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GURBINDER Banwait

@gurbinderbanwait

I build enterprise risk controls and regulatory remediation programs for global financial institutions.

United States
Message

At Citigroup, I lead second-line oversight, quality assurance, and control frameworks for Retail and Wealth portfolios across 15+ markets. I deployed AI-enabled control-gap detection tooling that supported a clean OCC examination outcome and led risk simplification work that reduced control complexity by an estimated 30%.

Across Citi, EY, PA Consulting, Capgemini, Accenture, and GE Consumer Finance, I’ve delivered credit risk governance, audit, regulatory readiness, Basel compliance, and remediation programs in New York and London. I advise senior leaders and risk committees, lead global teams, and translate regulatory expectations into effective, sustainable control environments.

Experience

Work history, roles, and key accomplishments

Citigroup logoCI

Managing Director – Retail & Wealth QA and Controls

Jan 2024 - Jan 2026 (2 years)

Led control identification and effectiveness framework for Independent Risk – Retail and Wealth, and provided second-line risk oversight for delinquency-managed consumer portfolios across 15+ markets. Deployed AI-enabled automated control gap detection tooling and led a firm-wide risk simplification initiative reducing control complexity by an estimated 30%.

Education

Degrees, certifications, and relevant coursework

Lancaster University logoLU

Lancaster University

Master of Science, Management Science

MSc in Management Science from Lancaster University.

University of Greenwich logoUG

University of Greenwich

Bachelor of Science, Mathematics, Statistics, and Computing

BSc in Mathematics, Statistics, and Computing from the University of Greenwich.

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