Pooja Devgan
Manager - Risk & Compliance
Amritsar
Summary
A review of my credentials will confirm that I have served as a catalyst for Successful Management complemented by High Caliber Organizational and Experiential Qualifications. With a proven track record in financial investigations, compliance leadership, and risk management, I am poised to drive innovation, collaboration, and regulatory adherence in any organization. My multifaceted skill set, demonstrated achievements, and commitment to excellence make me a valuable asset in navigating the complexities of the financial compliance landscape.
Overview
13
13
years of professional experience
2
2
years of post-secondary education
5
5
Certifications
Work History
Manager- Payments Compliance Investigations
Airbnb
Gurgaon
10.2021 - Current
- Acting subject matter expert and a thought leader for the business risks and controls program design and testing covering risks that Airbnb payments business needs to manage, monitor and report
- Managed and conducted oversight on unusual and suspicious activities, ensuring compliance with regulatory requirements with governing bodies such as FinCen, APUK, and APL across different regions
- Leading a team of investigators to handle intricate investigations related to fraud, transaction monitoring, sanctions, and various financial crimes
- Spearheaded efforts to combat human, sexual, and drug trafficking through thorough investigations and reporting
- Providing timely and effective advice to the business and collaborated with legal teams to manage and mitigate payment risks associated with regulated propositions
- Prepared comprehensive regulatory responses, including filing Suspicious Activity Reports (SARs) for different governing bodies, supporting these with relevant documents
- Owned and managed partner performance by conducting regular service, monthly, and quarterly business reviews with partner sites
- Cultivated strong relationships with partners, enhancing collaboration and mutual understanding of compliance goals and expectations
- Developed a payment alert model for Airbnb, integrating AI techniques to refine the data pipeline and reduce false positives in identifying potential risks
- Successfully built an in-house servicing platform to streamline investigations, enabling efficient analysis of alerts and uploading necessary evidence for escalations
- Identified the process gaps and created SOPs, training documents, user communication script and escalation tracker for sustainable and consistent process workflows
- Led cross-functional projects aimed at simplifying complex operational challenges, fostering collaboration among diverse teams
- Assessed control effectiveness and communicated investigative findings, case trends, and operational metrics to senior management
- Cultivated a collaborative work environment, building trust and rapport within teams and with cross-functional partners
- Effectively communicated control assessments, investigative results, and compliance recommendations to stakeholders
- Professional Achievements:
- Orchestrated the development of a cutting-edge payment alert model for Airbnb, reducing false positives and improving risk detection accuracy
- Established an in-house servicing platform, optimizing the investigation process and ensuring seamless escalation support
- Successfully led investigations into complex financial crimes, contributing to the prevention of fraud, trafficking, and other illicit activities
- Demonstrated leadership by managing a team of investigators and fostering their professional growth
- Played a pivotal role in regulatory response preparation, maintaining compliance with international governing bodies and regional requirements.
Manager, Compliance Assurance
SBICARDS
Gurgaon
02.2019 - 11.2021
- Prepare and deliver a comprehensive risk based internal audit plan which aligns to the group's strategy and objectives
- Develop and execute process workflows for internal operations process and monitor performance for to ensure procedural adherence
- Established a Manager Audit Group within Compliance Assurance 2nd LOD, responsible to perform end to end review of various business units within SBI Cards against applicable respective Regulation Requirement using COSO Framework
- (Both Regulatory Compliance and
- Financial Crime Regulations)
- Identify control gaps in Business Unit through Design Effectiveness and Operating effectiveness testing methodology and raise issues/findings as appropriate
- Timely Execution of Audit/Review includes 4 elaborated steps, i.e Planning and Scoping
- Business Information, Fieldwork (design & implementation) and Reporting
- Monitor adequacy & frequency of CMAs (Control Monitoring Assessment Plans) created by
- Business Units to assess and ensure controls are mitigating the said risks
- Ensure meeting of process SLA by analyzing, developing solutions and implementing the same on timely basis
- Managed 4 vendor partners in the capacity of Vendor Manager and led a team of 75 analysts across PAN India
- Managed end to end business requirement including hiring, training and quality / performance auditing and providing coaching and feedback to drive continuous improvement of metrics.
Manager – Regulatory and Compliance
American Express
Gurgaon
03.2015 - 08.2017
- Leading a team of quality analysts and assisting them execute testing strategies in accordance with Regulatory Compliance, Risk Management policies and procedures to mitigate risk
- Identified gaps in knowledge-based tool used in different formats of testing such as PA, BST (Business Self Testing) and TTT (Targeted Transaction Testing) and improved the current methodology of testing
- Introduced scorecard in the governance process to measure the delivery of service objectives and improved process efficiency from 59% to 72.39%
- Performed internal auditing of operations process located both in India and US
- Calibrating reporting and communication of quality performance metrics to all the relevant
Business Analyst – Regulatory and Compliance
American Express
Gurgaon
09.2013 - 02.2014
- Regulatory and CompliancePerform Regulatory Business Self Testing (1LOD testing) to test various regulatory control prevalent in US card Industry, which included Truth in Lending Act, Equal credit Opportunity
- Act, Data Privacy (Regulation V), FCRA, FDCPA to name a few
- Led many process improvement projects to bridge regulatory gaps for ANZ and India market
- Take corrective action measures to mitigate regulatory gaps identified and ensure remediation of actions reported by enterprise testing
- Publishing quarterly reporting of Corrective Action Analysis Tracker (CAAT) & Independent
- Compliance Testing (ICT) reports with detailed inputs from all key stakeholders
- Conduct annual review of procedure documentations to ensure latest updates and 100% accuracy.
Lead Credit Advisor
American Express
03.2010 - 08.2013
- Global Credit Administration
- Analyze risk on consumer and small business card accounts, making sound decisions (as per
- Customer's Payment History & FICO Score) to ensure recovery while maintaining excellent customer experience
- Liaison with BACE (Business Analysis & Customer Experience) on a quality project to improve process scores in compliance and procedural adherence
- Liaison with CNIS (Consumer Network Information System) team to publish process updates on regulatory and legal requirements
- Identify scope of improvement within RBST program and highlight them via change management intake process in alignment with 2LOD and Central Compliance team.
Education
MBA - Finance
Indian Institute of Management
Amritsar 06.2021 - 04.2023
Skills
Risk Management Leadership & Personnel Management Internal Audit, COSO,SOC Project Management 1LOD,2LOD Product Management RC/FC Compliance Excel, Word, PowerPoint Payments Compliance SharePoint, JIRA Management Quality Assurance Risk Management,Internal Audit
Accomplishments
- Represented IIM- Amritsar in PARIPREKSHYA’21 5th Annual Finance & Marketing Conclave on NDTV
- Member of Jury Panel in AArunya 6.0 – The Annual management, Cultural, and Sports fest of IIM Amritsar
- Grade C certified in National Social Service from Guru Nanak Dev University.
- Represented my college in Poem Recitation and Debate Competition in Inter- College Competition.
- Initiated process knowledge trivia - Knowledge Enhancement Series.
- Organized ‘Leader’s Speak Sessions’ for entry level associates.
- Introduced and Hosted ‘Fireside Chat Show Series’ in Airbnb.
- Organized Townhall and Rewards & Recognition for H2’ 2021 and H1’ 2022 at function level.
Certification
• CISA – Auditing information systems for IS auditors
Timeline
Manager- Payments Compliance Investigations
Airbnb
10.2021 - Current
MBA - Finance
Indian Institute of Management
06.2021 - 04.2023
Manager, Compliance Assurance
SBICARDS
02.2019 - 11.2021
Manager – Regulatory and Compliance
American Express
03.2015 - 08.2017
Business Analyst – Regulatory and Compliance
American Express
09.2013 - 02.2014
Lead Credit Advisor
American Express
03.2010 - 08.2013
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