CICIYA JOSEPH MURIANKARY
Mumbai,
Summary
Governance, Risk, and Compliance professional with seven years of experience delivering high-impact regulatory and risk solutions across financial services, technology, aviation, transportation, and food and beverage sectors. Known for translating complex regulations into actionable compliance frameworks, driving transformation initiatives, and leading cross-functional teams to deliver precise, time-bound outcomes in fast-paced, complex environments.
Overview
6
6
years of professional experience
Work History
Senior Consultant – Business Consulting
Ernst and Young LLP
Mumbai
06.2024 - Current
- Developed globally aligned master product guidelines for seven flagship cashless instant payment products for a leading Indian fintech.
- Built end-to-end compliance obligation repositories for Small Finance Banks, NBFCs, Payment Aggregators, PPI license holders, Insurance Corporate Agents, Stockbrokers, Trading Members, and Mutual Fund Distributors.
- Conducted comprehensive compliance reviews for leading banks and NBFCs, including evaluation of compliance management frameworks and one-time regulatory compliance assessments against RBI-issued inventories.
- Supported banks, NBFCs, and Small Finance Banks in implementing compliance management tools to streamline daily compliance operations, regulatory tracking, and policy reviews.
- Led a cross-border AML and KYC regulatory comparison between India and Hong Kong, identifying alignment gaps and designing a tailored control framework for a foreign bank’s India branch using regulatory analysis and industry benchmarks.
- Drafted and implemented key regulatory policies and SOPs across banks, NBFCs, stockbrokers, and fintechs, including KYC AML CFT, risk management, outsourcing, grievance redressal, conflict of interest, insider trading, and codes of conduct.
- Assessed legal risks in complex commercial contracts and delivered proactive mitigation strategies for a leading UAE bank.
Assistant Manager-GRCS
KPMG
Mumbai
04.2023 - 05.2024
- Executed internal audits and compliance gap assessments for corporate clients across real estate commercial leasing, civil aviation, IT, and IT-enabled services, including evidence review and development of risk control matrices covering corporate, commercial, labour, and EHS laws.
- Designed and implemented sector-specific regulatory compliance frameworks across banking and finance, transportation and warehousing, real estate commercial leasing, and civil aviation, including both manual and automated compliance repositories.
- Assessed legal and contractual risks and delivered targeted mitigation strategies to address regulatory and commercial exposures.
- Identified and mapped applicable laws and compliance obligations to client operations, embedding requirements into business processes through tailored SOPs.
- Developed and circulated compliance newsletters, translating regulatory developments into clear, actionable guidance for stakeholders.
Consultant – Governance, Risk and Compliance Services
KPMG
Mumbai
03.2022 - 03.2023
Associate Consultant – Governance, Risk and Compliance Services
KPMG
Mumbai
06.2021 - 03.2022
Compliance Associate
S D Israni Law Chambers
Mumbai
07.2019 - 06.2021
- Drafted, vetted, and filed legal notices, agreements, resolutions, minutes, regulatory replies, petitions, and applications before multiple authorities including Regional Director, RERA, Charity Commissioner, and revenue authorities.
- Supported litigation and regulatory proceedings before NCLT, SAT, RERA, Consumer Forums, Small Causes Court, and stamp duty authorities; advised and represented clients in Insolvency and Bankruptcy Code matters, including Committee of Creditors proceedings.
- Delivered legal research, statutory interpretation, and case law analysis to support legal opinions, petitions, and complex advisory assignments.
- Advised clients on end-to-end compliance under Companies Act, LLP Act, Insolvency and Bankruptcy Code, SEBI, and FEMA, including filings and backend regulatory coordination.
- Worked with the Government of Maharashtra on drafting and execution of MoUs and NDAs for client engagements.
Education
Bachelor of Laws -
Dr. Ambedkar College
Nagpur06.2019
Company Secretary -
Institute of Company Secretaries of India
02.2018
Bachelor of Commerce -
Dr. Ambedkar College
Nagpur03.2016
Skills
- Regulatory Compliance and Advisory
- Compliance Risk Assessment and Gap Analysis
- Internal Audit and Control Frameworks
- Regulatory Repository Design and Maintenance
- Legal Review and Contract Risk Assessment
- Policy, SOP, and Framework Development
- Banking, NBFC, and Financial Services Regulations
- Stakeholder and team Management
Accomplishments
• Led a seven-member team to deliver an award-winning regulatory repository for over twenty banking and financial services clients.
• EY Extraordinaires Award in FY 2025-26.
• Promoted twice within two years at KPMG for consistently high performance
• Recognized as KPMG Rising Star in FY 2021–22.
• Received multiple Kudos awards for collaboration and sustained commitment.
• Part of a core team awarded KPMG Super Team for two consecutive years.
• EY Extraordinaires Award in FY 2025-26.
• Promoted twice within two years at KPMG for consistently high performance
• Recognized as KPMG Rising Star in FY 2021–22.
• Received multiple Kudos awards for collaboration and sustained commitment.
• Part of a core team awarded KPMG Super Team for two consecutive years.
Languages
English
Proficient (C2)
C2
Hindi
Proficient (C2)
C2
Malayalam
Native
Native
Marathi
Beginner (A1)
A1
Timeline
Senior Consultant – Business Consulting
Ernst and Young LLP
06.2024 - Current
Assistant Manager-GRCS
KPMG
04.2023 - 05.2024
Consultant – Governance, Risk and Compliance Services
KPMG
03.2022 - 03.2023
Associate Consultant – Governance, Risk and Compliance Services
KPMG
06.2021 - 03.2022
Compliance Associate
S D Israni Law Chambers
07.2019 - 06.2021
Bachelor of Laws -
Dr. Ambedkar College
Company Secretary -
Institute of Company Secretaries of India
Bachelor of Commerce -
Dr. Ambedkar College