Raghu Narayanan
Bengaluru
Summary
Over 20 years of experience including various leadership roles and capacities in Regulatory Compliance and Risk Management, Credit Services within major global financial institutions. Proven expertise in US Regulatory Compliance, including Registration & Licensing, Policy Governance, and Risk Assessments. Successfully led teams in Bangalore and Kolkata to streamline CARM applications for the HBEU region. Strong advocate for employee engagement and Diversity & Inclusion initiatives, driving business enhancements and growth.
Overview
26
26
years of professional experience
1
1
Certification
Work History
Senior Manager(Vice President)
Commonwealth Bank of Australia
Bengaluru
01.2023 - Current
- Leading a team of Risk and Compliance Privacy specialists within Commonwealth Bank's Technology Division.
- Informing Group on obligations regarding applicable Privacy legislation.
- Overseeing adherence to Privacy regime and associated policies.
- Promoting awareness through training for personnel managing personal information.
- Offering expertise on conducting Privacy Impact Assessments when necessary.
- Supporting accountability of business profile owners as required by Obligation Management standards.
- Aiding implementation of regulatory updates across business units.
- Reporting compliance status and highlighting significant exposure areas.
Assistant Vice President
HSBC Electronic Data Processing (I) Pvt Ltd(HDPI)
Bangalore
10.2020 - 01.2023
- Set strategic direction and drove excellence in US Registration & Licensing, US Policy Governance, and Personal Account Dealing streams.
- Identified, tracked, measured, communicated, reported, and escalated significant data quality issues and overdue actions.
- Explored opportunities to streamline processes and identify business expansion through impactful communication.
- Automated several BAU activities to expand scope by incorporating new responsibilities.
- Prepared governance decks for reporting, utilized by senior stakeholders for decision-making.
- Managed stakeholder expectations while providing suitable options aligned with overall objectives.
Manager
HSBC Electronic Data Processing (I) Pvt Ltd (HDPI)
Bangalore
12.2016 - 10.2020
- The role involves assessing & reporting the risk & status of the control via Compliance Detail Self-Assessment (CDSA) for all US regulations.
- Issue tracking & reporting across LOB’s. As part of issues management, identifying the materiality of the event and perform the necessary Root Cause Analysis to identify the gaps and also to suggest necessary remediation.
- The associated activities for Regulatory Compliance are:
- Support onshore partners in tracking the progress of US banking regulations, which are undergoing assessment for the respective quarter and to perform QA on the completed assessments by creating a cover report with analysis for all issues identified & share it to the respective LOB BRCM’s for action.
- Support onshore team in preparation of the regulation assessment kick-off call with all KRI & Issues data.
- Review the less than effective controls (Needs Improvement & Ineffective) for the progress & action taken by the BCRM’s.
- Support onshore partners in many ad hoc activities of ERA QA, CDSA Inventory QC, Risk Assessment forum meeting minutes & bi-weekly status update.
- To perform root cause analysis, reach out to the respective issue owner for any additional information and also submit our observation and suggestion to the respective onshore partners.
- Process Optimization: RC Scope Metrics Automation, Data collection- Streamlining, Reg Details Analysis Report
Credit Services-GBM
HSBC Electronic Data Processing (I) Pvt Ltd (HDPI)
Bangalore
04.2007 - 12.2016
- The primary focus of our team is to prepare succinct CARM (Credit Approval & Risk Management) applications catering to ten geographies.
- The associated activities are:
- Preparation of Request for Information (RFI) templates and forwarding it to the relevant Relationship Managers (RMs) that included but not limited to limit changes, Customer Risk Rating (CRR) regenerations etc.
- Mar13 – Dec 16: Assistant Manager and Quality Supervisor
- Progression given to the role of Assistant Manager Operations from Quality Supervisor.
- The salient highlights of this role are:
- Involved In preparing Primary/Secondary control framework MIs for the team and also involved in presenting the corrective actions taken to ensure there are NIL misses in future.
- Mar11 – Mar13: Process Specialist and Trainer, Internal Monitoring & Control (IMC)
- Promoted to Process Specialist and Trainer to handle the Post Approval work for UK applications.
- One of the core functions of IMC team is processing the post approval work once the CARM for Corporates (CfC) application is approved.
- This team initiates requests to load Treasury limits on LEM and trading limits on HUB system and also some of the agreed Global Banking products for the customer to draw-out / utilize.
- Process Optimization: GCOS to CLMT migration, UAT for TRACS.
- Apr07 – Mar11: Associate – GBM Credit Services
- Preparation of CARM applications for UK Corporate clients.
- Involved in preparing weekly & Monthly MIs to be sent to the onshore team.
- Involved in monitoring generic mail boxes to allocate or take ownership of the requests.
Associate- RWBM Contact Centre
HSBC
07.2004 - 04.2007
- Worked with the RBWM Contact Centre team supporting the retail customers of UK.
- Liaised with other departments to ensure customer requests are responded.
- Advised customers of services that they are eligible for.
- Coordinated with Financial Planning Managers to fix appointments for customers to provide financial solutions and for the account reviews.
RBWM - Officer Loan Service Desk / Phone Banking
Stan Chart Bank
11.2002 - 06.2004
- Resolved customer complaints over the counter, ensuring swift solutions.
Managed customer queries and escalated complex issues to relevant teams.
Maintained high standards of customer service through effective communication.
Member Product Development
Delfi Infotec Systems Pvt LTd
09.1999 - 11.2002
- Developed billing and invoicing software solutions for small businesses.
- Provided after-sales onsite support to customers, ensuring satisfaction.
- Designed inventory management systems tailored to client needs.
Education
Master of Science - Physics
University of Madras
10-1998
Bachelor of Science - Physics
TBML College
Bharathidasan University05-1996
Certified Risk and Compliance Management Professional -
International Association of Risk And Compliance Professionals
Post Honours Diploma - Network Centered Computing
NIIT
Skills
- The ability to look at the big picture with high comfort levels in dealing with the nitty-gritty and detail, strategic planning, and process optimization
- Cross-functional collaboration and team leadership
- Effective communication and training delivery
- Risk assessment and compliance
- Talent development and employee training
- Stakeholder management and relationship building
- Adaptability and problem-solving aptitude
- Performance evaluations and reviews
- Resource allocation and work prioritization
www.linkedin.com/in/raghu-narayan-6a2759189
Personal Information
Marital Status: Married
Visa
US B1 visa valid till 2027
Professional Highlights
- Over 20 years of experience in various leadership roles and capacities including Regulatory Compliance, Privacy Risk function, Retail Banking, Global Banking Markets and Asset services in various Global Financial Institutions.
- Involved in supporting the US Regulatory Compliance team in performing the Registration & Licensing related activities, US Policy Governance related activities, Tracking Risk Assessments, conducting Root Cause Analysis and in preparing the Governance reports for the Senior Management. As part of these migration activities, have travelled to US in 05/2017.
- Was leading a team of around 10 members in Bangalore and remotely support an equal number of people in Kolkata in supporting the Offshore & Onshore Credit Analysts in the preparation of CARM applications (Credit Approval & Risk Management) and also to undertake post approval work for HBEU region.
- Have travelled to Hong Kong to migrate the CARM preparation work during 07/2008.
- Work closely with the product and technology teams in developing various tools for the credit function.
- An active member of the GSC Committee 'Nurture' which primarily focuses on building employee engagement, actively promoting Diversity & Inclusion.
Certification
- Certified Risk and Compliance Management Professional
Timeline
Senior Manager(Vice President)
Commonwealth Bank of Australia
01.2023 - Current
Assistant Vice President
HSBC Electronic Data Processing (I) Pvt Ltd(HDPI)
10.2020 - 01.2023
Manager
HSBC Electronic Data Processing (I) Pvt Ltd (HDPI)
12.2016 - 10.2020
Credit Services-GBM
HSBC Electronic Data Processing (I) Pvt Ltd (HDPI)
04.2007 - 12.2016
Associate- RWBM Contact Centre
HSBC
07.2004 - 04.2007
RBWM - Officer Loan Service Desk / Phone Banking
Stan Chart Bank
11.2002 - 06.2004
Member Product Development
Delfi Infotec Systems Pvt LTd
09.1999 - 11.2002
Master of Science - Physics
University of Madras
Bachelor of Science - Physics
TBML College
Certified Risk and Compliance Management Professional -
International Association of Risk And Compliance Professionals
Post Honours Diploma - Network Centered Computing
NIIT
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