Denzil Paul
Bengaluru
Summary
A self motivated Process Risk Manager with 6 plus years of experience in Banking and finance sector expertise in Process Review and Audit, Risk monitoring Debt and Vendor Management , Internal Audit. Highly skilled and experienced professional in Third party Risk management, Bringing expertise in Fraud Vigilance and Bank SLA compliance with RBI,anti-money laundering, lending and financial operations. Detail-oriented risk management specialist versed in data analysis, interpretation and reporting.Exhibiting understanding of market conditions and trends, risk mitigation strategies and financial decision-making. Passionate and results driven professional with a strong commitment to Environmental Social and Governance.
Overview
13
13
years of professional experience
3
3
Certifications
Work History
Fraud and Vigilance Officer
Hdfc Bank Ltd
Bangalore
04.2025 - Current
- Led the investigation of complex fraud cases, resulting in the identification and mitigation of potential risks.
- Applied data-driven analysis, including transactional reviews, to detect inconsistencies and strengthen investigative conclusions.
- Evaluated business processes and transactions to identify fraud-prone areas, and recommended targeted preventive controls.
- Managed complaints and alerts from whistleblower channels, ensuring confidentiality, objectivity, and adherence to investigation protocols.
- Prepared accurate, confidential documentation and formal reports in compliance with internal vigilance protocols.
- Collaborated with cross-functional teams to design training programs on fraud prevention, enhancing staff awareness and compliance.
Process Manager Risk Mitigation Unit
Hdfc Bank Ltd
Jamshedpur
09.2021 - 03.2025
- Conducted audits of various risks according to the audit calendar within the set timeframe.
- Documented audit reports on exceptions observed, ensuring clarity and compliance with audit standards.
- Fraud Analysis, reporting and monitoring.
- Ensure qualitative and effective performance in all areas of audit undertaken.
- Risk & Control risk assessment.
- RBI SLA compliance and developing checks for National Implementation.
- Ensuring KYC and AML compliance in respective departments.
- Core Investigation analysis and reporting.
- CRM/ Bank Ombudsman complaint Management.
- Reviewed existing procedures and processes during audits, identifying areas for improvement to enhance operational efficiency.
- Monitored systems and processes for ongoing adherence to guidelines and regulations from statutory authorities.
- Work in collaborations with branches and central risk team to bring about process implementation.
- In In-depth analysis of reports & MIS float by different departments & Central audit team helping teams in audit remediation.
- Publishing risk analysis reports on various touch points.
Relationship Manager
Hdfc Bank Ltd
Bangalore
04.2019 - 08.2021
- Active management and development of HNI Client Relationships.
- Performed the role of identifying and managing solutions for the financial requirements of the clients.
- Generated revenue streams through effective client management across different financial products offered by the bank.
- Responsible for identifying, evaluating and advising on alternative sources of business finance.
- Responsible for aligning organizational strategic objectives with customer needs and managing expectations.
- Responsible for complete adherence to process requirements for any banking financial product or services for the clientele.
- Practiced direct and indirect marketing communication with the potential HNI base of bank.
- Assessed and advised on appropriate strategies to the bank's clientele on business finances and effectively communicated the impact and risk.
- Practiced various marketing communication methods for effective sales.
- Hands-on experience in proactive utilization of Customer Relationship Management(CRM) tools for business delivery.
Internship with IDBI Bank Business Development Strategies
IBS Bangalore
03.2017 - 03.2019
- Analyzed financial data to support budgeting and forecasting processes.
- Performed market research into competitor strategies related to pricing policies, product offerings.
- Developed models for forecasting future cash flows, income statements, and balance sheets.
Internship with TRF [Tata Robinson Frasier] - TRF Market Share
St Xaviers Kolkata
03.2013 - 04.2016
- Conducted market research to identify customer preferences and trends.
- Analyzed survey data using statistical software to derive insights.
- Conducted competitive analysis research in order to remain abreast of industry trends and developments.
Education
MBA -
IBS Bangalore
Bangalore03-2019
B.com - Finance
St Xaviers Kolkata
04-2016
High School -
Loyola High School
03-2013
Skills
- Fraud analysis
- Risk assessment
- Transaction monitoring
- Compliance reporting
- Data-driven analysis
- Internal auditing
- Customer relationship management
- Report writing
Certification
• AML Certified - National Institute of Securities Market, 01/01/22
Timeline
Fraud and Vigilance Officer
Hdfc Bank Ltd
04.2025 - Current
Process Manager Risk Mitigation Unit
Hdfc Bank Ltd
09.2021 - 03.2025
Relationship Manager
Hdfc Bank Ltd
04.2019 - 08.2021
Internship with IDBI Bank Business Development Strategies
IBS Bangalore
03.2017 - 03.2019
Internship with TRF [Tata Robinson Frasier] - TRF Market Share
St Xaviers Kolkata
03.2013 - 04.2016
MBA -
IBS Bangalore
B.com - Finance
St Xaviers Kolkata
High School -
Loyola High School