Poonam Mirwani
Pune
Summary
Dynamic leader with a proven track record in steering teams, managing complex projects, and driving strategic initiatives to successful completion. Expertise in crafting streamlined processes that uphold the highest standards while aligning team efforts with organizational objectives. Recognized for a collaborative approach and unwavering commitment to excellence, fostering an environment that encourages innovation and growth. Passionate about empowering teams to achieve their full potential and deliver exceptional results.
Overview
22
22
years of professional experience
1
1
Certification
Work History
Vice President, KYC Compliance
Citicorp Services India Private Limited
03.2022 - Current
- Led KYC product backlog and roadmap for onboarding/periodic review journeys, prioritizing features by regulatory risk, operational efficiency, and stakeholder impact.
- Collaborated with senior management to define strategic initiatives and long-term goals while ensuring robust regulatory compliance through internal controls and proactive monitoring.
- Drove end-to-end business analysis for KYC modules (CDD, EDD, screening, periodic review), delivering current/target-state assessments, detailed user stories, and acceptance criteria.
- Defined and tracked KYC KPIs (TAT, STP rates, break rates, overdue reviews), using data insights to prioritize backlog items and process optimizations.
- Implemented advanced analytics tools for data-driven decisions, analyzing case data/defects to identify systemic issues and drive product changes reducing rework/escalations.
- Led cross-functional teams on major projects, transforming business processes and customer experiences to boost efficiency, productivity, and satisfaction.
Data Governance Manager
HSBC Technology Centre
01.2019 - 03.2022
- Engaged data stewards, end users, and application owners to quantify data quality impacts, root causes, and remediations, improving scores by 18% across priority domains in 18 months.
- Supported Chief Data/Quality Officer in domain oversight, aligning processes with enterprise governance and regulations while achieving 75% regional adherence to controls.
- Implemented Data Issue/Quality Frameworks and Measurement/Reporting, delivering 20% uplift in quality scores at checkpoints in first year.
- Owned data approvals (Privacy Impact Assessments, cross-jurisdiction sharing, forums, documentation), cutting turnaround by 20%; collaborated with DPOs/CDOs to embed privacy-by-design, reducing audit findings by 25%.
- Maintained enterprise data dictionary as single POC for new tables/schemas/fields with approval workflows, reducing metadata inconsistencies by 35%.
- Partnered with data owners/controllers for end-to-end lineage on critical elements, achieving 70% coverage; evaluated third-party vendors via PoCs, shortlisting tools that cut manual checks by 25%.
- Managed vendor contracts/legal coordination and central data onboarding, accelerating cycles by 20%; built Data Studio dashboards for KPIs/adoption, boosting usage by 40%.
Fraud & Risk Lead Analyst
HSBC Technology Centre
01.2019 - 03.2022
- Reported directly to UK Head of Risk as Product Lead with 5+ years expertise, delivering comprehensive risk reporting and dashboards for senior management across payment portfolios.
- Liaised with Legal, Regulatory Compliance, and Fraud Stewards to validate inherent/residual risk ratings and controls for payment fraud (scams, account takeovers) in digital journeys.
- Chaired risk steward meetings with technical leads, prioritizing enhancements like real-time fraud detection; presented monthly risks/issues with evidence-based closures to Central Risk team.
- Attended Risk Governance forums, presenting Kinetic scorecards and payment performance dashboards alongside CMB teams, including KPIs/fraud metrics from BioCatch/ThreatMetrix.
- Collaborated with Fraud Analytics/Operations/Management to implement BioCatch/ThreatMetrix for detecting fraudulent transactions in payments/logins and real-time engine alerts.
- Worked with Global Product Owners to assess risks and lead FCA/PRA-compliant requirements; owned end-to-end BA for initiatives including UAT and 25% faster transaction approvals.
- Contributed to implementations: cashflow/spend summaries, customer payment/overdraft analytics, Xero/QuickBooks/Sage integrations, Tealium event data, and KPI dashboards.
- Defined secure payment roadmaps integrating fraud prevention, spend summaries, and customer insights to boost UX and compliance.
Proxy-Product Owner
HSBC Technology Centre
02.2012 - 01.2019
- Led Hub Transformation project across 10 European countries as Product Owner, migrating systems to latest HUB version with feature/system analysis, business walkthrough, and training sessions for new capabilities.
- Served as Product Owner for INM RBB (Retail Business Banking) vertical creation at HSBC, managing customer migrations from CMB to WPB through end-to-end requirements, stakeholder mapping, and solution feasibility studies.
- Owned product backlog creation, user stories, refinement meetings, sprint/release planning, and daily scrums for Agile transformation projects like Real Time Sanctions Screening and lending enhancements.
- Drove UAT/SAT, post-production support, defect prioritization, workaround solutions, and RAID log contributions
- As Product Owner for regulatory initiatives like BCBS 239, collaborated with data architects/IT for compliance requirements and central data management alignment.
- Led product ownership for SAS EFM fraud tool implementation, Real Time Sanctions Screening for retail onboarding, and bad debt projects including write-off enhancements to block transactions on identified accounts, preventing further losses and ensuring compliance.
- Specialized in bad debt management projects, credit risk assessments, loan origination enhancements, portfolio monitoring, and automated scoring integrations across core banking systems in 13 countries.
- Managed enhancements like HAM (Hub Address Modernization) for SWIFT 2020, Hub Users Access Management to prevent staff fraud, Customer Dormancy per FIM guidelines, and core banking support across 13 countries.
Branch Manager
ICICI Bank Ltd.
12.2003 - 02.2012
- Managed branch operations as Senior Officer/Branch Manager, leading a team of 33 in sales, operations, and loan processing while ensuring regulatory compliance and customer satisfaction.
- Oversaw end-to-end loan origination, approvals, and disbursements for retail and NRI portfolios, including home, personal, and business loans, driving portfolio growth and minimizing defaults.
- Trained staff on core banking systems (Finacle, SFA, I-view, I-sense, I-GRS) with specialized focus on loan management modules, underwriting processes, and risk assessment tools.
- Handled comprehensive branch audits, internal processes, and suspense accounts, emphasizing loan documentation reviews and statutory adherence for lending activities.
- Analyzed MIS/business reports on loan performance metrics (delinquency rates, recovery), presenting insights to senior management for strategic lending decisions and portfolio optimization.
- Drove lending growth as Senior Officer/Branch Manager by leading end-to-end loan processes, risk assessments, and recovery strategies, minimizing defaults while ensuring regulatory compliance.
- Managed Forex, Wealth, NRI customer portfolios, and Cash Management services, integrating loan advisory to enhance cross-sell opportunities and client retention.
- Monitored daily office/suspense accounts with rigorous controls on loan-related transactions, ensuring accurate reconciliation and fraud prevention in lending operations.
Education
Masters in Commerce -
Pune University
Pune01.2002
Bachelors in Commerce - undefined
Ness Wadia College
Pune01.2000
Skills
Data Governance Tools: Collibra, Data Tenor, Informatica
Fraud and other Tools: BioCatch, ThreatMetrix, SAS EFM, Tealium (Event Data), Xero, QuickBooks, Sage
Requirement Management Tools: Microsoft Visio, Jira, Confluence
Reporting Tools: MS Excel, Ondemand Reports, ClickSense, Cognos, Tableau
Databases & Platforms: Oracle, SQL, Postgres DB, MongoDB, Azure, SharePoint (2007-Online), Finacle Core Banking, Google Data Studio, Google Bigquery
ETL Tool: AbInitio
Certification
Data Governance with Axon and Enterprise Data Catalog (EDC)
Data Engineering Foundations
AI For Everyone from DeepLearning.AI
Hobbies
Trekking and Playing Tennis
Timeline
Vice President, KYC Compliance
Citicorp Services India Private Limited
03.2022 - Current
Data Governance Manager
HSBC Technology Centre
01.2019 - 03.2022
Fraud & Risk Lead Analyst
HSBC Technology Centre
01.2019 - 03.2022
Proxy-Product Owner
HSBC Technology Centre
02.2012 - 01.2019
Branch Manager
ICICI Bank Ltd.
12.2003 - 02.2012
Bachelors in Commerce - undefined
Ness Wadia College
Masters in Commerce -
Pune University