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SUBASH V (+91 – 9900102415)
4/1, 3rd Cross, 1s t Main, Maruthi Extension, Srirampuram Post,
Bangalore, INDIA, Pin 560021 Email: aswinsubash@gmail.com
CAREER SUMMARY
CAMS & CFE working in Banking Industry. Global experience in Corporate Finance, Trade Finance, Account
Management, Credit, Customer Relations, Leadership, Team Building, Training, ProblemSolving, Know Your Customer
(KYC) and Anti Money Laundering (AML) and Regulatory Compliance.
PROFESSIONAL EXPERIENCE
Kotak Mahindra Bank (Formerly ING Vysya Bank Ltd) August 2006 – Present
The organization is a Banking Companyhaving over 1200 offices spreadacross 22 statesinIndia and is a Scheduled
Commercial Bank.
Associate Vice President - Audit October 2014 - Present
Key Responsibilities
 Plan, develop andexecute audit programs inaccordance withacceptedInternal Auditing Standards and local
regulations;
 Supervise the audit staff;assigntasks, monitor progress and work flow;Sign leave request and approve work
hours;
 Manage training anddevelopment of staff on all relevant technical subjects through adequate amount of
continuing education; Conduct periodic staff performance appraisal and job evaluation;
 Carry out qualityreview of assignments at random to identifyanydeficiency in audit process and address it
through feedback and guidance;
 Developandpresent retail banking audit summaries andcurrent status reports of quarterly/semi annual audits
to the Senior Management/ACB and the Board.
Head – FEC (Financial Economic Crimes) Policy, Advisory & Training August 2012 – September 2014
Key Responsibilities
 Develop Compliance frame-workfor KYC& FECfor the Bankcovering retail, wholesale, corporate, commercial
and private banking takinginto account regulatoryrequirements, and ensure implementation of Policies and
Processes;
 Ensure that the activities are carried out incompliance withthe regulatoryframe-work;ensure that the returns
are filed with the regulators in time;
 Identifypotential areas of compliance vulnerability and risk; develop appropriate mitigating controls;
 Report to Senior Management and Boardon a periodic basis, the status ofcompliance to regulatoryguidelines;
 Build BusinessPartnership withvarious stakeholders like Business, Ops, IT and other risk functions through
engagement inall issues in order to ensure Compliance requirements are integrated/embeddedin all processes
pursuant to comprehensive and compelling business analysis;
 Ensure fair and equal allocation of roles and responsibilities to Team Members;
 Manage training anddevelopment of staff on keydevelopments in Financial Economic Crime environment;
 Prepare annual compliance plan and place it before Board for approval.
Accomplishments
 Ensured 100% Compliance to Financial Economic Policiesacross the Bankand thus prevented possible regulatory
action.
 Created awarenessthroughawareness mailers such as did you know (DYK), conducting quizzes about the
importance of KYC adherence across the Bank

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Head – Anti Money Laundering October 2009 – July 2012
Key Responsibilities
 Accountable for implementingthe Bank’s AML strategy, policyand standards, controls and systems covering
retail, wholesale, corporate, commercial and private banking;
 Manage the implementationcriteriafor integrationand analysis of suspicious activitysurveillance andreporting
results, escalation of analysis and events across the Bank;
 Oversee interactions withAML teamfor internal andexternal stakeholders in relation to AML risk (including
regulators);
 Leadershipto drive, develop and implement programs to quantifyimpacts andimplement actions to address,
manage and mitigate impacts of AML risk embedded in client activity within the Bank;
 Establishglobalstandards andstrategic policieswithinthe Bank whichensure AML exposure to current risks and
emerging arising risk is managed appropriately, in a commercially focused and practical manner;
 Drive and deliver training on AML risks for all business products, services across the Bank;
 Manage a team to oversee AML activities, including Investigations team;
 Perform Management functions including personnel evaluation, coaching, and team leadership, budget and
leave administration.
Accomplishments
 Managedinvestigations unit with (9) investigators & Enhanced Due Diligence, Client Conduct Integrated Risk (3)
– 12 total, for the Bankwith various business verticalslike financial markets, trade finance, credit risk etc, having
employees of around 10000;
 Ensured no attrition and motivated team so that the set targets are achieved within timelines;
 Directlycontributedto the creation of a centre of expertise within then ING Vysya Bank dedicated to the
identification, investigationandmitigationof money laundering, terrorist financing activities in particular
investigation of clients’ activities and enhanced due diligence;
 Produced time efficient and cost efficient procedures to respondto Country’s topinvestigating agencies, which is
an everyday process to continue to refine and eliminate any unproductive duplicate proce sses;
 Regular speaker on Anti MoneyLaundering and Fraudat Bank’s Competence Development Centre and various
training institutes in Bangalore, India ;
 Implemented new AML monitoring solution in a record 90 days’ time.
Senior AML Manager April 2007 – September 2009
Key Responsibilities
 Investigate and assess the risk of assigned alerts identified by the bank’s AML monitoring solution;
 Maintainproper records andaudit trail of investigation activityand disposition actions for all assigned alerts ;
 Prepare case reports for review outlining the depthof investigationactivity, riskassessment andrecommended
remedial actions;
 Provided direction and guidance on appropriate remediation action for high risk accounts ;
 Maintainproactive relationships withthe business andencourage a strong bankwide AML compliance;
 Identifyabnormal or unusual transactionpatterns and seekclarifications fromthe business units for anycriminal
typologies and developing trends for tax evasion;
 Analyze the transactiondata andthe clarifications receivedto establish whether the transaction is suspicious or
otherwise;
 Recommend for filingsuspicious transaction report to FIU-India.
 Verifying the lists of OFAC, UN sanctions etc to denypeople whose names are finding in them for developing
relationships with the bank;
 Using Fircosoft file filter to monitor Cross border transactions and to monitor the cautionlists published by RBI,
UN, Govt. and ING;
Accomplishments
 Implementedprocessesthat analyzedandinvestigated on an average 85 customers’ accounts, businesses’
accounts and personal records on daily basis using data mining and accounting skills;
 Monitoredand investigatedsuspicious accounts/Customers withmasteryof Suspicious Accounting Reporting
techniques;

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 AnalyzedSAR data to identifytrends to improve monitoring rules and/or to utilize surveillance techniques to
mitigate risk and meet regulatory expectations.
Manager – Internal Audit July 2006 – March 2007
Responsible for conductingaudit of various branch units and recommend appropriate process controls to prevent
operational and financial risks for the bank
 Reduceddelinquencies inthe implementation ofprocesses by the branch units by recommending improved
control mechanisms.
 ReducedTAT by30% in issuingaudit reports byquicklyobtaining responses fromthe branchunits and preparing
work papers promptly.
Syndicate Bank, Many Branches (various roles) Nov 1983 – June 2006
The organization is a government ownedbank, having more than3000 officesin India and abroad with employee
strengthof over 40000. The total business ofthis Bank is over INR 300,000 Crores, having clientele covering SME,
farmers, corporate, private banking, international clients and many government departments.
Accomplishments
 Developedfee based incomes for the branches therebyincreasingthe noninterest income for the bank byabout
10%;
 Mobilizedlow cost deposits to the extent of 15% for the region whichresultedinimproved profitability for the
branches;
 Mobilizedsmallloanproposals worth Rs.100 Crores covering over 100 clients so that risk of concentration
among big borrowers is balanced by these proposals ;
 Well appreciatedfor collections of chronic overdue loan accounts byabout 25% therebyreducingthe provisions
which impact profitability;
 Keyplayer in organizing promotion events for the mobilization ofnew clientele innew and unexplored pockets;
 Developedthe secondarymortgage transactions while increasing bank's own portfolio by about 12% that is
strongly associated with loans secured;
 Well recognizedfor the result drivenattitude inachieving the targets of credit and trade finance business ;
 Well appreciatedfor the novel strategies incorporatedinthe Risk management and mitigation of risk using
managerial resources that led to reduction of operations risk by about 20%;
 Certifiedfor recuperating non performingloans, being the topper inAll-India, contributing to the total savings;
 Maintainedstrict control regime in branches to ensure that the banking operations are free from fraud.
EDUCATION & TRAINING
Indian Institute of Foreign Trade, New Delhi
Masters in Business Administration (International Business) - 2004
Indian Institute of Banking and Finance
Certified Associate of Indian Institute of Bankers - 1990
University of Madras
Bachelor of Science – Mathematics, Physics and Chemistry - 1983
Master of Arts – Economics - 1995
Diploma in Labor Laws - 1990
Annamalai University
Post Graduate Diploma in Personnel Management - 1990
Association of Certified Fraud Examiners (ACFE), Austin, Texas
Certified Fraud Examiner (CFE) – Certified - 2011
Association of Certified Anti Money Laundering Specialists (ACAMS), Miami, Florida, USA.
Certified Anti Money Laundering Specialist (CAMS) – Certified - 2011