Pooja Deshmukh User
@poojadeshmukhuser
I lead global banking transformation, regulatory reporting, product delivery, and AI-enabled automation.
IndiaWhat I'm looking for
At Citi, I lead global delivery for strategic banking transformation, product, and technology initiatives across APAC, EMEA, NAM, and LATAM. I serve as Product Owner and SME for the Helios Workstation platform, leading AI/GenAI integration and 18 OMAI Guided Workflows.
I’ve delivered 24+ global releases with 99%+ production stability and achieved 100% defect-free production releases through rigorous testing, UAT, production validation, governance, RCA, and remediation. I also drove approximately 60% process automation through AI-enabled automation and digital transformation.
My work spans regulatory reporting, reconciliation, exception management, risk controls, data governance, operating model transformation, and end-to-end SDLC delivery. At JPMorgan Chase and eClerx, I owned global regulatory reporting and remediation across SEC, CFTC, CSA, HKMA, ASIC, MAS, and JFSA requirements, reducing reporting exceptions by 99%.
I lead and mentor global teams, coordinate executive stakeholders, and build governance that turns complex operational and regulatory challenges into reliable delivery outcomes. Across 19+ years in banking and financial services, I’ve combined product ownership, program management, process re-engineering, and control excellence to improve stability, compliance, and customer experience.
Experience
Work history, roles, and key accomplishments
Vice President
Citi Bank
Jan 2024 - Present (2 years 8 months)
Owns end-to-end global delivery of complex transformation, product, and technology initiatives, ensuring scope, schedule, quality, and regulatory compliance. Leads AI/GenAI integration and delivery of 18 OMAI Guided Workflows, and mentors 60+ global team members.
Owned end-to-end delivery and day-to-day operations for SEC and CFTC Credit Regulatory Reporting, ensuring timely and compliant reporting. Led process migration and transition initiatives, and served as SME and Product Owner for strategic global platforms.
Owned end-to-end delivery and day-to-day operations for global Trade & Transaction Regulatory Reporting across Rates and OTC Derivatives, covering CFTC, CSA, HKMA, ASIC, MAS, and JFSA jurisdictions. Led process transitions, UAT execution, and drove automation and reporting-efficiency initiatives.
Delivered end-to-end Brokerage Reconciliation, KYC reviews, client onboarding checks, internal audits, and daily MIS reporting. Served as SME for Lionbridge Process Migration, stabilizing the newly transitioned process and defining workflows.
Senior Associate
FSS Pvt. Ltd.
Oct 2012 - Apr 2015 (2 years 6 months)
Managed end-to-end ATM transaction reconciliation and settlement across SBI, Bank of Maharashtra, and Axis Bank portfolios. Performed UAT testing, RCA, fraud investigation, and chargeback resolution, coordinating with NPCI, CMS, and other systems.
Processing Officer
ADFC Pvt. Ltd.
May 2007 - Oct 2012 (5 years 5 months)
Executed daily GL and Switch-file reconciliation and settlement using DCRS across Visa, NFS, MasterCard, Cashnet, and Mchek voucher processing. Handled chargebacks, customer disputes, and KYC validations, ensuring accuracy and compliance.
Education
Degrees, certifications, and relevant coursework
University of Mumbai
MBA, Banking and Finance
2015 - 2017
Grade: 72%
Pursued an MBA in Banking and Finance, achieving 72%.
Tech stack
Software and tools used professionally
Availability
Location
IndiaAuthorized to work in
Salary expectations
Job categories
Skills
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