Vishnu Gopal
Banking And Financial Services Professional
Bengaluru
Summary
An experienced Banking and Financial Services Professional with over 8 years of expertise in in Fin-tech, Legal & Regulatory Compliance and Shared Services Operations with proven team leadership, planning and organizational skills. Offering a history of success coordinating and monitoring operations across various departments. A goal-driven leader, with a strong personal accountability & ability to manage, motivate and empower diverse teams, in a dynamic climate.
Overview
8
8
years of professional experience
4
4
years of post-secondary education
Work History
Manager - Statutory Reporting
Capital Float (CapFloat Financial Services Private Limited)
Bengaluru
2018.06 - Current
- Handled ~3.5M customer data and ensure efficient reporting of tradelines to CICs (TU CIBIL, CRIF Highmark, Experian and Equifax).
- Driving process efficiencies by performing Root Cause Analysis on identified data anomalies to drive consistency and accuracy across all functions and credit bureau reporting platforms.
- Report trends and make recommendations and escalate issues/concerns appropriately to reduce error rates to senior management and internal stakeholders.
- Evidence of completion of all actions taken, including closed loop actions requested of business stakeholders (L3 and L2 process owners) confirming resolution (either corrected or deemed a false positive)
- Supporting sound governance practices by creating new and/or enhancing existing controls based on data anomaly and/or issue trends as applicable.
- Expanded cross-functional organizational capacity by collaborating across departments on priorities, functions and common goals.
- Controlled costs and optimized spending via restructuring of budgets for labor, capital assets, inventory purchasing and technology upgrades. Played a key role in saving cost ~Rs.4.8 crores p.a by implementing a process modification.
- Delivered feedback to decision-makers regarding employee performance and training needs.
- Cross-trained existing employees to maximize team agility and performance.
- Recruited and hired top performers to add talent and value to department.
- Kept detailed records of daily progress to identify and correct areas needing improvement.
- Evaluated vendors to maintain cost controls and improve operations.
- Evaluated employees' strengths and assigned tasks based upon experience and training.
- Accomplished multiple tasks within established timeframes.
- Maximized performance by monitoring daily activities and mentoring team members.
Senior Executive - Legal & Regulatory Compliance
Citibank N.A India
Chennai
2016.10 - 2018.06
- Focused on prioritizing a diverse range of tasks and balancing the demands of multiple Regulatory Institutions in adherence to the Bank's Compliance policies.
- Handled statutory notices received from various regulatory bodies in India, handle legal cases and summons in coordination with central legal, tax, business teams, and empaneled counsels of the Regulatory/Legal Channel to mitigate franchise risk and customer issues.
- Gathered voluminous data from various business units and culling out information as per the requirements put forth by the Regulatory Institutions.
- Conducted a series of investigations as per the policy to obtain case participant information.
Interacted with various business units and vendors to ensure timely submission of the information sought by the Regulatory Institutions. - Ensured sensitive regulatory notices are highlighted in real-time to senior management
- Circulated daily MIS to the senior management to update them of the notices received and status of the same.
- Ensured zero defect in the handling of attachment/revocation notices issued by Regulatory bodies and courts in terms of timely compliance.
- Handled telephonic conversations with regulators to ensure critical parameters are met and timely resolution is provided as per business and regulatory requirements.
- Ensured compliance to the 2Bank Secrecy Act, Information Security Act, Prevention of Money Laundering Act, and other policies of the Bank.
Process Analyst - Debt Management Ops
NatWest Markets (erstwhile RBS Services India Private Limited)
Chennai
2014.06 - 2016.10
- Was part of the Operations Shared Services Team of RBS Services India Private Limited.
- Handled multiple debt management processes of Ulster Bank - a member of The Royal Bank of Scotland Group.
- Created notices and issued repayment plan letters to defaulters.
Account maintenance and placing relevant restrictions on defaulted accounts. - Assigning collection agencies via onshore branches to collect payments.
- Writing off of defaulted accounts after a series of collections and recovery processes abiding by the Bank’s policies.
- Conducted training sessions and refresher/cross-training sessions for new joiners and existing team members.
- Was chosen to be part of a debt sale automation project.
- Was the key point of contact in India for the onshore team of Ulster Bank.
- Received Gold, Bronze, and Spot Ovations for contributions made in completing the project on time and also for efficiently handling high volume.
Education
Executive Post Gradute Diploma - International Business Strategy
Indian Institute of Foreign Trade
Kolkata 2021.02 - Current
BBA - Business Administration And Finance
University of Calicut
Kerala 2011.06 - 2014.04
Skills
Regulatory Compliance
Timeline
Executive Post Gradute Diploma - International Business Strategy
Indian Institute of Foreign Trade
2021.02 - Current
Manager - Statutory Reporting
Capital Float (CapFloat Financial Services Private Limited)
2018.06 - Current
Senior Executive - Legal & Regulatory Compliance
Citibank N.A India
2016.10 - 2018.06
Process Analyst - Debt Management Ops
NatWest Markets (erstwhile RBS Services India Private Limited)
2014.06 - 2016.10
BBA - Business Administration And Finance
University of Calicut
2011.06 - 2014.04
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