Ruth Sofia Christina
Senior AVP
Chennai
Summary
20+ years of experience in Reconciliation (4 Yrs) Risk Management, Governance, and Reporting (16 yrs) in the Banking and assessing and strengthening internal controls of organizations. Track record of fostering a culture of intelligent risk-taking; identifying and mitigating emerging risks; and designing and developing risk models, frameworks, systems, and methodologies. Possess an entrepreneurial leadership style; experience in independent risk reporting and mitigation/management recommendations to C-suite; and flair for fostering business relationships with varied stakeholders including risk management professionals, business leaders, and others.
Overview
2026
2026
years of professional experience
Work History
Team Leader (Prior Aug'2016) (Global Reconciliation Hub) - Nostro /Sundry Suspense Reconciliation
Standard Chartered Bank
- Demonstrated expertise in reconciling all Nostro and G/L accounts (TLM) and promptly escalated long outstanding items to top management, with a focus on Debit and Hub items.
- Ensured no Hub items exceeded the stipulated time, diligently investigating reasons for long outstanding entries.
- Successfully managed a team of 5, meeting all SLAs without delay and effectively handling account opening and static amendments in TLM.
- Played an integral role as an intermediary with the application support team during the TLM system upgrade, showcasing sound knowledge in TLM configuration and proposing ideas to enhance auto match and auto coding percentage. Additionally, conducted monthly SRM calls with clients and updated SRM packs for these calls.
Senior Risk Analyst (Senior AVP)
Wells Fargo (CB Finance Risk and Governance)
10.2022 - Current
- Assist management in developing, designing and implementing risk management practices, process and control enhancement.
- Collaborate with Audit and Inspection teams, providing necessary support and information.
- Mentor and educate team members on various risk policies and procedures, ensuring a comprehensive understanding.
- Conduct training sessions for teams on the RCSA (Risk Control Self-Assessment) program and EBCE (Evidence-based control evaluation).
- Perform quality assurance review on processes handled by the BAU (Business-As-Usual) Team, offering insightful suggestions for improvements as needed.
- Supported governance reporting by maintaining audit ready evidence of SOP attestation, contributing to successful internal and external audits.
- Educate the team on the importance of Security Matrix by conducting a review once in a quarter
- Conduct comprehensive process reviews for the team to identify gaps, inefficiencies and potential risks
- Conduction the Business Operational Risk Governance meeting with the Business on a monthly basis
- Single point of contact for Business Continuity Planning and Business Impact Analysis activities, ensuring unit level continuity readiness and compliance with governance framework.
- Supported EUCT governance by reviewing, tracking and maintaining compliance of End User Computing tools with risk and control requirements.
- Assisted in Model governance activities, ensuring models were reviewed, documented and aligned with regulatory and internal governance standards.
Manager – (Global Reconciliation Unit-Retail Banking)
Standard Chartered Bank
04.2020 - 10.2022
- Identify, escalate, mitigate and resolve risk, conduct, and compliance matters, ensuring strict adherence to various RISK policies and process controls.
- Ensured efficient follow-ups and escalations, both internal and external, to resolve outstanding reconciliation items, process, and system issues within agreed SLAs and reconciliation matrix. Expertly differentiated escalations to various senior levels based on issue impact, with a clear articulation of requirements.
- Proactively sought opportunities to standardize processes, automate tasks, and eliminate non-value-added activities to drive process improvements.
- Engaged extensively with a wide range of senior stakeholders, securing necessary support to resolve long-standing reconciliation open items and gain buy-in for process and system changes.
- Conducted end-to-end analysis of reconciliation processes and controls, proposing solutions to address identified gaps and improve reconciliation efficiency.
- Conducted monthly Business Operational Risk Forum meeting within the Business and effectively participated in the Service review meeting with the stakeholders on discussing various key points related to Risk and Governance
- Conducted BCP (Business Continuity Planning) and stress tests within the teams, ensuring a robust response to adverse scenarios. Assumed personal responsibility for upholding the highest ethical standards, including compliance with applicable laws, regulations, guidelines, and the Group Code of Conduct.
- Monitored the effectiveness of KCI (Key Control Indicator) and CST (Control Sample Testing) checks performed by the team, ensuring compliance with established standards.
Assistant Manager (Group Operational Risk)
Standard Chartered Bank
08.2016 - 04.2020
- Prepared comprehensive packs for the Business Operational Risk Committee, providing crucial insights and analysis.
- Conducted Control Checks (KCI/CST) for the unit's processes, ensuring adherence to established standards (CORC/PGC Pack).
- Offered guidance and clarification to the business/function on Action Management, Loss, Metric Definition, Response, and Risk Module queries.
- Conducted training sessions on EORP Modules encompassing Risk, Metric, Issues, and Loss. Played a key role in the successful migration of EORP, ensuring a smooth transition.
- Assisted in uploading feeds for the Risk and Metric Module, facilitating efficient data management.
- Addressed and resolved various functionality queries raised by stakeholders, providing viable solutions until closure.
- Efficiently managed a 5-member team, supporting them in delivering quality outputs.
- Assisted in the preparation and delivery of weekly and monthly reports, ensuring timely and accurate submissions.
- Prepared and compiled the monthly SRM (Service Review Meeting) and BORC (Business Operational Risk Committee) packs for the unit, contributing to informed decision-making processes.
- Conducted the on-site training successfully at various levels for the supervisors of OR Teams in SCB, Singapore during Jan’18.
Education
Diploma - Computer Applications
B.Com. - undefined
Queen Mary's College
Chennai01.2001
Accomplishments
- Essayed a key role in the end-to-end successful migration of metric and GRC upload projects from the group.
- Streamlined and automated the manual tagging process of Nostro entries (Reconciliation) in lean projects, resulting in a significant reduction of 3 hours per process.
- Orchestrated the seamless migration of a process from a country, earning recognition as a 'Business Champ.'
- Recognized and awarded the prestigious 'GEM Award - Q1 2018' for outstanding performance as a Business Champ.
- Received accolades for the successful completion of the Green/Green Group Audit Result (Global Reconciliation Hub)
CORE COMPETENCIES
- Evaluating and analyzing risks across the Business Unit.
- Involved in identification, assessment, and mitigation of potential risks, promoting a proactive risk culture within the Unit.
- Collaborating with senior leadership to establish risk appetite and tolerance levels, ensuring appropriate risk limits are set and monitored.
- Ensuring compliance with regulatory requirements and industry best practices related to risk management.
- Interacting with external stakeholders, including internal and External auditors, to address risk-related inquiries and audits.
- Providing regular risk reports and updates to the board of directors and executive management.
- Championing risk education and training programs to enhance risk awareness and competency across the Business.
Timeline
Senior Risk Analyst (Senior AVP)
Wells Fargo (CB Finance Risk and Governance)
10.2022 - Current
Manager – (Global Reconciliation Unit-Retail Banking)
Standard Chartered Bank
04.2020 - 10.2022
Assistant Manager (Group Operational Risk)
Standard Chartered Bank
08.2016 - 04.2020
B.Com. - undefined
Queen Mary's College
Team Leader (Prior Aug'2016) (Global Reconciliation Hub) - Nostro /Sundry Suspense Reconciliation
Standard Chartered Bank