Indian Classical Music
Yogesh Gautam
Bangalore
Summary
Knowledgeable Risk & Payments Manager equipped with strategic planning and program leadership abilities honed in Fintech (Payments) & Banking industry environments. Establishes strong and successful policies to mitigate risk at each level and establish clear procedures for assessments, prevention and containment. Familiar with regulatory requirements to maintain strict controls. Organized Compliance Manager offering 7 years of progressive career development and expertise in Regulatory Compliance. Exceptional skill in interpreting and summarizing regulations to drive organization-wide compliance.
Overview
9
9
years of professional experience
6
6
years of post-secondary education
4
4
Certifications
4
4
Languages
Work History
Regulatory Compliance Manager
Worldpay
01.2024 - Current
- Regulatory Compliance Manager
1. Saudi Arabia: Payment License Application
- Spearheading the end-to-end application process for obtaining a Payment Service Provider (PSP) license in Saudi Arabia under SAMA regulations.
Collaborated on drafting, reviewing, and submitting regulatory documentation, including the Entity Incorporation Form and Board of Directors’ undertaking letters.
Provided strategic insights into local compliance frameworks, ensuring alignment with SAMA's guidelines on outsourcing, AML-CFT, cybersecurity, and data protection.
Partnered with senior management to design and implement a roadmap for regulatory compliance from initiation to final approval.
Conducted comprehensive analysis of SAMA regulations to ensure alignment with licensing requirements and operational compliance.
2. India: Regulatory Compliance
Managed compliance programs aligned with RBI mandates, including data localization, tokenization, and cross-border payments etc.
Actively participated in audits and regulatory reviews, contributing to policy updates for adherence to changing RBI mandates.
Collaborated with stakeholders to address compliance gaps, including remediation plans for data localization and transaction monitoring
3. Cross-Market Compliance Expertise
Developed and implemented regulatory compliance frameworks tailored to the unique legal and operational requirements of India and Saudi Arabia.
Acted as a liaison between legal, technical, and business teams to address compliance challenges in a multi-regulatory environment.
Conducted training and awareness sessions for internal teams on SAMA and RBI regulations to enhance organizational understanding.
Compliance Manager
FIS
07.2022 - Current
- Monitors and communicates regulatory changes that impact FIS products, services and business activities.
- Associated with Worldpay Payment Gateway stakeholders to comply with Indian payments guidelines circulated by RBI.
- Develops, modifies and executes SOPs/Playbooks that affect immediate operations.
- Oversees development and implementation of compliance program policies and standards
- Performs periodic reviews and evaluations of FIS products, services and business activities to validate compliance with applicable laws and regulations or detect regulatory violations, weak controls or other potential areas of exposure.
- Assisting Worldpay Singapore PG Team to file the PSP license.
Compliance, Risk & Payments Manager
Instamojo Technology Pvt Ltd
01.2019 - Current
- Responsible for providing end to end payment solutions to Key merchants, enabling instruments like Cards/NB/Wallet basis on the available risk.
- Taking care of a team of 4 people who works on Transaction Monitoring , Fulfillments and Legal Disputes.
- Assist in administration and review of client risk scoring, KYC & follow RBA
- Creating rule based triggers to mitigate the payments frauds
- Good understanding of FATF/AML/CFT/CDD framework along with strong research and analytical skills
- Identifying Transaction Laundering cases, exploring new ways of such money laundering patterns and implementing robust rules to detect it at early stages.
- Having an understanding on filing an STR to FIU-IND.
- Developing strategies to detect new/ongoing fraud patterns/MOs, implementing rules to trace such frauds at early stages.
- Defining specific threshold/cut-offs for the respective "Fraud Triggers" & define various segment level treatments basis severity (straight reject,additional documents, manual verification etc.) ensuring high fraud capture% and minimum possible false positives for straight reject pool.
- Working with Law enforcement agencies,Cybercrime cell, Cybersafe (FOCORD), FIU & ED to strengthen the relationship and creating data sharing model thorough API integration.
Deputy Manager
Axis Bank Pvt Ltd
04.2017 - 01.2019
- Handling NRI segment & its operations of Gulf Countries & UK through available digital modes (Skype & Webchat).
- Taking care of Inward & Outward remittance, Forex, Onboarding, KYCs, AML(TM).
- Responsible for new onboarding , KYC checks ,CDD, EDD & Transaction monitoring.
Deputy Manager
ICICI Bank Pvt Ltd
01.2016 - 11.2016
- Part of ICICI Bank branch banking ,handling domestic & NRI portfolios.
Education
MBA - Banking & Finance
Manipal Academy of Higher Education
Bangalore 01.2015 - 01.2016
Electronics & Telecommunication
Shri Shankaracharya Technical Campus
01.2008 - 01.2013
Skills
Trend Analysis
Root Cause Analysis
Exposure Assessment
Conducting investigations
Regulatory Compliance
Team Building/Handling
AML/CFT
Accomplishments
- Robotic Virtual Account Abuse - Internal Project (Offsite) Sep 2020 to Present (Full Time) . Figuring out the multiple ways to detect virtual account frauds which cause the platform abuse
- Fraudsters Data Analysis - Cybersafe , FIU & Bangalore Crime Cell Ministry of Home Affairs (Offsite) - Jun 2020 to Present (Full Time). Closely associated with Cybersafe (FOCORD) , Financial Intelligence Unit & Bangalore Cyber cell to create a Fraudsters database that will be accessible for all the payment aggregators.
- Brand Abuse - Risk Screening Internal Project (Offsite)Jan 2019 to Present (Full Time).Identifying Brand Abuse fraudsters, those who try to use Instamojo for penny transactions to gain the trust of victims and commit frauds
- PG Onboarding/Cost Optimization Process/Mass MCC Enablement HDFC, Kotak, YBL (Bangalore : Offsite)Feb 2019 to Present (Full Time). Dealing with a bunch of payments/banking partners on PG onboarding and handling daily merchant onboarding process under the Aggregator model. Responsible for activating payment instruments including cards. Creating an end to end payments solutions for end sellers.
TOOLS
ZIRA, Confluence , Metabase , Pipdrive , Zendesk , Trello, Periscope, Archer
Certification
KYC-AML Compliance Officer
Interests
Playing Guitar
Music
Have learnt Indian Classical Music for 5 years and performed in various stages/competitions.
Timeline
ICA ( Regulatory Compliance)
09-2024
Regulatory Compliance Manager
Worldpay
01.2024 - Current
Compliance Manager
FIS
07.2022 - Current
Compliance, Risk & Payments Manager
Instamojo Technology Pvt Ltd
01.2019 - Current
Deputy Manager
Axis Bank Pvt Ltd
04.2017 - 01.2019
Deputy Manager
ICICI Bank Pvt Ltd
01.2016 - 11.2016
MBA - Banking & Finance
Manipal Academy of Higher Education
01.2015 - 01.2016
Electronics & Telecommunication
Shri Shankaracharya Technical Campus
01.2008 - 01.2013
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