Finance Software – Finacle Solutions, Connect Banking Tools – SalesCRM, FCRM, Fincore, I-View, etc Treasury – Vault Documents Audit – FRC (Quarterly), Docusign RBI Audit – Vouchers, Finacle, FCRM, I-Process, RPC, etc Credit Tools – Credit Bureau, FINONE, APS-I-View, Omnidocs, LAM, SR-Desk Business Tools – Money 2 India, ICICI Direct, I-Mobile, Insta Biz Data Analytics – Alteryx, Power BI (dashboards, visualizations) Others – Jira, Timan, Slack, Workday, Greenhouse, Ministry of Corporate Affairs, IRS, Lexis Nexis, Cap-I Q, Secretary of states etc
Pratibha Rawat
Risk, controls and regulatory compliance
Bengaluru,KA
Summary
A results-driven Risk Controls and Regulatory Reporting Manager with 7+ years in regulatory compliance, financial reporting, AML/KYC operations, and risk management. Expert in preparing accurate regulatory reports and ensuring adherence to SOX, Basel III, Dodd-Frank, GAAP, and IFRS frameworks. Proven track record in designing reporting processes, conducting data analysis for statutory filings, coordinating audits, and implementing internal controls to mitigate risks and prevent financial crimes. Familiar with data analytics tools (Alteryx, Power BI, Excel, SQL) for generating insightful reports and forecasts; skilled in leading cross-functional teams, driving process improvements, and stakeholder engagement to uphold compliance standards.
Overview
9
9
years of professional experience
5
5
Certifications
Work History
Lead - Advisor Support (Regulatory Reporting & Controls)
JP Morgan Chase & Co.
08.2023 - Current
- Led regulatory reporting, controls, and risk measures across EMEA, APAC, and Global Families Group for HNW/UHNW clients, ensuring accurate disclosures, ERM alignment, strong stakeholder relationships, AML/KYC onboarding (CIP, EDD, CDD, PDD), and reporting per global regulations (OFAC, FinCEN, PEP, sanctions, Patriot Act, FATF recommendations).
- Escalated suspicious activities, integrated cybersecurity, prepared financial crime reports, implemented TOM for communications and enforced onboarding norms (SOX, Basel III), maintained client data in core systems for GAAP/IFRS-aligned periodic reports, partnered with specialists on meetings/follow-ups/minute-taking for risk-aligned advisory with ESG integration, and managed dispute mechanisms including source of wealth verification, NAICS classification for business risk, and PEP/sanctions screening.
- Trained new hires on KYC/reporting and optimized processes to reduce errors by 40%.
- Project: Regulatory Reporting Dashboard - Oversaw real-time dashboard development with ETL and visualizations, automating AML reporting for 500+ accounts, cutting false positives by 15% for SEC compliance.
- Project: Compliance Framework Enhancement - Designed Dodd-Frank/Basel III-aligned framework with automated monitoring for Patriot Act/OFAC compliance, achieving 100% on-time filings and better audit scores.
Analyst, Credit Services Regulatory Reporting & Controls
Better.com
10.2020 - 01.2021
- Managed end-to-end loan payoffs with risk mitigation, accurate statements/reports, and controls to prevent errors in US mortgage servicing; led analyst team training on procedures/frameworks for operational risk and accuracy, including CFPB/TILA/RESPA compliance.
- Reviewed month-end reporting; ensured audit compliance via records, testing, and standards; resolved discrepancies through analysis in mortgage payoffs and credit worthiness processing (HMDA reporting, fair lending reviews, credit bureau checks for FHA/VA/USDA loans).
- Project: Loan Regulatory Reporting Initiative - Directed reconciliation automation and report creation for high-risk portfolios, reducing discrepancies by 30% and supporting Dodd-Frank compliant governance.
- Project: Remediation Program - Oversaw remediation of 1,000+ flagged accounts, variance tracking, and reports for FHA/USDA compliance in payoff audits.
Audit & Compliance Manager - Regulatory Reporting
Axis Bank
11.2019 - 09.2020
- Led audits, reporting, and risk mitigation; collaborated on controls (Basel III integration), monitored communications for governance, conducted assessments/testing, identified risks, delivered reports, and developed cybersecurity programs for submissions under audit.
- Project: Regulatory Breach Mitigation Project - Coordinated RBI breach responses, notifications, and preventive frameworks for transaction monitoring, cutting occurrences by 35%.
- Project: Compliance Training sessions for 50+ employees, tracking outcomes for enhanced awareness and zero audit findings in end-to-end processes like credit/debit card issuance, cash/non-cash transactions, and deliverables.
Audit & Branch Compliance Manager - Regulatory Reporting
ICICI Bank
07.2016 - 09.2019
- Managed branch operations/reporting with AML/KYC compliance and ERM risk mitigation; remediated vouchers, collaborated on risk ID/reduction (30% discrepancies cut), streamlined processes for accurate reporting/cost savings, enhanced NPS to 95% via monitoring systems (33% risk reduction), conducted audits, external collaborations, report prep, and led 15+ associates (25% BSC increase) on cash procedures, reconciliations, and policy adherence under RBI/NPCI guidelines for credit/debit cards, cash/deliverables, and transaction monitoring (PMLA).
- Project: Branch Regulatory Audit Automation - Directed data processing/visualizations for 200+ branches monitoring, cutting audit cycle by 40% and enhancing controls over end-to-end Indian banking processes.
- Project: Compliance Framework Implementation - Built AML/KYC framework integrated with Finacle, staff training, and quarterly reports for 45% better adherence in cash/non-cash transactions and card operations.
Skills
Regulatory reporting
Certification
Foundation on Sanctions and Compliance: JP Morgan
Software
Education
2015- 2016 PGDB Banking & Finance (Manipal University)
2015-2011 B-Tech Civil Engineering (State Engineering College)
Timeline
Lead - Advisor Support (Regulatory Reporting & Controls)
JP Morgan Chase & Co.
08.2023 - Current
Analyst, Credit Services Regulatory Reporting & Controls
Better.com
10.2020 - 01.2021
Audit & Compliance Manager - Regulatory Reporting
Axis Bank
11.2019 - 09.2020
Audit & Branch Compliance Manager - Regulatory Reporting
ICICI Bank
07.2016 - 09.2019