ROMIL GUPTAMobile: (+91)7746830766, 7771001892,E-mail: romilgupta2000@rediffmail.com

In quest of challenging assignments, in the field of Risk Management with a banking or non-banking financial organization.

Brief Overview Result-driven professional with diversified experience of over 14 years

including 10 years in Fraud Risk Management in banking sector. Associated with IDFC Bank Ltd., Hoshangabad as Chief Manager Fraud

Control Unit and Internal Controls. Ability to Plan, asses and analyze different situations and come up with

solutions. A good communicator with interpersonal, team building, negotiation and

analytical skills.

Work Experience

Currently working with IDFC Bank Ltd. as Chief Manager FCU and internal controls based at Hoshangabad from 30th July 2015 till date.

Job responsibilities:

Setting up of fraud control unit and internal controls framework within MP for Bharat Banking vertical (Rural banking) of IDFC Bank Ltd.

Identification and empanelment of vendors for fraud control unit.

Identification and induction of resources to build a robust internal control team.

Providing inputs and insights to senior management for development of process and policies related with internal controls and fraud control unit.

Identifying operational and fraud risks and mitigates in newly framed process notes and SOPs.

Design and development of Internal Controls checklists, test sheets etc..

Control testing for retail assets and liabilities process.

Branch reviews.

Report any shortcomings in the existing process and suggesting process improvements.

Pre and post disbursement FCU / RCU activities like screening, sampling, post disbursement asset verification etc. for Bharat Banking ( rural banking ) & Consumer Banking products like CV, TW, SME, MSME, HL, LAP, PL, micro business loans, JLG etc. for PAN India.

Training to stakeholders including BMs, BOMs, Frontline Sales team members for creating awareness on operational risks, fraud prevention and need of process adherence.

Kotak Mahindra Bank Ltd.

Worked with Kotak Mahindra Bank ltd., Indore as Area Manager, Risk Control Unit – Commercial Banking for Madhya Pradesh & Chhattisgarh from 7th April 2014 till 24th July 2015.

State Manager Risk Control Unit – Commercial Banking for Madhya Pradesh from 22nd Oct. 2010 to till 6th April 2014.

Responsibilities:

Performing risk evaluations ( Sampling ) for minimization of Fraud losses for tractor and farm equipments, commercial vehicles, construction equipment, agri business loans and Auto loans.

Fraud Investigations Employee background verifications. Employee misconduct investigations Team Management ( Leading a team of 23 on roll and off roll risk executives) Process Management Cost Control TAT and Quality of reports and MIS Fixing Responsibilities and Setting deterrents Outsourced Agency Management Implementing better management and risk control strategies. Training various stake holders of risk management measures that can be taken to

reduce credit and reputation losses. Reputation Risk Management

Additional responsibilities:

RCU process manager for Kotak Mahindra Prime Limited from 7 th April 2014.

Kotak Mahindra Prime Limited is the auto loans subsidiary of Kotak Mahindra Bank Ltd. The role and responsibilities include:

RCU process review. Risk analysis of the portfolio. Overlooking all the RCU related activities of KMPL. Implementing best practices. Knowledge sharing. Coordination between various stakeholders.

Area Risk Manager: Investigations for ICICI Bank Ltd. From Aug.06 to Oct.10

Responsibilities

Investigation of all frauds pertaining to loan, card and liability products. (Investigation of post-acquisition frauds of all loan products such as home loans, auto, two wheeler, personal loans, credit and debit card frauds, phishing and lottery frauds as well as instrument frauds.)

AML investigation. Compliance. Risk Management for E-com & Key merchants (Merchant Vetting) Responsible for acquiring portfolio quality. Ensuring Quality Investigation & TAT deliverables Fraud Recoveries & minimisation of fraud loss Agency / MIS review & feedback to team Cost Reduction & Rationalization Trend Analysis & corrective action Initiatives & Best practice sharing Agency management Trainings to law enforcement agency and various other stakeholders Networking and coordinating with various stake holders Manpower utilization as per business plans Providing Product & Process related feedbacks & inputs to P&P Team. Seeding of various stake holders Channel Review Co-ordination between business & RCU team

From Dec.03 to August.06 :Tata McGraw Hill Publishing Company Ltd. as Sales Executive.

Responsibilities

To promote the products of Tata McGraw-Hill Publishing Co. Ltd in all the leading Engineering & other technical institutes and teaching shops and handle the distribution network efficiently and effectively in the respective territory. I was handling SEM Portfolio for Rajasthan, M.P. & Chhattisgarh independently and directly reporting to the Regional Sales Manager

From July '03 to Dec ’03 :Ashi International, New Delhi. An Importer & marketer of Inverter Batteries, as a Marketing Executive

From July’02 to July’03:TayalTelesystemsPvt.Ltd.New Delhi as a Marketing Executive.

Academic Qualification MBA (Marketing & HRM) from Jiwaji University, Gwalior in 2002. B Sc. (Biology) from Rani Durgawati University, Jabalpur in 2000.

Certifications: JAIIB ( IIBF ) Know Your Customer and Anti Money Laundering ( IIBF ) Cyber Risk and Fraud Management ( IIBF )

Languages Known:- English & Hindi (Fluently Read, Write & Speak)

Personal details:-Father’s Name : Shri V.K SihareSex : Male.Date of Birth : 26th Sept. 1980Marital Status : Married. Current Address : J-203, Reva City, Near Narmada Hospital Harda

Bypass Road, Hoshangabad (M.P) 461001Phone Number : 7746830766, 7771001892E-mail Id : romilgupta2000@rediffmail.com

DeclarationI hereby declare that the above mentioned information is correct up to my knowledge & I bear the responsibility for the correctness of above mentioned particulars.

Romil GuptaPlace: HoshangabadDate