Ramya Nair
Operations Risk Manager
Mumbai
Summary
Results-oriented Operations Risk Manager with extensive expertise in risk governance, internal control enhancement, and data-driven risk monitoring within complex global banking environments. Proven track record of reducing control gaps and enhancing audit readiness while facilitating informed decision-making through innovative automation and advanced risk analytics. Skilled in influencing cross-functional teams, effectively challenging first-line controls, and ensuring strict adherence to enterprise risk standards. Committed to driving operational excellence and fostering a culture of proactive risk management.
Overview
18
18
years of professional experience
2
2
Certifications
4
4
Languages
Work History
Senior Associate (AVP): Operational Risk
The Teachers Insurance and Annuity Association of America
05.2021 - Current
- Served as Second Line of Defense, independently challenging risks, controls, and issues while supporting evidence upload and remediation planning within Archer GRC.
- Led the implementation and enhancement of risk assessment frameworks, improving the identification and evaluation of operational risks across multiple business functions.
- Strengthened operational resilience by partnering with cross-functional teams to identify emerging risks and implement proactive mitigation strategies that reduced exposure.
- Conducted policy and procedure reviews, aligning internal risk management standards with evolving industry and regulatory expectations.
- Analyzed operational workflows to uncover control gaps and recommended actionable improvements that elevated compliance adherence.
- Drove continuous improvement initiatives in RCSA execution and risk monitoring through stakeholder engagement and feedback.
- Facilitated regular risk awareness and compliance training to build a strong risk culture throughout the organization.
- Streamlined risk communications and reporting processes, resulting in faster escalation and improved leadership visibility on key risk indicators.
Operational Risk Monitoring
J.P Morgan Chase & Co.
09.2015 - 05.2021
- Led AWM Controls KRI & KPI strategy, collaborating with business units to design performance and control metrics with direct linkage to RCSA frameworks and threshold governance.
- Enhanced risk governance by approving updates to KRIs/KPIs, ensuring alignment with evolving control environments and regulatory expectations.
- Streamlined and automated risk reporting processes, improving data accuracy, efficiency, and response time to emerging operational risk indicators.
- Successfully managed global report migration initiatives (U.S. & Asia), freeing 59+ man-hours per month and optimizing team utilization.
- Produced Fiduciary MIS and Global MIS for senior leadership, enabling clear visibility into operational health, business drivers, and compliance performance across WM Domestic Ops & GWM Ops.
- Developed and implemented risk monitoring frameworks, boosting compliance maturity and strengthening operational controls.
- Collaborated with cross-functional stakeholders to identify emerging risks and establish proactive mitigation actions, reducing operational exposure.
- Conducted periodic operational audits, driving measurable reductions in compliance issues and process errors.
- Performed trend-based risk analytics, supporting strategic decision-making and strengthening risk accountability across business units.
Account Transfers and Settlements
J.P Morgan Chase & Co.
11.2009 - 09.2015
- Handled internal and external portfolio transfers for Ultra HNI Private Banking clients, including mutual fund operations, loan processing, and cash movements to external banks with high accuracy and confidentiality.
- Executed trade settlements and reconciliation of unsettled trades, coordinating with onshore teams to promptly resolve trade breaks in TLM and ensure timely market settlement.
- Managed domestic and international cash transfers, performing daily reconciliations and resolving exceptions to maintain operational accuracy and compliance.
- Streamlined account transfer workflows by implementing system enhancements, reducing processing time and improving straight-through processing.
- Developed and maintained standardized documentation for settlement procedures, strengthening compliance adherence and lowering operational risk.
- Provided training and operational support to new joiners, improving team knowledge sharing, productivity, and process consistency.
- Conducted discrepancy analysis on settlements, partnering with control teams to identify root causes and drive corrective actions, enhancing reporting accuracy.
Project Analyst
M/S. DATAMATICS GLOBAL SERVICES LTD
06.2007 - 11.2009
- Modeled Mortgage-Backed Securities (MBS) and Asset-Backed Securities (ABS) deals for global financial institutions, enabling accurate lifecycle monitoring and credit risk evaluation for rating agencies.
- Conducted complex data analysis and MIS reporting on structured finance products, supporting risk assessment and performance analytics.
- Defined project requirements and stakeholder expectations to create comprehensive project plans, improving delivery timelines and operational efficiency.
- Partnered with cross-functional teams to drive process improvements, resulting in streamlined workflows and reduced project turnaround time.
- Leveraged analytical tools to generate detailed project insights, enhancing strategic decision-making and business outcomes.
- Managed detailed project documentation and compliance tracking, ensuring regulatory alignment and audit readiness throughout project execution.
Education
BCOM -
Tolani College of Commerce (MU)
01.2007
S.S.C -
Little Flower High School
01.2002
Skills
Risk assessment and mitigation
Certification
Certified Data Analyst
Timeline
Senior Associate (AVP): Operational Risk
The Teachers Insurance and Annuity Association of America
05.2021 - Current
Operational Risk Monitoring
J.P Morgan Chase & Co.
09.2015 - 05.2021
Account Transfers and Settlements
J.P Morgan Chase & Co.
11.2009 - 09.2015
Project Analyst
M/S. DATAMATICS GLOBAL SERVICES LTD
06.2007 - 11.2009
BCOM -
Tolani College of Commerce (MU)
S.S.C -
Little Flower High School