RIJU PAUL
Mumbai
Summary
Ambitious professional focused on building a career in high-tech environments, contributing to organizational growth through commitment and dedication. Delivered impactful results by leveraging integrity and leadership skills while thriving under pressure and adapting to dynamic situations.
Overview
3
3
Languages
1
1
Certification
9
9
years of professional experience
Work History
Senior Officer-Compliance
Mizuho Bank Ltd
Navi Mumbai
12.2024 - Current
- Managed risk-based supervision activities, including handling indents from RBI, facilitating onsite inspections, and submitting IRAR, MANC, and RMP observations in DAKSH portal within required timelines.
- Conducted compliance testing to align with the board-approved plan.
- Oversaw ad hoc submissions in DAKSH portal, ensuring accuracy and compliance with regulatory guidelines.
- PIC for all regulatory dissemination and tracking of tasks though automated tool as per RBI expectations.
- PIC for RBS Tranche one, Tranche two and Tranche three. Coordination with stakeholders and timely submission.
- Convenor of Fortnightly and Quarterly Compliance Committee Meeting with Management and Stakeholders.
Compliance Manager -Risk Based Supervision
RBL Bank Limited
Mumbai
06.2023 - 12.2024
Deputy Manager , Regulatory Reporting & PSL Monitoring
Bandhan Bank Limited
Kolkata
02.2020 - 06.2023
- Timely regulatory reporting to RBI.
- Handled regulatory inspections to ensure compliance with industry standards.
- Executed timely regulatory reporting to RBI, ensuring compliance with all relevant requirements.
- Executed the preparation of RBS Tranche I and Tranche II submissions to RBI.
- Timely review of Compliance policies , SOPs and submission of Board Notes.
- Automated internal systems to enhance monitoring of compliance aspects, streamlining operational processes.
- Automation of internal systems for smooth monitoring of compliance aspects.
- Handling Priority Sector Lending reporting on a quarterly basis (QPSA) along with newly launched District-wise Priority Sector Lending reporting (DQPSA)
- Being a team member of Regulatory Reporting, handled several returns submitted to RBI/NABARD/ Ministry of Finance (Monthly submission to NCLT, Relief measure extended by the banks due to natural calamity, Interest rate return on monthly basis, GLC 1- Monthly Disbursement of Agriculture, GLC 2- Monthly Outstanding of Agriculture, GLC 3- Quarterly Disbursement of Agriculture, Returns related to SHG/JLG, Quarterly KCC reporting, Return on Connected Exposure, Half yearly reporting to SC/ST, Minorities etc.)
- Solely handling Bank level Udyam Aadhar data collation and updation in CBS
- Currently involved in the data preparation for informal Micro Enterprise as guided by SIDBI for newly launched Udyam Assist Platform
- Processed Direct Assignment transactions following RBI guidelines and internal PCMC protocols.
- Spoc Person of all internal data points /MIS regarding Disbursement, Legal Audit, Legal Vetting, Deferral given on the Sanction Terms, Valuation, Collateral updated in system etc
- Managed quarterly Risk Based Supervision (RBS) data points for accurate and timely reporting to RBI.
- Handling SLBC data submission for ECLGS and MSME reporting
- Automated many MIS/Trackers/data capturing platform in the Internal Berp System for smooth operational process
Deputy Manager , Rural Lending Operations
Axis Bank Limited
Mumbai
09.2017 - 01.2020
- Utilized basic SQL language for data extraction from databases.
- Collaborated with the Regulatory Reporting team to handle monthly, quarterly, and yearly returns to RBI/NABARD, including GLC 1, GLC 2, GLC 3, and various schemes.
- Managed centralized Pradhan Mantri Fasal Bima Yojna premium debit, remittance to insurance companies, and claim settlements to ensure timely processing.
- Handled Trace Software for documents movement tracking and data updation centrally
- Handled Operational activities regarding CGTMSE
- Served as a single point of contact for coordinating regulatory data requirements with SLBCs. for coordination with SLBCs regarding regulatory data requirements/arrangement of meetings.
Education
Post Graduate Diploma - Banking Services
Manipal University
Bengaluru, KABachelor of Technology - Civil Engineering
West Bengal University of Technology
Asansol, WBHigher Secondary -
Kharagpur
KharagpurSecondary -
Kharagpur
KharagpurSkills
- Regulatory Compliance
- Regulatory Integrity
- Compliance Adherence
- Compliance training
- Stakeholder Engagement
- Issue resolution
- Delegation
- Adaptability
- Resilience
- Fast learner
- Compliance training
Certification
- Anti-Money Laundering Concepts: AML KYC and Compliance, Udemy
- Principles of Financial Risk Management, Udemy
Hobbies and Interests
- Story book reading
- Short stories writing in little magazines and e magazines.
- Cooking
- Travelling
Personal Information
- Father's Name: Surajit Kumar Paul
- Date of Birth: 01/20/92
- Gender: Male
Disclaimer
I, solemnly declare that all the information furnished above are true and correct to the best of my knowledge and I bear the responsibility for the correctness of the above mentioned particulars.
Languages
Proficient, Advanced, Proficient
Languages
Bengali
First Language
English
Proficient
C2
Hindi
Proficient
C2
Timeline
Senior Officer-Compliance
Mizuho Bank Ltd
12.2024 - Current
Compliance Manager -Risk Based Supervision
RBL Bank Limited
06.2023 - 12.2024
Deputy Manager , Regulatory Reporting & PSL Monitoring
Bandhan Bank Limited
02.2020 - 06.2023
Deputy Manager , Rural Lending Operations
Axis Bank Limited
09.2017 - 01.2020
Post Graduate Diploma - Banking Services
Manipal University
Bachelor of Technology - Civil Engineering
West Bengal University of Technology
Higher Secondary -
Kharagpur
Secondary -
Kharagpur