Viraaj dubey

Director @ Pine Labs

About

Compliance professional with over a decade of experience across fintech, foreign, and universal banks. I work at the intersection of regulation, technology, and financial services, helping businesses stay ahead of regulatory expectations while building strong, scalable foundations.My journey spans the Fintech space, PA-PG business, cross-border payments, and digital banking, with hands-on exposure to regulatory frameworks from RBI, FIU, UIDAI, IRDAI, and NPCI. I've worked closely on product approvals, policy design, risk assessments, and cross-functional governance, always with a focus on making compliance practical, business-aligned, and forward-looking. I am also actively driving AI and automation integration within the compliance function to enhance monitoring, reduce manual effort, and build a scalable, future-ready compliance framework.

Country

India

City

Gurugram

Industry

Financial Services

Skill

Regulatory Compliance, Compliance Management, FinTech, Payment aggregation compliance, Online Payment Solutions, Online PA, RBI compliance, Prepaid Cards, Enterprise Risk Management, RMC, Analytical Skills, Regulatory Affairs, Auditing, Business Strategy, Service Standards, Regulatory Submissions, Quality Assurance, Corrective Actions, Microsoft Office, Customer Service

Experience

Director

Pine Labs

2025-2 - Present · 1 yr 8 mos

•Responsible for regulatory compliance related to the Payment Aggregation business PA-P, PA-O and PA-CB, ensuring adherence to RBI, NPCI, and network guidelines. •Driving AI and automation integration within the compliance function to enhance monitoring, reduce manual effort, and build a scalable, future-ready compliance framework. •Also support compliance initiatives across PPI, enterprise risk management, and regulatory submissions. •Focused on enabling compliant and scalable digital payment solutions.

Deputy General Manager - Regulatory Compliance

Paytm

2022-9 - 2025-2 · 2 yrs 6 mos

• Managed regulatory compliance for core regulated businesses, focusing on Payment Aggregation, in alignment with RBI guidelines. • Oversaw end-to-end compliance across business verticals, including regulatory submissions, inspections, and complaints handling. • Acted as the Nodal Officer for RBI escalations and contributed to compliance oversight for group entities.

Senior Compliance Manager

Airtel Payments Bank

2021-9 - 2022-9 · 1 yr 1 mo

Gurugram, Haryana, India

Regulatory Compliance

Regulatory Compliance Analyst

American Express

2019-10 - 2021-9 · 2 yrs

Gurgaon, Haryana, India

• Served as the Line of Business Compliance Officer (LOBCO) for the India market, ensuring regulatory compliance for American Express. • Reviewed customer communications and affiliate agreements to align with internal policies and regulatory expectations. • Managed regulatory communications, coordinated inspections, and facilitated timely responses to regulatory authorities.