Gaurav Bains

• Support the Technology business with risk management and control initiatives.

• Collaborate with stakeholders to provide data-driven insights for growth and customer satisfaction.

• Lead governance activities with the executive leadership team for informed decision-making.

• Optimize and automate governance and reporting processes.

• Led governance activities with executive leadership, ensuring that decisions are well-informed, timely, and aligned with strategic goals.

• Addressed regulatory requirements, such as APRA(Australian Prudential Regulation Authority) compliance, by establishing transparent reporting processes and governance tools.

Risk Oversight and Governance

• Provided independent oversight and credible challenge to front-line risk management activities for 9+ years, overseeing enterprise-wide operational risks
• Collaborated with Control Executive teams, Function Heads, and Independent Risk leaders to foster a strong operational risk culture
• Actively engaged in front-line governance routines, such as Risk & Control committees and business reviews, ensuring effective risk management
• Delivered concise content summarizing independent risk assessment results to senior business, Independent Risk, Audit, and Regulatory leaders
• Collaborated with regional business teams for comprehensive oversight and alignment of risk management practices

Risk Identification and Mitigation

• Proactively identified and mitigated potential operational risks, including emerging risks, through effective strategies
• Led and developed a First line of defense team of Risk Managers, ensuring robust identification and mitigation of Operational, Compliance, Information security, Privacy, and Financial Risks related to third parties
• Conducted independent risk assessments in front-line operations, reviewed risk acceptances, and evaluated new business initiatives to align with the enterprise's risk appetite
• Identified and escalated conflicts between risk management results and expected outcomes to senior leadership

Collaboration and Consulting

• Provided consulting support to business units on corrective action plans and change management for enhanced risk practices
• Raised awareness of risk management best practices and policies across markets in the organization through training sessions and communication initiatives.

• Demonstrated expertise in executing and implementing Global Collections best practices across a global partner network
• Led the sizing, process mapping, and seamless implementation of impactful projects for the Global Collections organization
• Defined and meticulously tracked process adherence metrics across diverse markets and agencies
• Ensured a strong emphasis on audit and strict adherence to compliance policies and procedures
• Delivered professional presentations and provided insightful analytics support to Senior Management.

• Conducted thorough accounts review and analysis to assess credit risk accurately
• Implemented workflow changes for enhanced operational efficiency and more effective risk management
• Provided valuable feedback to the risk setup team to optimize risk algorithms and models
• Delivered comprehensive training sessions to onboard and upskill new team members effectively
• Efficiently led weekly team meetings, ensuring a focus on targets and celebrating achievements.