Summary
Overview
Work History
Education
Skills
Accomplishments
Visa Details
Websites
Certification
Timeline
Generic

Nisha Kumari

Bangalore

Summary

Experienced Risk & Compliance professional with 11 years in banking; over 7 years in regulatory compliance, risk management and control testing across financial services. Proven expertise in compliance testing, SOX controls, Governance frameworks & Audit methodologies. Successfully led high-risk assessments, automated testing solutions and regulatory compliance audit reducing operational risk and improving efficiency.

Overview

11
11
years of professional experience
1
1
Certification

Work History

Compliance Lead

Bread Financial
Bangalore
11.2023 - Current
  • Led High Risk & Quarterly Compliance reviews, including planning, scoping [regulatory requirements], testing [in line with industry standards], publishing outcomes to stakeholders and updating the Risk management systems.
  • Conduct periodic audits to evaluate compliance with current regulatory requirements, internal policies, and best practices.
  • Evaluate compliance controls by undertaking RCSA testing to identify deficiencies and improvement opportunities.
  • Apply qualitative and quantitative review methodologies (e.g., process maps, policy assessments, data analytics) to provide actionable recommendations.
  • Oversee Compliance Testing across products and brands, ensuring adherence to regulatory standards and internal policies.
  • Manage incident investigations from root cause analysis through to remediation planning, and ensured timely tracking to closure.
  • Identify automation opportunities and assist in developing automated testing solutions.
  • Prepare monthly reports on automated testing outcomes, assigning ownership and action plans for findings.
  • Report testing outcomes to Senior management, providing recommendations for improvement.
  • Collaborate with cross-functional teams to implement compliance best practices.
  • Develop Compliance test schedules and ensure timely completion of testing by the team.
  • Manage a team of analysts and senior analysts to execute and deliver compliance testing across business units.

Senior Compliance Analyst

Bread Financial
Bangalore
07.2018 - 11.2023
  • Conducted compliance reviews, including scoping [regulatory requirements], sampling, and control testing.
  • Managed end-to-end audit projects, ensuring timely execution in accordance with audit standards.
  • Led SOX control testing for high-risk areas, identifying and investigating compliance gaps.
  • Reviewed first-line control testing for consistency with risk management framework.
  • Developed and executed control testing scripts and assessments.
  • Led ad-hoc compliance audits and validated corrective actions.
  • Assisted in developing regulatory compliance audit strategies.
  • Collaborated in designing and implementing automated testing processes and data analytics.

Credit Assessment Officer

ANZ
Bangalore
01.2017 - 06.2018
  • Assessed loan applications and determined eligibility based on regulatory and risk guidelines.
  • Reviewed application details against supporting documents and external sources.
  • Acted as SME and Quality Control officer for process simplification and automation projects.
  • Contributed to successful implementation of pilot Home Loan assessment projects.
  • Assisted management with training, knowledge sharing, and quality improvement.
  • Published reports on staff performance, project progress, and loan application SLAs.

Analyst

ANZ
Bangalore
09.2014 - 01.2017
  • Managed superannuation funds, pension pay-outs, and insurance processes.
  • Processed superannuation transfer requests and insurance coverage.
  • Maintained customer accounts and ensured accurate pension pay-outs.
  • Reconciled banking credits and managed super products.
  • Published reports on staff performance and customer request SLAs.

Education

MASTER’S OF BUSINESS ADMINSTRATION -

St. Joseph’s University

BACHELOR’S OF BUSINESS ADMINISTRATION -

Birla Institute of Technology

Skills

  • Compliance Testing & Audit
  • Incident and Issue management
  • Enterprise & Ops Risk Management
  • SQL & Data Analytics for Audits
  • Control Frameworks [SOX & RCSA]
  • Governance, Risk & Compliance
  • Regulatory Compliance & Reporting
  • Process Automation
  • Continuous monitoring
  • Cross-functional stakeholder Mgmt

Accomplishments

  • Automated Compliance Testing – Implemented automated testing solutions, reducing manual effort and improving efficiency by ~50%
  • Regulatory Compliance Leadership – Led 50+ high-risk compliance reviews ensuring 100% regulatory adherence
  • Procedural Documents – Led periodic review & enhancement of compliance testing procedural documents and process maps to ensure they are always current, in line with regulatory requirements
  • Remediation – Implemented procedure to ensure all Incident/issues are accurately captured and tracked as part of Incident management and followed-up until closure.
  • Highlighted customer impacting incident and ensured timely restitution at scale, resulting in improved processes and enhanced customer satisfaction.
  • Peer Review – Undertook review of compliance testing completed by the team to ensure accuracy of outcomes. Enabled team members to identify and work on improvement opportunities to deliver better outcomes.

Visa Details

VISA 491, Valid until 10/24/29

Websites

Certification

  • Enterprise Risk Management, Franklin University, Columbus, 2019
  • Global Compliance Specialist (GCS), Risk pro, 2022
  • Anti-Money Laundering Overview, Risk pro, 2022
  • HIPPA Overview, Risk pro, 2022
  • Anti-Bribery and Anti-Corruption, Risk pro, 2022

Timeline

Compliance Lead

Bread Financial
11.2023 - Current

Senior Compliance Analyst

Bread Financial
07.2018 - 11.2023

Credit Assessment Officer

ANZ
01.2017 - 06.2018

Analyst

ANZ
09.2014 - 01.2017

MASTER’S OF BUSINESS ADMINSTRATION -

St. Joseph’s University

BACHELOR’S OF BUSINESS ADMINISTRATION -

Birla Institute of Technology

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