Saurabh Mukund Jakhadi
Pune
Summary
Accomplished Compliance and Operations Leader with over 15 years’ experience driving regulatory adherence, operational excellence, and risk management in top fintech firms and a major global bank. Adept at designing and implementing scalable compliance frameworks, managing audit processes, and leading cross-functional teams to optimize business operations. Proven expertise in regulatory initiatives such as CKYC and RBI circulars, CTS Clearing, compliance automation, and stakeholder engagement across banking and fintech environments. Known for fostering collaboration between business, technology, and regulatory partners to align operations with evolving compliance requirements and business goals.
Overview
23
23
years of professional experience
1
1
Certification
Work History
Lead Compliance & Business Operations
FPL Technologies Pvt. Ltd. – OneCard
12.2019 - Current
- Highlights: Lead Compliance Operations - Nov 23 – Till date
- · Lead comprehensive compliance testing ensuring business SOPs comply with regulatory and bank policies.
- · Oversee policy and procedural compliance across all business operations.
- · Design control systems for periodic compliance adherence and draft compliance manuals.
- · Coordinate departmental policy alignment and address employee compliance queries confidentially.
- · Manage internal and external audits, and lead compliance tool implementation with co-brand bank partners.
- · Optimize product compliance features, reducing errors and improving operational efficiency.
- Key Achievements:
- · Successfully led compliance tool implementation, enhancing periodic compliance tracking and reducing errors.
- · Strengthened operational controls resulting in improved audit outcomes and regulatory adherence.
- Highlights: Lead Business Operations- Dec 19 – Nov 23
- · Lead comprehensive compliance testing ensuring business SOPs comply with regulatory and bank policies.
- · Oversee policy and procedural compliance across all business operations.
- · Design control systems for periodic compliance adherence and draft compliance manuals.
- · Coordinate departmental policy alignment and address employee compliance queries confidentially.
- · Manage internal and external audits, and lead compliance tool implementation with co-brand bank partners.
- · Optimize product compliance features, reducing errors and improving operational efficiency.
- · Lead the team of 40 associates and define their KRA’s & KPI’s and track them.
- Key Achievements:
- · Established robust operations functions, significantly enhancing control and workflow efficiencies.
- · Implemented automation initiatives resulting in reduced operational errors and faster turnaround times.
Analyst – Operations Risk & Governance
DBS Bank Ltd
09.2008 - 11.2019
- Highlights: Analyst – Operations Risk & Governance-Mar’18-Nov’19
- Conducted detailed RCSAs to strengthen risk controls, managed risk reporting for consumer and digital portfolios, and coordinated regulatory compliance reporting.
- Key Achievements:
- Improved risk mitigation processes, facilitating better compliance and control monitoring.
- Delivered timely, accurate risk reports to Singapore Head Office supporting governance decisions.
- Highlights: Analyst – Product Compliance- Retail Liabilities & Payment products - Feb’17-Mar’18
- Implemented CKYC and RBI regulatory circulars for retail products.
- Coordinated cross-team compliance alignment between technology, business, and operations.
- Maintained compliance trackers and supported policy development with Risk and Compliance teams.
- Key Achievements:
- Connect Award 2018: Smooth implementation of CKYC Project for DBS Bank, India (Consumer Banking Group)
- Highlights: Senior Officer – Payment & Customer Relations - Mar’11-Jan’17
- Managed branch payment operations, ensuring error-free transactions and SLA adherence.
- Collaborated on banking system enhancements and delivered process improvements.
- Led team training on operational updates and compliance standards.
- Key Achievements:
- Connect Award 2013: Smooth implementation & training for CTS clearing in western grid
- Connect Awards 2012: Cost-saving approach and extra vigilance while processing customer financial transactions in DBS Bank
- Highlights: Associate Liability Sales Manager - Sep’08-Feb’11
- Supported sales management and compliance efforts for liability product lines.
- Key Achievements:
- Achiever Award 2011: Highest gain in forex sales
Deputy Sales Manager- Retail liabilities
HDFC Bank
09.2007 - 09.2008
- Lead the CASA sales team of 2 retail branches
Sales Officer- Retail Assets
HSBC Ltd
02.2006 - 08.2007
- Worked as individual contributor to achieve retail assets sales target
- Key Achievements:
- Awarded for Highest Yield in Dec 06
Financial Adviser-Retail Assets, Kotak Mahindra Bank
Team Lease Services
12.2004 - 01.2006
Sales executive
Maximus Systems, Franchisee of ICICI Bank Home Loans
03.2003 - 11.2004
Education
B.Com. -
Mumbai University
CORE COMPETENCIES
- Regulatory Compliance & Governance
- Compliance Automation & Tool Implementation
- Risk Management & Control Frameworks (RCSA)
- Audit & Regulatory Reporting
- Operational Strategy & Process Optimization
- Cross-Functional Team Leadership
- Stakeholder Engagement & Management
- Performance Metrics & SLA Management
- Change Management & Process Reengineering
Certification
ACAMS- KYC foundation and Risk management in Nov 2020
Timeline
Lead Compliance & Business Operations
FPL Technologies Pvt. Ltd. – OneCard
12.2019 - Current
Analyst – Operations Risk & Governance
DBS Bank Ltd
09.2008 - 11.2019
Deputy Sales Manager- Retail liabilities
HDFC Bank
09.2007 - 09.2008
Sales Officer- Retail Assets
HSBC Ltd
02.2006 - 08.2007
Financial Adviser-Retail Assets, Kotak Mahindra Bank
Team Lease Services
12.2004 - 01.2006
Sales executive
Maximus Systems, Franchisee of ICICI Bank Home Loans
03.2003 - 11.2004
B.Com. -
Mumbai University