Harish Saroha
New Delhi
Summary
Dynamic compliance leader with extensive experience at CRIF High Mark, excelling in regulatory reporting and AML investigations. Proven track record in enhancing compliance frameworks and managing audit responses, while fostering stakeholder relationships. Adept at risk assessment and policy development, ensuring adherence to evolving regulations and driving organizational integrity.
Overview
8
8
years of professional experience
1
1
Certification
Work History
AVP Compliance
CRIF High Mark
09.2025 - Current
- Spearheaded preparation and submission of regulatory reports, ensuring adherence to RBI regulations.
- Served as primary liaison between bank, RBI, and FIU-IND, facilitating effective compliance communication.
- Managed audit responses to uphold compliance integrity and support regulatory requirements.
- Provided strategic compliance advisory on product passport and enhancements to Core Banking System workflows.
- Led periodic policy reviews to align with evolving regulatory requirements and supervisory expectations.
- Prepared timely compliance submissions on monthly, quarterly, and annual basis.
- Monitored dissemination and interpretation of RBI circulars for accurate reporting.
- Oversaw regulatory platforms CIMS and Daksh, ensuring consistent and accurate reporting.
Senior Compliance Manager
SBER BANK Branch in India
07.2024 - 09.2025
- Spearheaded preparation and submission of critical regulatory reports, ensuring full adherence to RBI regulations.
- Acted as key point of contact for regulatory authorities, overseeing suspicious activity reporting and AML/CFT compliance.
- Conducted comprehensive reviews of inward and outward transactions, mitigating risks and maintaining regulatory integrity.
- Facilitated communication between bank and RBI, coordinating compliance matters with cross-functional teams to ensure regulatory alignment.
- Provided compliance advice on credit proposals while enhancing Core Banking System functionalities.
- Delivered accurate monthly, quarterly, and annual compliance reports while ensuring timely dissemination of RBI circulars to relevant stakeholders.
- Tracked compliance systems for reporting accuracy and consistency across monthly submissions, reinforcing regulatory integrity.
- Led regular policy reviews to align with evolving regulatory frameworks.
Senior Compliance Manager
Tazapay Pte Ltd.
02.2024 - 06.2024
- Served as Money Laundering Reporting Officer, overseeing suspicious activity reporting and ensuring AML/CFT compliance.
- Conducted risk assessments on payment products, identifying and mitigating compliance risks to enhance regulatory adherence.
- Developed and monitored compliance program, ensuring strict adherence to regulatory standards.
- Investigated potential compliance violations, documenting findings to support corrective actions and strengthen compliance framework.
- Trained employees on compliance policies, fostering a strong culture of compliance organization-wide.
- Updated compliance practices in response to regulatory changes, ensuring proactive adjustments.
Senior Manager
Airtel payments Bank
01.2023 - 02.2024
- Led KYC and AML verification for global corporations, ensuring regulatory compliance.
- Oversaw compliance with corporate laws including SEBI, MCA, RBI, and FATCA regulations.
- Managed compliance for PPI and payment gateway operations for individuals and corporate entities, ensuring adherence to regulatory standards.
- Monitored statutory compliance, ensuring timely filings of all required documents.
- Prepared and submitted RBI regulatory reports including DEAF, NTR, CTR, TDS for FD bookings, and FATCA reporting, supporting organizational compliance initiatives.
- Ensured adherence to data protection laws in accordance with regulatory stipulations.
- Coordinated branch-level reporting and collaborated with RBI and internal stakeholders, enhancing communication and compliance efficiency.
- Addressed regulatory queries and ad-hoc requests while supporting secretarial audits.
Senior Officer
Senior Officer
12.2019 - 12.2022
- Executed KYC and AML verification for global corporations, fostering strong government relationships.
- Facilitated KYC compliance, streamlining customer onboarding and improving service delivery.
- Led a team of 4 operations analysts to improve training and operational efficiency.
- Supported country COO as Risk Control Owner for Information Security and Data Governance policies.
- Oversaw branch banking operations, ensuring accurate cash handling, efficient account opening, and seamless fixed deposit transactions.
KYC Analyst
YES Bank
04.2018 - 12.2019
- Reviewed KYC documentation for high-net-worth individual savings accounts and foreign national accounts to ensure compliance and mitigate risk.
- Conducted thorough reviews of KYC documents for private and public limited companies listed on BSE/NSE, strengthening regulatory adherence.
- Screened customer databases against EDD, PEP, and internal bank lists to ensure due diligence.
- Managed customer data verification and KYC documentation for large corporate, MNCs, and government accounts, enhancing data integrity and accuracy.
- Oversaw KYC documentation for joint ventures, financial institutions, and liaison office accounts.
- Identified and rectified errors based on complaints and queries from branches and contact centers.
- Ensured compliance with regulations in the opening of NRI, TD, and RD accounts.
- Performed comprehensive analysis of customer data to maintain accuracy and integrity.
Education
MBA - Banking & Finance
NMIMS
01.2023
PGDBO - Meerut
NIIT
Meerut10.2017
BBA - Chennai
Guru Nanak College of Arts & Science, University of Madras
Chennai01.2016
Skills
- AML investigations and transaction monitoring
- Regulatory reporting and compliance
- Compliance management and documentation
- Audit management and liaison
- Risk assessment and policy development
- Sanctions screening and KYC/EDD
- Payment compliance and FATCA adherence
- Data governance strategies
- Stakeholder management and leadership
- Compliance advisory and enhancements
Certification
- NISM-Series-V-A, Mutual Fund Distributors Certification Examination, 2017
- AML (AML controls and Procedures) course
Timeline
AVP Compliance
CRIF High Mark
09.2025 - Current
Senior Compliance Manager
SBER BANK Branch in India
07.2024 - 09.2025
Senior Compliance Manager
Tazapay Pte Ltd.
02.2024 - 06.2024
Senior Manager
Airtel payments Bank
01.2023 - 02.2024
Senior Officer
Senior Officer
12.2019 - 12.2022
KYC Analyst
YES Bank
04.2018 - 12.2019
MBA - Banking & Finance
NMIMS
PGDBO - Meerut
NIIT
BBA - Chennai
Guru Nanak College of Arts & Science, University of Madras