Sangeetha Dhanasekaran

A detail-oriented Operational Risk Analyst with 12 years of extensive experience in the banking sector. Possesses a diverse skill set encompassing Operational Risk Management, Internal Controls, Compliance with Controls Testing, Legal and Regulatory Compliance, Third Party Risk Management, and Credit Risk Management across Asset Products, Payments and Settlements, and Retail Liabilities including Account Opening and Maintenance. Currently seeking new and challenging opportunities to further enhance skills, knowledge, and performance levels. Dedicated to delivering efficient and effective service to employers, consistently exceeding expectations and striving for continuous improvement.

• Cleared the Level 1 Professional Certification in Enterprise Risk Management in Institute of Risk Management IRM from UK, World Renowned Risk Institute
• Have completed NSDL and NISM examinations during Probationary Officers training in ICICI
• Completed Post Graduate Diploma in Banking Operations under tie up of ICICI Bank and Manipal University

Vellore

• LEAD CONTROL MANAGEMENT OFFICER, Wells Fargo, Chennai, 09/2023, Present, Individual contributor role focusing on performing evidence-based control evaluations by conducting various evidence gathering activities. Perform Control testing for Automated, Semi-Automated and Manual controls. Guide other team members in end-to-end evaluation by playing Lead assessor role. Design, maintain and execute the control evaluation scripts, identify control deficiencies, document and escalate potential issues to appropriate stakeholders. Validate & track action plans, escalate issues as required and document the control test artifacts and findings. Performs control evaluations for moderate to complex engagements, challenge status-quo and identify opportunities to add efficiencies or refining the existing processes. Engage and work with multiple stakeholders - front line business groups, risk program aligned functions and IRM teams for driving the objectives of risk and control programs. Instill and drive proactive risk culture, operational excellence and efficiencies. Participating in Risk Control and Self-Assessment exercise (RCSA) workshops for Commercial banking related Risk Assessment units
• SENIOR CONTROL MANAGEMENT SPECIALIST, Wells Fargo, Chennai, 07/2022, 09/2023, Individual contributor role focusing on performing evidence-based control evaluations by conducting various evidence gathering activities. Perform Control testing for Automated, Semi-Automated and Manual controls. Guide other team members in end-to-end evaluation by playing Lead assessor role. Design, maintain and execute the control evaluation scripts, identify control deficiencies, document and escalate potential issues to appropriate stakeholders. Validate & track action plans, escalate issues as required and document the control test artifacts and findings. Performs control evaluations for moderate to complex engagements, challenge status-quo and identify opportunities to add efficiencies or refining the existing processes. Engage and work with multiple stakeholders - front line business groups, risk program aligned functions and IRM teams for driving the objectives of risk and control programs. Instill and drive proactive risk culture, operational excellence and efficiencies. Participating in Risk Control and Self-Assessment exercise (RCSA) workshops for Commercial banking related Risk Assessment units
• OPERATIONAL RISK ANALYST, YES Bank, National Operating Centre, 1 Year 1 month, Conducted Risk Control and Self-Assessment exercise (RCSA) for Asset products such as Credit cards, Merchant Acquisition, Retail Rural Banking, Inclusive and Social Banking. Assessment of Operational Risk in all the products handled, identification of process gaps and process lapses and perform control testing for compliance to product guidelines, processes and policies. Identification, documentation and monitoring of Key Risk Indicators (KRIs). Reviewing Product, Process and Policy Notes from Operational Risk Perspective. Analyzing and documenting risk events by conducting Root Cause Analysis (RCA). Third Party Outsourcing Risk Management – Onsite and Offsite review of vendors. Analysis of fraud trends in the banking industry, review the existing controls in the bank and suggesting new control measures wherever applicable and flashing summary email to the Top Management and Business Unit heads on a monthly basis. Collaborating with various stakeholders to compile the Operational Risk Loss events data and follow up closely till recovery and closure of the risk incident. Reviewing new empanelment agreements of vendors of various business units from Operational Risk perspective and suggest changes wherever required before getting executed
• ZONAL MIS MANAGER, ICICI Bank, South Zone, 1 Year Experience, Was handling Zonal Reporting for Southern Zone for Clearing Operations, Deliverables Management, Currency Management and Account Opening, Servicing. Reporting to Bank’s Central Team in Mumbai regarding various MIS and data related to Clearing, Account Opening, Servicing, Deliverables Management and Currency Management. Handled Internal Audits communication for the entire Zone and had been a key person throughout the Audit cycle. Doing Process Walkthrough internally for all departments of Account Opening, Payments & Settlements and Deliverables Management as Health Check in regular intervals
• REGIONAL MIS MANAGER, ICICI Bank, TN, 2 Years’ Experience, Currently taking care of Regional Reporting for Tamil Nadu Regional Head for Clearing Operations, Deliverables Management and Account Opening, Servicing. Reporting to Bank’s Central Team in Mumbai regarding various MIS and data related to Clearing Operations, Deliverables Management and Account Opening for Southern States in particular TN. Doing RBI account Reconciliation for clearing account of ICICI. Updating Cash pad entry for Chennai Operations team which is very critical in CRR monitoring by Bank. Possess complete Knowledge and hands on experience in Inward Clearing and Outward Clearing for Payments and Settlements- Systems and Processes. Doing Process Walkthrough internally for all departments of Account Opening, Payments & Settlements and Deliverables Management as Health Check in regular intervals
• BRANCH CREDIT MANAGER - RETAIL LOANS, ICICI Bank, 6 Years’ Experience, Earlier involved in Credit decisions for High value loans to HNI customers involving their financial statement analysis including balance sheet verification and also Retail loans small ticket cases. Experience of Operations activities for the disbursement- end to end. Handled End to End process of a loan from login till disbursement. Monthly Field investigation of customers who have got loan disbursed - Key Observations reported to Central Team. Tracking of Portfolio and delinquency by coordinating with Product team and Business team. For Corporate Term loans, we do track post disbursement covenants by coordinating with business and product team. Preparation of Credit Approval Memorandum for arriving at loan eligibility. Involved in Knowledge Initiatives of the Bank. Reverting for Audit queries of Compliance team, Audit team and closing the reports. Scrutiny of Legal reports of Retail cases given for Mortgage. Handled 4 Credit Processing Assistants for 6 years

Date of Birth: 01/03/90

• Awarded by Wells Fargo India and Philippines Country Lead for Exceptional performance in the year 2023 - “ACE award”
• Got recognized in Zonal R&R for Going Extra Mile under GEM awards category in ICICI Bank
• Recognized as Spectacular performer in GI contest in September 2020 in the Zone for achieving cross selling targets
• Awarded by ICICI CEO Mr. Sandeep Bakshi, under “BEAT THE SYSTEM” category in BKC Mumbai for identifying systemic risk in tax calculation of employees during Nov 2019
• Got Awarded for Contest “Shatranj Ke Khiladi “in ICICI during Feb 2015
• Awarded with the Best Productivity Certificate from Senior Management in Credit Manager profile
• Got 11 Quest for Quality Certificates in ICICI for suggestion towards Cost Cutting, Process Standardization
• Got Mail Compliments from Senior Management for Fraud finding in Retail loans

• Contributed to major phases of software migration for loan products within the retail segment at ICICI Bank.
• Played a key role in planning, executing, and managing software migration projects to enhance operational efficiency and customer experience.
• Actively participated in the Employee Engagement Pillar, developing and implementing effective plans to boost employee engagement.
• Designed engagement strategies and activities that were well-received by employees, fostering a positive work culture and improving overall team morale.

• Awarded "ACE Award" by Wells Fargo India and Philippines Country Lead for Exceptional performance in 2023.
• Recognized in Zonal R&R for Going Extra Mile under GEM awards category at ICICI Bank.
• Acknowledged as Spectacular Performer in GI contest in September 2020 for achieving cross-selling targets.
• Awarded "BEAT THE SYSTEM" by ICICI CEO Mr. Sandeep Bakshi in BKC Mumbai for identifying systemic risk in tax calculation of employees in November 2019.
• Winner of "Shatranj Ke Khiladi" contest at ICICI Bank in February 2015.
• Received Best Productivity Certificate from Senior Management in Credit Manager profile.
• Earned 11 Quest for Quality Certificates in ICICI Bank for suggestions towards Cost Cutting and Process Standardization.
• Received mail compliments from Senior Management for Fraud finding in Retail loans.