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Sushanta RoyContact Details roy.sushanto@gmail.com

+91- 9004041017/9619096100

SUMMARY

A versatile individual with a logical and independent mind who believes in the pursuit of excellence through visionary strategies in a dynamic and professional environment. Core competencies include very good understanding of banking business and industry, good liaison with banking regulator and international exposure, both professionally and academically.

EDUCATION

AML/CFT – Certified Anti-Money Laundering Course from IIBF

MBA - Glyndwr University affiliated to the University of Wales, UK, 2009 (Full time – 2 year Programme), on sabbatical starting Aug 2008 to Jan 2010.

B.Sc - Ashutosh College, Calcutta University, 1989

PROFESSIONAL EXPERIENCE

A Banking professional with 22 years of diverse, in-depth experience, spanning

Strategy & Expansion of International Banking

International Compliance

Branch Banking - Management & Development

Retail Banking – Operations and Sales.

Previously worked with Reserve Bank of India. Have significant good contacts with Regulators

DETAILS OF WORK EXPERIENCE

Feb 1996 - Till date Axis Bank Limited

Jan 2014 - Current Assistant Vice President – Compliance; Customer Service Department Central Office, Mumbai- Compliance and Risk Officer (CARO) towards Compliance Risks,

Operations Risks and Financial Reporting Risk under the EGRC platform. Assess processes towards risk and compliance ratings and mitigation of high risk areas with better process improvements.

- Heading a team towards analysis of customer complaints, identifying Gaps and Formulating better processes towards reducing complaints and increasing Customer Experience.

- Responsible for monitoring of regulatory compliance for all Customer Service issues, raised by Incognito visits by the Regulators, matter discussed with all departments for better synergy & submission of reports to the Top Management and RBI.

- Assigned to align/ monitor the overall system of recording complaints as per regulatory standard.

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- Recently, was entrusted by the Group Executive, to compile the training material for the new MD & CEO for identified for Axis Bank UK (our UK Subsidiary)

Sept 2012-Dec 2013 Assistant Vice President – Compliance; International Compliance

Cell, Central Office, Mumbai- Geography Head for Hong Kong Branch, Sri Lanka Branch, Shanghai

Branch & Axis UK Subsidiary- Responsible for review of all governance matrix policies &

manuals including AML/CFT policies/ manuals related to overseas locations from Compliance perspective.

- Review of all new product/ change of products, related to NRIbusiness prior to PMC/ CMC for the UK Subsidiary.

- Responsible for monitoring of regulatory compliance of overseas geographies as a control from Central Office, MIS submissions to the Top Management on effective functioning of overseas offices.

- Controlling & Monitoring of Automated Data Flow (ADF) Project of RBI for Axis Bank from the Compliance perspective, Audit check on validation and correctness of data.

April 2011- Aug 2012 Assistant Vice President – Strategy & Expansion; International

Banking Central Office, Mumbai- Documentation of the Retail Banking products, Operation

Manual and General Terms & Conditions for the UK Subsidiary.- Designed the Retail Liability Products for the UK subsidiary, in sync

with the UK regulatory AML guidelines.- In-charge in customization of the Retail Liability Products and

e- banking products and features keeping in mind the UK regulations for the UK subsidiary in Finacle software & e-banking platform.

- Core personnel in steering the management forward towards completion for the Bank’s UK project.

- One-point contact during establishment of the Axis UK subsidiary.

Aug 2010- April 2011 Senior Manager – Admin & Strategy, International Banking Central

Office, Mumbai- In-charge for the total application process & submission to FSA for a

Banking License in the United Kingdom.- Drafted the Compliance Manual & Compliance Monitoring Program

for Axis UK.- Liaise and completion of IT initiatives from Compliance perspective

as per overseas regulations with the IT department.- Support official for all Axis UK Board meetings.

Jan 2010-Aug 2010 Manager – Admin & Strategy, International Banking Central Office, Mumbai- Core team member of the International Banking Department- Facilitating general administrative functions of the Bank’s

foreign offices in DIFC-Dubai, Hong Kong, Shanghai and Singapore- Controlling and monitoring functions of Overseas

Regulatory requirements and systems & procedures of the foreign offices

- Working on international expansion strategy of the Bank, both organic and inorganic.

- Core member in steering the management forward towards completion for the Bank’s UK project.

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Nov 2005-Aug 2008 Branch Head – Madhyamgram Branch, Kolkata- Strategic Planning & Business Development: Exploring

market trends & practices to identify fresh business opportunities. Conceptualizing, planning, implementing and monitoring successful business strategies, adhering to strict AML/ CFT guidelines.

- Team Management and Mentoring: Providing inspirational leadership to the branch team including training, development and motivation.

- Sales, Marketing & Personal Financial Consultancy: Marketing of the Bank’s retail and corporate asset and liability products and services including cross-selling of co-branded, bancassurance and third party products.

- Client Relationship Management: Ensuring Client servicing and satisfaction through excellent service delivery and standards.

- Branch Operations Management: Monitoring strict adherence to all statutory, regulatory & compliance requirements, KYC & AML norms.

- Profitability and Achievement: Achieving shift from the deposit

Model to the profitability model by implementing cost efficient ideas and projects, cost cutting and selling of income driven products. Successfully turned around the branch under-performing for 6 years to a 500% increase in overall business in a short span of two years.

Dec 2004-Oct 2005 Branch Sales Manager, Prince Anwar Shah Road Branch, Kolkata

- Sales Head of the Branch, responsible for marketing of the Bank’s CASA and Card products, cross-selling of co-branded and third party insurance and investment products and achievement of branch targets through the sales channel.

Feb 2003-Dec 2004 Deputy Manager – Kolkata Service Branch, Kolkata- Supervised in setting up of the Service Branch of the Bank

catering to all the branches of the Eastern Zone including processing of ECS, EFT and reconciliations.

- Monitoring the overall inward/ outward clearing process, normal, high value and interbank clearing.

Feb 1996-May 2003 Deputy Manager – Kolkata and Howrah, Kolkata- General Banking functions including cash, clearing, transfer,

remittances, deposits, delivery channels and customer service.

Jan 1990-Jan 1996 Reserve Bank of India, National Clearing Cell Clearing OperatorKolkata- Clearing of cheques of 52 member banks participating in clearing- Sorting of cheques in IBM sorter 3689/ 4980- Total reconciliation of inward cheques to RBI NCC- Balancing of individual bank and branches daily clearing report- Holding regular meetings with the representatives of the member

Banks for reconciliation and other issues

LANGUAGESEnglish, Bengali & Hindi

OTHER ACTIVITIES & INTERESTS Serious Creative Photographer

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Volunteer of the British Red Cross, UK Computer Geek

PERFORMANCE RATINGLast four Years – 4, 5, 3, 4 (5 being the highest & 1 being the lowest)

Available for any location preferably abroad.