80+ Cr.
  • Oversaw pre-sanction appraisal and post-sanction monitoring of retail and SME loan portfolios.
  • Handled business development efforts for CASA, insurance, and third-party financial products.
  • Sanctioned secured loans, conducted risk assessments, and reviewed collateral documentation.
  • Led compliance initiatives like KYC alignment for 30K+ accounts and account drives under PMJDY.
  • Coordinated internal/external audits and ensured full branch compliance with RBI norms.

Education

MBA -

Sikkim Manipal University
01.2016

B.Com -

Karnataka University
01.2014

Skills

  • Employee Compliance
  • Personal Account Dealing (PAD)
  • Private Investment Transactions
  • Outside Business Interests (OBIs)
  • Licensing & Registrations
  • Regulatory compliance
  • Risk assessment
  • Stakeholder management
  • Operational efficiency
  • MS Office

Certification

  • Certified Associate of Indian Institute of Bankers (CAIIB)
  • Training in Credit Monitoring & Forex – SIBSTC, Bangalore
  • Finacle 10 System Training – SIBSTC, Thrissur

Timeline

Associate – Global Compliance

GOLDMAN SACHS
01.2022 - Current

Senior Analyst - Global Compliance

GOLDMAN SACHS
07.2019 - 12.2021

Assistant Manager – Retail Banking

SOUTH INDIAN BANK
07.2014 - 07.2019

MBA -

Sikkim Manipal University

B.Com -

Karnataka University
Aishwarya Kulkarni