Eurica Gonsalves
Dubai
Summary
Accomplished Assistant Manager – Risk and Compliance with a strong background in regulatory compliance, risk management, and process optimization. Experienced in managing audits, aligning cross-functional teams, and bridging communication between staff and senior leadership. Proven ability to implement strategic initiatives that enhance compliance adherence and reduce risk-related incidents. Skilled in legal analysis, stakeholder engagement, and performance monitoring. Seeking to leverage leadership capabilities and operational insight to drive continuous improvement and strengthen risk and compliance frameworks within a dynamic organization.
Overview
14
14
years of professional experience
3
3
Certifications
2
2
Languages
Work History
Assistant Manager – Audit Risk & Compliance
Tata Consultancy Services
08.2024 - 10.2025
- Lead enterprise-wide audits and regulatory briefings, ensuring clear, concise communication between oversight bodies, senior leadership, and first-line teams.
- Provide independent “check & challenge” on Enterprise Risk Management (ERM) activities, elevating critical control gaps to executive level and tightening risk-owner accountability.
- Designed a real-time dashboard that cut report-preparation time for senior management by 30%, while improving visibility of open actions and KPIs.
- Oversee implementation of 100+ oversight recommendations across multiple business units; closed 85% of aged items within six months.
- Delivered targeted ERM and compliance training to 200+ colleagues, boosting self-identified incident reporting by 40%.
- Manage end-to-end licensing and contract-approval workflows, reducing cycle time from 15 to 9 days and safeguarding revenue-growth initiatives.
- Led critical audits including Citipro, RCSA, IQMS, Vendor Management, and TPISA, ensuring alignment with internal controls and regulatory standards.
- Managed Request for Proposal (RFP) processes to secure new business opportunities from Citi, contributing to strategic growth.
- Handled all licensing requirements for North America, ensuring full regulatory compliance and timely renewals.
- Reduced response time to critical incidents by streamlining communication channels and protocols.
- Established strong relationships with external partners such as law enforcement agencies, enhancing cooperation during times of crisis.
- Implemented continuous improvement processes for crisis management strategies, leading to more efficient responses over time.
- Conducted regular simulations and drills to test the efficacy of crisis management plans, refining strategies based on lessons learned.
- Collaborated with stakeholders to establish clear roles and responsibilities during crisis scenarios, ensuring effective coordination of efforts.
- Increased stakeholder confidence in the organization''s ability to manage crises through transparent communication of planning efforts and progress updates.
Lead Risk & Compliance Officer
Tata Consultancy Services
07.2020 - 07.2024
- Directed Risk Assurance & Compliance Monitoring teams (14 FTEs), meeting 100% of Citi reporting deadlines with zero regulatory breaches.
- Acted as primary Citi liaison for licensing and conduct-of-business matters; secured renewal of key permissions two weeks ahead of schedule.
- Advised product owners on 25+ new-product launches, embedding regulatory requirements at concept stage and preventing post-launch remediation.
- Built a central compliance-records database and checklist library, cutting audit retrieval time by 60%.
- Led regulatory-change impact assessments and trained 300 staff on revised rules, maintaining full policy alignment ahead of go-live dates.
- Presented risk insights at Executive Committee, influencing approval of a group-wide data-privacy enhancement program.
Compliance Officer
Tata Consultancy Services
04.2014 - 06.2020
- Oversaw compliance for multiple credit-card issuer partnerships, driving a 25% drop in incidents year-over-year.
- Deployed mandatory e-learning curriculum to 450+ employees with a 100% completion rate.
- Streamlined regulatory-change intake, trimming policy-update lead time by 35%.
- Investigated suspected breaches, drafted remediation plans, and reported outcomes to regulators within required SLAs.
- Strengthened stakeholder relationships (operations, legal, audit) to embed a proactive culture of compliance.
Mortgage Consultant
Tata Consultancy Services
11.2011 - 03.2014
- Managed end-to-end servicing for CitiMortgage customers, including escrow and payment inquiries, achieving a 95% customer-satisfaction score.
- Analysed applicants’ financials and credit histories to recommend suitable mortgage products, processing 120+ cases monthly.
- Maintained accurate, audit-ready records of all client interactions and loan documents, supporting flawless regulatory reviews.
- Educated clients on loan terms and repayment responsibilities, reducing delinquency queries by 18%.
Education
Bachelor of Commerce -
Yashwantrao Chavan Maharashtra Open University
Nashik, Maharashtra, India01.2013
Higher Secondary Certificate (HSC) - undefined
National Institute of Open Schooling
India01.2010
Secondary School Certificate (SSC) - undefined
National Institute of Open Schooling
India01.2004
Skills
Compliance management
Certification
CQI & IRCA Certified ISO/IEC 27001:2022 Lead Auditor Information Security Management Systems (ISMS)
Timeline
Assistant Manager – Audit Risk & Compliance
Tata Consultancy Services
08.2024 - 10.2025
Lead Risk & Compliance Officer
Tata Consultancy Services
07.2020 - 07.2024
Compliance Officer
Tata Consultancy Services
04.2014 - 06.2020
Mortgage Consultant
Tata Consultancy Services
11.2011 - 03.2014
Higher Secondary Certificate (HSC) - undefined
National Institute of Open Schooling
Secondary School Certificate (SSC) - undefined
National Institute of Open Schooling
Bachelor of Commerce -
Yashwantrao Chavan Maharashtra Open University