Kunal Bhatia

• Provide risk support, insight to business stakeholders and helping them to fully understand their risk profile
• Drive the Risk & Control Self-Assessment (RCSA) program by providing challenge and guidance to the business as appropriate, leading workshops to define and document the risk profile and control framework within the organisation
• Identify, assess, manage and report emerging risks
• Embed Enterprise Risk Management frameworks and systems within the business
• Drive continuous improvement and excellence;
• Ensure risk data is effectively captured and maintained and appropriate controls, risk appetite measures and key risk indicators (KRIs) are in place;
• Coordinate major incident and events and ensure that appropriate escalation takes place and mitigation activities are actioned
• Provide analytical commentary and insight including oversight and analysis of risk event reporting;
• Where control weaknesses or adverse customer journeys are identified recommend and track mitigation actions
• Provide meaningful and value-add risk and control reporting to the regional committees and senior management which includes communication on the status of key risks and their respective remediation programs in the business and regulatory initiatives;
• Proactively review existing practices and recommend risk solutions in consideration of good customer journeys and outcomes
• Conduct active read across of issues, events and build standardisation and consistency in approach and outputs
• Drive risk management training and education to increase risk awareness of good risk management practices in the business

• Lead annual control testing and other 1LOD Assurance planning activities
• Lead and complete thorough walkthrough and ensures the controls testing results are documented within the work papers are clear, concise and factually supported by an evidence
• Exhibit credible challenge and evaluate the adequacy and effectiveness of policies, procedures, processes and internal controls while maintaining professional independence throughout the testing engagement
• Guide risk managers and oversee the completion of controls testing program year on year
• Define controls testing schedule and complete controls testing as per the requirement and monitor progress
• Maintain good knowledge of business area
• Lead or assist in reporting findings and share recommendations with business areas
• Document issues/ gaps identified during testing and action needed to mitigate the open risk, discuss agree findings with BU and monitoring activities
• Present testing objective, scope, and results to senior management, clearly articulating the potential impact control gaps in a professional and proficient manner
• Identify training opportunities within business to improve risk and control knowledge
• Coordinate first line risk activities for the business, both in terms of core risk programs and ad-hoc project deliverables
• Provide meaningful and value-add risk and control reporting to the regional committees and senior management which includes communication on the status of key risks and their respective remediation programs in the business and regulatory initiatives
• Proactively challenge existing practices and recommend risk solutions in consideration of good customer outcomes
• Conduct active read across of issues, events and build standardisation and consistency in approach and outputs
• Support risk management training and education to increase risk awareness of good risk management practices in the business
• Support the business areas in the preparation for internal and external audits

• Provide day to day risk management support and guidance to the business areas across and engage with senior executives
• Conduct Operational Risk forums to give senior management support in fulfilling their accountabilities in ensuring that good quality risk management practices are being adhered to
• Support and drive the development and oversight of well-controlled operating environment and risk management framework across first line business
• Support the global roll out and delivery of Risk and control self-assessments by providing challenge and guidance to business
• Facilitate and support the implementation of and roll out of ERM infrastructure, to ensure risk data is effectively captured and maintained within record keeping and Risk reporting system
• Where controls weakness or adverse customer journeys are identified, recommend and track mitigation actions

• Managing a team consisting of 50+ individuals responsible for performing administrative transactions on /Retail client's investments accounts
• Ensuring delivery of tasks within defined service levels and analysing data for improving customer satisfaction
• Measure organization's success in delivering world class customer service around complaints, errors, corrections and Service levels
• Applying tools and policies for enhancing performance of people, which includes team building, coaching, succession planning, talent management through formal reviews and reward and recognition
• Make the team aware of business goals and priorities and setting annual goals
• Actively delivering on management's need for varied management information services covering detailed reporting on monthly P&Ls, customer satisfaction scores and various business financial data
• Review, recommend and implement new methods and procedures to make daily operations more efficient
• Conduct and support Risk and Control self-assessment
• Performing capacity utilization analysis
• Hiring and recruitment; providing direction and motivation to the teams
• Supporting Internal and external audits
• Collaborate and maintain relations with Key Stakeholders
• Ensuring that operational processes are in compliance with relevant risk standards & regulations
• Responsible for enhancing internal controls, maintain an active BCP status and work towards analysing and reducing Errors, P&L, Breaches / Incidents
• Participation in change agendas projects and Testing

• Handling a team of 20 individuals working in backend German language operations process
• Liaising with our counterparts in UK, Luxembourg, Germany
• Minimization of problem incidence and ensure problem resolution
• Generating weekly/monthly team reports
• Regular interactions with the team
• Giving and receiving feedback/suggestions during one on ones and appraisals
• Goal setting for my team
• Monitoring the productivity and efficiency of the team through internal business tools
• Being in middle level management reporting/sharing/presenting all key activities to senior management
• Acting as a bridge between the team and senior level management
• Analysis of Business correction Report
• Handling and reviewing various enhancement projects/testing
• End to end closure of all queries
• Contribute to process improvement, analyse customer complaints and requests to detect & interpret any hidden trend
• Handling mailbox and hotline queries received from across the business
• Carrying internal as well as external process related trainings
• Operational responsibilities include execution of client's queries in German or English language while complying with regulatory and internal guidelines with respect to monitoring, reporting, audit etc.

• Handling a team of 7 members working in backend German language operations process
• Managing team KPIs
• Liaising with our counterparts in UK, Luxembourg, Germany
• Giving and receiving feedback/suggestions during one on ones and appraisals
• Goal setting for my team
• Monitoring and Preparing the MI - productivity, efficiency, volumes of the team through internal business tools
• Handling and reviewing various enhancement projects/testing
• End to end closure of all queries
• Contribute to process improvement, analyse customer complaints and requests to detect & interpret any hidden trend

Process SME for managing, onboarding, Continental European Retail Customers investing in Fidelity Funds

Onboarding, maintaining transactions for Continental European Retail Customers investing in Fidelity funds