Deepika Kanojia

Alternate Principal Officer

Country

India

City

Bengaluru

Industry

Skill

Internal/External Consulting, Liquidity Risk Management, Finacle, Regulatory Requirements, Auditing, Complaint Management, Asset Integrity Management (AIM), Audit Management, Asset and Liability Management (ALM), Pre-opening, Risk-Based Inspection (RBI), Regulatory Reporting, Salesforce CRM Analytics, Prior Authorization, Cross-border Transactions, Regulatory Filings, Statutory Audits, Compliance Reporting, Training, Operational Audits

Experience

Alternate Principal Officer

Pine Labs Private Limited

Senior Compliance Manager

Pine Labs

2018-12 - Present · 7 yrs 10 mos

Bengaluru

Act as key support to Principal Officer in end-to-end AML program governance, including STR filings, regulatory reporting, and compliance oversight. Lead transaction monitoring operations – alert disposition, escalation, and closure within defined TATs. Anchor RBI inspections and regulatory communications, driving timely submission of responses and closure of observations. Develop and periodically update AML, KYC, and Merchant Onboarding policies in alignment with RBI guidelines. Establish merchant risk frameworks including onboarding risk scoring, underwriting, and Enhanced Due Diligence (EDD). Present AML dashboards, compliance MIS, and risk insights to senior management and Board for decision-making. Lead internal/external audits (RBI, ISO, statutory, acquiring bank audits) and ensure closure of findings. Collaborate with product and technology teams to implement AML automation and system enhancements. Conduct enterprise-wide AML/KYC training and capability-building programs.