RATNADEEP KAR

Achievement-Driven Professional with more than 23 years of experience in Corporate and Retail Banking and Branch Banking. Experience of 9 years in regulatory compliance. Adept at Compliance and Risk related requirements of Wholesale Banking. Currently working with the NBFC subsidiary of the Bank with responsibilities of both Retail and Wholesale business compliance. Understanding of regulatory framework and pertinent regulations impacting corporate customers. Led measures to ensure smooth functioning of operations in the branch and facilitated branch audits. Managed risk-based monitoring for unusual activity including detection, investigation, suspicious reporting to law enforcement agencies. Approved new clients through due diligence procedures including the review of KYC documentation, public record research and AML procedures. Proactive and creative professional with a demonstrated record of achievement in conceiving & implementing ideas that improve operational efficiency and reduce risks.

• Successfully implemented all provisions of various regulatory guidelines within stipulated timelines for the entire Wholesale Banking segment of the Bank.
• Have handled RBI onsite audit as the lead Compliance official for Wholesale Banking for 3 consecutive years leading to a satisfactory audit rating by RBI.
• Received Certificate of Commendation from Deputy Managing Director and Group Executive- Corporate Banking for valuable contribution in Compliance and Risk.
• Have been successful in automation of various manual processes within the bank to ensure better controls and compliance with regulatory guidelines.
• Successfully lead a comprehensive exercise on remediation of unutilized limits leading to a positive impact on provisioning and LCR requirements.

• Communicator
• Collaborator
• Language and drafting skills
• Team Leader
• Change Agent
• Analytical
• Logical