Adibh Gajbhiye

MANAGER, Risk consulting business 08/2025 - Current
Ernst & Young LLP, Hyderabad
•
Performed Business Transaction Testing (BTT) for Capital Adequacy and COREP regulatory reporting, ensuring accuracy and completeness of regulatory submissions.
•
Validated CET1, AT1, Tier 2 capital, leverage ratio, and Risk-Weighted Assets (RWA) calculations.
•
Conducted source-to-report reconciliations across GL, risk systems, data warehouses, and regulatory reports.
•
Reviewed Basel III / CRR regulatory interpretations and ensured alignment with internal reporting methodologies.
•
Assessed regulatory controls, data lineage, and governance frameworks, identifying gaps and remediation actions.

 Directing the thorough quarterly submission of FFIEC 101 to the Federal Reserve, guaranteeing compliance across various entities, including BHC, IB, and PWB, to uphold regulatory standards.
 Executing comprehensive analyses of counterparty data to clarify quarter-over-quarter variations in risk-weighted assets (RWA) related to exposure and collateral, ensuring accurate reporting.
 Delivering management review packages that summarize RWA reports for senior leadership, enabling informed decision-making and strategic planning.
 Administering the Repo Portfolio (Schedule I) along with its key drivers, guaranteeing precise reporting and adherence to regulatory requirements.
 Conducting data analysis and user acceptance testing (UAT) for reports, pinpointing discrepancies and working closely with the IT team to resolve issues documented in JIRA.
 Supporting seniors in CCAR/DFAST testing
 Steering ad hoc analyses of monthly RWA fluctuations within the Repo portfolio, delivering insights that inform strategic adjustments and operational decisions.
 Educating team members on RWA concepts and ensuring proficiency with critical reporting tools, thereby improving overall team effectiveness and competency.
 Collaborating with internal and external auditors by supplying required documentation and responding to inquiries concerning regulatory reporting, ensuring compliance and transparency.
 Conducting risk assessments and analyzed financial data to evaluate the institution’s compliance with Basel III requirements and identify areas for improvement.
 Identifying and implementing improvements in reporting processes and systems to enhance efficiency and accuracy in regulatory reporting

 Managed the monthly Counterparty Credit Risk Weighted Asset (RWA) calculations under Basel norms.
 Analyzed counterparty data to explain RWA changes related to Exposure, Rating, LGD, etc.
 Coordinated Group Treasury and Regional Reporting, and prepared management review packs for RWA
presentations to senior management.
 Oversaw daily Leverage Ratio Denominator (LRD) reporting under FINMA requirements, explaining daily
variances and aligning with pre-agreed numbers.
 Addressed ad-hoc queries related to RWA and LRD movements.
 Developed treasury metrics reports using MicroStrategy visual insights, and performed UAT testing for
reports, tracking progress via JIRA.
 Trained the team on RWA concepts and tools, and represented the team in management forums and working
groups.
 Participated in UBS (RAS) initiatives, including process improvement and IT development projects.
 Actively involved in P&L Management, Budgeting and Control, Reconciliation, Financial Control and Audit
Management

 Prepared and analyzed balance sheets and P&L statements, Managed and monitored key financial metrics,
Identified and resolved discrepancies, resulted in Improved accuracy and efficiency of financial reporting.
 Reconciled bank accounts, general ledger, and sub-ledger accounts, Identified and resolved reconciliation
discrepancies, with insured accuracy and completeness of financial records.
 Developed and managed budgets, monitored actual performance against budget, Implemented and
maintained financial controls and identified and mitigated financial risks.
 Implemented and maintained financial control procedures, conducted internal audits, identified areas for
improvement in financial processes, ensured compliance with regulatory requirements.
 Presented final reports to Business FDs.

 Oversaw regulatory reporting and disclosures related to Risk Weighted Assets (RWA) under Basel norms.
 Prepared RWA analysis reports, explaining month-to-month deltas and aligning with pre-agreed flash numbers for management review.
 Analyzed counterparty data for Asia Pacific (APAC) to clarify RWA changes based on Exposure, Rating, PD, Facility limit, and other factors.
 Presented final reports to Business FDs for Cash and derivative products.
 Managed auditor queries regarding ad-hoc credit risk adjustments to normalize RWA.
 Implemented strategic fixes in risk data to accurately measure Counterparty Credit Risk impact.
 Acted as regional coordinator for OTT adjustments to address RWA spikes across multiple counterparties.

 Managed the end-to-end process of Consolidation, Reconciliation, Enhancement, and Submission (CRES).
 Conducted data quality checks, adjusting and validating Credit risk data for submission.
 Reconciled discrepancies in CRES and BCS (reporting tool) and provided management with bi-weekly reports.
 Prepared daily dashboards and participated in production, KPI, and stakeholder calls on a daily, weekly, and monthly basis.
 Received the Global Star Award in 2013 for the successful execution of the STRIDE (Strategic Reporting & Information Delivery) project.

 Performed analytical reviews of P&L and balance sheets for group reporting and consolidation across supported entities.
 Managed intercompany reconciliations to identify discrepancies and made necessary late adjustments.

 Prepared and consolidated monthly financial MIS reports.
 Presented weekly MIS reports to the Executive Management Team (EMT).
 Forecasted and finalized weekly and quarterly cash flow in collaboration with the VP.
 Worked closely with the Senior Vice President to analyze company performance and prepare ad hoc reports.
 Monitored vendor payments through vendor financing.
 Negotiated with banks for Letters of Credit for vendors, from opening to closure.

 Prepared and consolidated monthly financial MIS reports.
 Presented weekly MIS reports to the Executive Management Team (EMT).
 Forecasted and finalized weekly and quarterly cash flow in collaboration with the VP.
 Worked closely with the Senior Vice President to analyze company performance and prepare ad hoc reports.
 Monitored vendor payments through vendor financing.
 Negotiated with banks for Letters of Credit for vendors, from opening to closure.