Summary
Overview
Work History
Education
Skills
Affiliations
Accomplishments
Certification
Languages
Timeline
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Vikram Vasnadani

Kolkata

Summary

Dynamic leader with 15 years of expertise in fraud containment, risk management, and retail banking. Currently serving as Deputy Vice President at Bandhan Bank Ltd, driving initiatives for risk identification and fraud prevention. Demonstrated success in leading audits and collaborating with regulatory agencies to maintain banking standards.

Overview

16
16
years of professional experience
1
1
Certification

Work History

Head- Investigation & Governance Fraud Risk Mang.

Bandhan Bank Ltd.
Kolkata
03.2022 - Current
  • Designed and executed enterprise-wide fraud risk management framework across retail, corporate, and digital banking segments.
  • Developed and enforced robust fraud prevention, detection, and investigation protocols aligned with RBI, SEBI, and internal compliance policies.
  • Managed high-stakes investigations involving cyber fraud, phishing, mule accounts, KYC lapses, loan frauds, and internal collusion.
  • Oversaw centralized Fraud Containment Unit of forensic experts, data analysts, and zonal fraud investigators.
  • Implemented real-time fraud monitoring tools and early warning systems integrated with bank’s CBS, CRM, and payment gateways.
  • Utilized advanced data analytics, AI/ML models, and link analysis to detect suspicious transaction patterns.
  • Liaised with law enforcement agencies and legal counsels for coordinated fraud responses and investigations.
  • Conducted risk-based reviews and forensic audits for high-risk portfolios including digital lending and trade finance.

Team Member (Fraud Risk Management)

Bandhan Bank Lt
Kolkata
04.2020 - 02.2022
  • Investigated red flags and early warning indicators using core banking systems and transaction logs.
  • Prepared incident reports, timelines, and evidence summaries for internal escalation and legal purposes.
  • Supported preparation of Fraud Monitoring Reports and filings to RBI regarding Fraud Monitoring System.
  • Liaised with branches, operations, legal, and IT teams during investigations and fraud follow-ups.

Branch Manager (Ass Vice President Manager)

Bandhan Bank Ltd.
Delhi
04.2018 - 03.2020
  • Drive sales and revenue targets across retail products: savings/current accounts, term deposits, loans (home, personal, auto), insurance, mutual funds, credit cards, etc.
  • Oversee daily operations, cash management, ATM balancing, customer service, and backend processing.
  • Ensure adherence to internal policies, RBI guidelines, KYC/AML norms, and audit requirements.

Branch Manager (Senior Manager)

Bandhan Bank Ltd.
Jaipur
04.2017 - 03.2018
  • Established infrastructure, network, and regulatory requirements for metro branch of new bank in Jaipur.
  • Recruited and trained new staff to enhance operational capabilities.
  • Generated new business opportunities through targeted outreach and relationship building.

Branch Manager (Senior Manager)

Bandhan Bank Ltd.
Jaipur
03.2015 - 02.2017
  • Launched new branch after multi-stage process involving regulatory approvals, strategic planning, infrastructure development, staffing, and operational readiness in Jaipur
  • Acquire new customers (individual and business accounts) and expand the customer base through local outreach and marketing.
  • Monitor and manage branch expenses, reconciliations, suspense accounts, and TATs for various services.

Deputy Branch Manager (Manager)

ICICI Bank Ltd.
Jaipur
05.2013 - 02.2015
  • Spearheaded operations of oldest Bank of Rajasthan branch, driving business development and customer service.
  • Oversaw sales and distribution of banking products across diverse customer segments via multiple channels.
  • Ensured income stability from privileged clients while exploring new revenue streams.
  • Devised and executed processes for seamless branch operations.
  • Maintained CASA, FD, and HV accounts balance while fostering positive customer relationships.
  • Provided advisory services on funds management to corporate and high net-worth clients.
  • Identified risk management issues through audits, recommending enhancements for operational efficiency.

Branch Operations Head (Assistant Manager - II)

ICICI Bank Ltd.
Mandya
10.2009 - 02.2013
  • Managed Biggest Jewel Loan portfolio of over 3,000 packets, achieving zero frauds and complaints.
  • Maintained five-star rating during IAD through exceptional service delivery.
  • Received recognition for qualifying for service awards and RnR in various revenue events.

Education

MBA - Marketing in Banking and Finance

ICFAI Business School
Kolkata
12.2009

B.Sc. - Honours in Computers

Bengal University
Siliguri
12.2006

Skills

  • Retail Banking expertise
  • Fraud risk management
  • Compliance oversight
  • Internal auditing
  • Process optimization
  • Team leadership
  • Governance and documentation
  • Stakeholder collaboration
  • Critical thinking
  • Senior Management engagement

Affiliations

  • Lived and worked across the country in varied locations
  • Captained the school, college, or organizational team in cricket throughout

Accomplishments

  • Achieved the highest book size in the country as a Branch Manager
  • Rated as the best Branch Manager and Fraud Management professional for over 10 years

Certification

· JAIIB /CAIIB Certified

· Certified Anti Money Laundering Investigator

· Certification in Cyber Frauds from ASCI, Hyderabad

· IRDA /AMFI Certified

· Certification in AML / KYC from IIBF

Languages

Sindhi
First Language
English
Advanced (C1)
C1
Hindi
Intermediate (B1)
B1
Bengali
Upper Intermediate (B2)
B2
Kannada
Beginner
A1

Timeline

Head- Investigation & Governance Fraud Risk Mang.

Bandhan Bank Ltd.
03.2022 - Current

Team Member (Fraud Risk Management)

Bandhan Bank Lt
04.2020 - 02.2022

Branch Manager (Ass Vice President Manager)

Bandhan Bank Ltd.
04.2018 - 03.2020

Branch Manager (Senior Manager)

Bandhan Bank Ltd.
04.2017 - 03.2018

Branch Manager (Senior Manager)

Bandhan Bank Ltd.
03.2015 - 02.2017

Deputy Branch Manager (Manager)

ICICI Bank Ltd.
05.2013 - 02.2015

Branch Operations Head (Assistant Manager - II)

ICICI Bank Ltd.
10.2009 - 02.2013

MBA - Marketing in Banking and Finance

ICFAI Business School

B.Sc. - Honours in Computers

Bengal University

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Vikram Vasnadani