Open to opportunities

Matilda D’Cruz

@matildadcruz

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Seasoned banking professional with expertise in risk assessment and compliance.

New Zealand

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What I'm looking for

I am looking for a role that values compliance and risk management, offering opportunities for growth and collaboration.

I am a seasoned banking professional with over 20 years of experience in risk assessment, credit underwriting, compliance, and sales quality audits within the Indian banking system. My expertise lies in regulatory adherence, including RBI, IRDA, and AML, as well as customer onboarding and fraud prevention. I have a proven track record of enhancing compliance frameworks and collaborating with cross-functional teams to improve banking performance.

Throughout my career, I have successfully led initiatives to strengthen financial crime control and improve audit effectiveness. My roles have included Associate Vice President at HSBC, where I recommended process improvements and conducted audits to ensure compliance. I have also trained frontline sales teams on regulatory requirements, ensuring operational excellence while mitigating risks.

My commitment to process improvement and stakeholder collaboration has consistently resulted in enhanced compliance and customer satisfaction. I am now seeking opportunities in New Zealand where I can leverage my extensive experience to contribute to a forward-thinking organization.

Experience

Work history, roles, and key accomplishments

Associate Vice President – De-risking Compliance and Controls

HSBC

Jul 2020 - Oct 2024 (4 years 3 months)

Recommended and implemented process improvements to enhance audit effectiveness and regulatory compliance. Conducted audits for brokers and agencies to ensure compliance and process integrity. Led initiatives to strengthen financial crime control and improve control implementation.

Regulatory Compliance Anti Money Laundering Financial Crime Process Improvement Audit

Senior Manager – Sales Quality: Audit

HSBC

Apr 2012 - Jun 2020 (8 years 2 months)

Performed periodic assessments of internal control systems to evaluate their effectiveness and appropriateness. Ensured the implementation of internal and external policies and guidelines across various products and processes. Conducted regular training sessions and interactive discussions with frontline staff.

Internal Controls Policy Implementation Regulatory Compliance Training Process Improvement

Manager – Sales Coaching & Training to Front line

HSBC

Jun 2010 - Apr 2012 (1 year 10 months)

Provided strategic direction to the frontline sales team to achieve monthly disbursal volume targets. Managed and resolved customer complaints related to the sales process. Identified and mitigated sales and staff-related fraud in coordination with the HR department.

Sales Coaching Training Fraud Mitigation Performance Monitoring

Fraud Investigation and Risk Officer

HSBC

May 2006 - Jun 2010 (4 years 1 month)

Utilized Instinct Software for risk assessment and approval of applications based on retail asset risk profiles. Verified customer information and conducted KYC checks for various loan types. Evaluated risks associated with banking operations, covering business, financial, and management aspects.

Risk Assessment KYC Fraud Investigation Credit Risk Management

Assistant Manager: Credit Underwriting

HSBC

Mar 2002 - May 2006 (4 years 2 months)

Underwrote retail asset products, including home loans, loan against property, and SME loans. Coordinated with lawyers and valuers for legal and valuation services. Made credit decisions in line with the central team’s policy and process for all applications.

Valuation

Loan Officer

Citibank

May 2001 - Feb 2002 (9 months)

Underwrote retail asset products such as home loans, personal loans, and car loans. Organized and conducted interviews with applicants applying for home loans. Recommended loans with higher limits when appropriate.

Interviewing