VIPIN C SAJU
Chennai
Summary
Senior Risk Management Consultant with 6.8 years of experience in enhancing productivity and efficiency. Specializes in quantitative risk analysis, regulatory compliance, and strategic risk mitigation. Demonstrated expertise in critical thinking and problem-solving for managing complex risk scenarios. Committed to leveraging analytical skills and collaboration to strengthen organizational resilience and support informed decision-making.
Overview
6
6
years of professional experience
Work History
Senior Risk Management Consultant
Citi Bank
Chennai
07.2023 - Current
- Experienced in evaluating the effectiveness of controls under MCA and GRC frameworks, ensuring alignment of control objectives with identified risks and assessing whether controls are effectively designed to mitigate financial and non-financial risks.
- Proficient in reviewing PRCM templates across multiple risk categories (Tier 1–Tier 5), conducting end-to-end control testing, and documenting findings with actionable remediation recommendations.
- Successfully managed 430+ customer service control reviews, meeting stringent monthly and quarterly deadlines while ensuring operational rigor.
- Collaborated with initiative owners and onshore partners to track remediation of identified gaps, strengthen enterprise control frameworks, and enhance overall operational resilience.
- Skilled in post-review follow-up, monitoring fulfillment of conditions, and escalating roadblocks to ensure cycle-time discipline within the risk review process.
- Contributed to process improvement initiatives by identifying control design gaps, facilitating PRCM redesigns, and enhancing efficiency and effectiveness of the monitoring process.
- Experienced in preparing and submitting control testing results in Quest and CR&C applications, meeting stringent monthly and quarterly deadlines (QRA).
- Skilled in Control Design Assessment, evaluating whether control objectives are appropriately aligned to the risk they are intended to mitigate( fully or partially), and assessing whether the controls are effectively designed to achieve their intended objective.
Risk Analyst Consultant
Citi Bank
Chennai
03.2022 - 06.2023
- Maintenance of monitoring tools in the Citi Risk & Controls platform for monitoring execution which supports Manager Control Assessment and backing up in performing the quality checks on the executed monitoring activities
- We act as First line of defense assessing whether controls designed to mitigate risk are effectively implemented as intended. This includes examining processes,procedures and system to ensure they align with control objectives.
- Evaluating the ongoing effectiveness of controls in mitigating risks .This will involve sampling activities to verify that controls are operating as intended and achieving the desired outcome.
- Collaborating with the stakeholders ( e.g., Risk management,Compliance) to ensure alignment in control testing methodologies, sharing of information, and addressing any identified control issues comprehensively.
Senior Fraud Analyst
Wells Fargo
Chennai
09.2020 - 02.2022
- Evaluated claims for accuracy and compliance with company policies
- Analyzed data to identify trends and patterns in claims processing.
- Assisted in training new analysts on best practices for claims handling.
- Maintained accurate records of all claim activities in accordance with company policies.
- Managed escalated cases involving high-value claims or multiple parties involved.
Fraud Operations Specialist
Wells Fargo
Chennai
03.2019 - 08.2020
- Handle,review,investigate and resolve the customers fraud disputes on their ATM/Debit cards.
- Analysis of debit card claims by researching on all disputes inquiries and respond to issuer disputed through VISA
- Created reports summarizing dispute resolutions for senior management review.
- Managed multiple projects while meeting strict deadlines.
- Successfully managed and resolved fraud claims for high value accounts, improving claim resolution times by 25% and recovering over half million in fraudulent transactions.
Education
MBA - Banking And Finance
SRM Easwari Engineering College
Chennai 09-2018
Skills
- Risk assessment and mitigation
- Regulatory and compliance knowledge
- Governance Framework
- Control design assessment
- Control testing
- Risk evaluation
Affiliations
- Active member of Citi's employee engagement activity
Accomplishments
- Received Silver, Copper, and Bronze awards from Citi onshore partners in recognition of excellence, accuracy, and consistent high-quality deliverables
Timeline
Senior Risk Management Consultant
Citi Bank
07.2023 - Current
Risk Analyst Consultant
Citi Bank
03.2022 - 06.2023
Senior Fraud Analyst
Wells Fargo
09.2020 - 02.2022
Fraud Operations Specialist
Wells Fargo
03.2019 - 08.2020
MBA - Banking And Finance
SRM Easwari Engineering College
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