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SUBASH V (+91 – 9900102415)

4/1, 3rd Cross, 1s t Main, Maruthi Extension, Srirampuram Post ,

Bangalore, INDIA, Pin 560021 Email: aswinsubash@gmail.com

CAREER SUMMARY

CAMS & CFE working in Banking Industry. Global experience in Corporate Finance, Trade Finance, Account Management, Credit, Customer Relations, Leadership, Team Building, Training, Problem Solving, Know Your Customer

(KYC) and Anti Money Laundering (AML) and Regulatory Compl iance.

PROFESSIONAL EXPERIENCE

Kotak Mahindra Bank (Formerly ING Vysya Bank Ltd) August 2006 – Present The organization is a Banking Company having over 1200 offices spread across 22 s tates in India and is a Scheduled Commercia l Bank. Associate Vice President - Audit October 2014 - Present

Key Responsibilities

Plan, develop and execute audit programs in accordance with accepted Internal Auditing Standards and loca l regulations ;

Supervise the audit staff; assign tasks, monitor progress and work flow; Sign leave request and approve work hours ;

Manage training and development of staff on a l l relevant technica l subjects through adequate amount of continuing education; Conduct periodic s taff performance appra isa l and job evaluation;

Carry out quality review of assignments at random to identify any deficiency in audit process and address i t through feedback and guidance ;

Develop and present retail banking audit summaries and current status reports of quarterly/semi annual audits to the Senior Management/ACB and the Board.

Head – FEC (Financial Economic Crimes) Policy, Advisory & Training August 2012 – September 2014

Key Responsibilities

Develop Compliance frame-work for KYC & FEC for the Bank covering retail, wholesale, corporate, commercia l and private banking taking into account regulatory requirements, and ensure implementation of Pol icies and Processes ;

Ensure that the activi ties are carried out in compliance with the regulatory frame-work; ensure that the returns are fi led with the regulators in time;

Identify potentia l areas of compl iance vulnerabi l i ty and risk; develop appropriate mitigating controls ;

Report to Senior Management and Board on a periodic basis, the status of compliance to regulatory guidel ines ; Bui ld Business Partnership with various s takeholders l ike Bus iness , Ops , IT and other ri sk functions through

engagement in all issues in order to ensure Compliance requirements are integrated/ embedded in all processes pursuant to comprehens ive and compel l ing bus iness analys is ;

Ensure fa i r and equal a l location of roles and respons ibi l i ties to Team Members ; Manage training and development of staff on key developments in Financia l Economic Crime environment; Prepare annual compl iance plan and place i t before Board for approval .

Accomplishments

Ensured 100% Compliance to Financial Economic Policies across the Bank and thus prevented possible regulatory action.

Created awareness through awareness mai lers such as did you know (DYK), conducting quizzes about the importance of KYC adherence across the Bank

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Head – Anti Money Laundering October 2009 – July 2012 Key Responsibilities

Accountable for implementing the Bank’s AML strategy, policy and standards , controls and systems covering reta i l , wholesa le, corporate, commercia l and private banking;

Manage the implementation cri teria for integration and analysis of suspicious activity surveillance and reporting results , esca lation of analys is and events across the Bank;

Oversee interactions with AML team for internal and external s takeholders in relation to AML risk (including regulators );

Leadership to drive, develop and implement programs to quantify impacts and implement actions to address , manage and mitigate impacts of AML risk embedded in cl ient activi ty within the Bank;

Establish global s tandards and s trategic policies within the Bank which ensure AML exposure to current risks and emerging aris ing ri sk i s managed appropriately, in a commercia l ly focused and practica l manner ;

Drive and del iver tra ining on AML risks for a l l bus iness products , services across the Bank; Manage a team to oversee AML activi ties , including Investigations team; Perform Management functions including personnel evaluation, coaching, and team leadership, budget and

leave adminis tration.

Accomplishments Managed investigations unit with (9) investigators & Enhanced Due Diligence, Cl ient Conduct Integrated Risk (3)

– 12 tota l, for the Bank with various business verticals l ike financial markets, trade finance, credit risk etc, having employees of around 10000;

Ensured no attri tion and motivated team so that the set targets are achieved within timel ines ;

Directly contributed to the creation of a centre of expertise within then ING Vysya Bank dedicated to the identification, investigation and mitigation of money laundering, terroris t financing activi ties in particular investigation of cl ients ’ activi ties and enhanced due di l igence;

Produced time efficient and cost efficient procedures to respond to Country’s top investigating agencies, which is an everyday process to continue to refine and el iminate any unproductive dupl icate proce sses ;

Regular speaker on Anti Money Laundering and Fraud at Bank’s Competence Development Centre and various tra ining insti tutes in Bangalore, India ;

Implemented new AML monitoring solution in a record 90 days ’ time.

Senior AML Manager April 2007 – September 2009 Key Responsibilities

Investigate and assess the ri sk of ass igned a lerts identi fied by the bank’s AML monitoring solution; Maintain proper records and audit tra il of investigation activity and disposition actions for a l l ass igned a lerts ;

Prepare case reports for review outlining the depth of investigation activity, ri sk assessment and recommended remedia l actions ;

Provided direction and guidance on appropriate remediation action for high ri sk accounts ;

Maintain proactive relationships with the business and encourage a strong bank wide AML compliance;

Identify abnormal or unusual transaction patterns and seek clarifications from the business units for any criminal typologies and developing trends for tax evas ion ;

Analyze the transaction data and the clarifications received to establish whether the transaction is suspicious or otherwise;

Recommend for filing suspicious transaction report to FIU-India. Veri fying the lists of OFAC, UN sanctions etc to deny people whose names are finding in them for developing

relationships with the bank;

Using Fircosoft file filter to monitor Cross border transactions and to monitor the caution lists published by RBI, UN, Govt. and ING;

Accomplishments

Implemented processes that analyzed and investigated on an average 85 customers ’ accounts , bus inesses ’ accounts and personal records on dai ly bas is us ing data mining and accounting ski l l s ;

Monitored and investigated suspicious accounts/Customers with mastery of Suspicious Accounting Reporting techniques ;

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Analyzed SAR data to identify trends to improve monitoring rules and/or to utili ze survei l lance techniques to mitigate ri sk and meet regulatory expectations .

Manager – Internal Audit July 2006 – March 2007 Responsible for conducting audit of various branch units and recommend appropriate process controls to prevent operational and financia l ri sks for the bank

Reduced delinquencies in the implementation of processes by the branch units by recommending improved control mechanisms.

Reduced TAT by 30% in i ssuing audit reports by quickly obtaining responses from the branch units and preparing

work papers promptly.

Syndicate Bank, Many Branches (various roles) Nov 1983 – June 2006 The organization is a government owned bank, having more than 3000 offices in India and abroad with employee

s trength of over 40000. The total business of this Bank is over INR 300,000 Crores , having cl ientele covering SME, farmers , corporate, private banking, international cl ients and many government departments . Accomplishments

Developed fee based incomes for the branches thereby increasing the non interest income for the bank by about 10%;

Mobi lized low cost deposits to the extent of 15% for the region which resulted in improved profi tabi l i ty for the branches ;

Mobi lized small loan proposals worth Rs .100 Crores covering over 100 cl ients so that ri sk of concentration

among big borrowers i s ba lanced by these proposals ; Well appreciated for collections of chronic overdue loan accounts by about 25% thereby reducing the provisions

which impact profi tabi l i ty; Key player in organizing promotion events for the mobilization of new clientele in new and unexplored pockets ;

Developed the secondary mortgage transactions while increasing bank's own portfol io by about 12% that i s s trongly associated with loans secured;

Well recognized for the result driven attitude in achieving the targets of credit and trade finance bus iness ;

Well appreciated for the novel strategies incorporated in the Risk management and mitigation of ri sk us ing manageria l resources that led to reduction of operations ri sk by about 20%;

Certi fied for recuperating non performing loans, being the topper in Al l-India, contributing to the tota l savings ; Maintained s trict control regime in branches to ensure that the banking operations are free from fraud.

EDUCATION & TRAINING

Indian Institute of Foreign Trade, New Delhi

Masters in Bus iness Adminis tration (International Business) - 2004

Indian Institute of Banking and Finance

Certi fied Associate of Indian Insti tute of Bankers - 1990

University of Madras

Bachelor of Science – Mathematics, Physics and Chemistry - 1983

Master of Arts – Economics - 1995

Diploma in Labor Laws - 1990

Annamalai University

Post Graduate Diploma in Personnel Management - 1990

Association of Certified Fraud Examiners (ACFE), Austin, Texas

Certi fied Fraud Examiner (CFE) – Certified - 2011

Association of Certified Anti Money Laundering Specialists (ACAMS), Miami, Florida, USA.

Certi fied Anti Money Laundering Specia l i s t (CAMS) – Certified - 2011