Sujith Dabbiru

+ Develop and implement the Group Govemance Framework, ensuring alignment with UAE laws,
international best practices, and the Groups strategic objectives.
+ Oversee corporate policies, charters, and board-level reporting Structures across subsidiaries.
«Lead enterprise-wide risk assessments across business units, geographies, and functional domains.
+ Development of DoA, Policies and procedures, Annual Risk plan and Business risk assessment, Fraud
Investigations for the E20 Group keeping sustainability as the highest priority.
+ Adhered to the Regulatory framework for different regions and develop compliance plan.
+ Torun multiple GRC based projects parallelly to achieve the Organizational objectives.
+ Bea key part of Investigations and Intemal controls-based surprise audits and Whistleblower tps.
+ Stay informed about laws, regulations, and corporate govemance updates relevant to company
secretarial duties.
+ Analyze ESG data and provide insights for sustainabilty-driven decisions. Report on progress,
benchmark indices and identify gaps.

«Implement, monitor and update the Business requirements, tech regulatory requirements, Risk and
Compliance management frameworks approved by the board and develop and update the related policies
and procedures to be aligned with applicable laws and regulations.
+ Design and development of the Product and Risk strategy in alignment with overall strategy ensuring proper
control mechanisms in place.
«+ Capture the business requirements and functional specifications of the business and prepare a
comprehensive and accurate requirement specification document.
+ Thoroughly review and analyze all contracts, agreements, and legal documents from the CXOs office to
identify potential risks and non-compliance issues.
+ Ensure IT systems and processes adhere to all relevant laws, regulations (e.g., GDPR, PCI DSS), and
industry standards. Stay updated on emerging regulatory landscapes.
«+ Actas a liaison between stakeholders to ensure clear communication and understanding of analysis/
project scope and requirements.
Conduct and maintain benchmarking and market positioning analysis and reports.
Identity the risks arise by the periodic changes in laws, regulations and standards from CBUAE, FSRA,
SEC FATF and other authorities which impacts the strategy and objectives.
+ Contributes to the development and implementation of Fraud Risk processes, tools, policies, standards,
and procedures in alignment with the Enterprise Risk Framework Program.
+ Continuously monitor and evaluate the performance of existing content offerings and make
recommendations for improvement.
+ Responsible for requirement management throughout the lifecycle of the project delivery on both waterfall
and agile iniiatives
Risk assesses the effectiveness of anti-fraud programs and controls in place
Assists management in the development and implementation of Risk and Antfraud control activities
both preventive and detective controls.
+ Work together to prototype, pilot, and implement creative Solutions with both internal teams and external
partners, such as technology vendors, academic institutions, and trade associations.
«+ Collaborated with legal and compliance teams to ensure the companys adherence to federal and state
regulations.

+ Responsible for the elicitation and development of business and detailed functional and non-functional
requirements, development of processes both As-Is & To-Be as per industry best practice of detailed
functional design for solution.
+ Research, analyse, implement and monitor specific business requirements and policies related to
program integrity and fraud, waste, and abuse in accordance with HIPAA regulations, GDPR and local
data protection laws.
+ Ensure compliance with data and technology risk regulations, and global standards such as ISO 27001,
1SO 20000, PCI DSS, GDPR etc
+ Conduct comprehensive analysis of the overall customerivendor funnel to identify areas for
improvement and optimization.
+ Identify opportunities for process improvement within healthcare operations. Work closely with cross-
functional teams to implement streamlined and efficient workflows.
+ Applies knowledge of fraud schemes, general areas of vulnerabilty, reimbursement methodologies,
and relevant industry standard best practices to find suspicious patterns.
+ Applies independent judgment to create investigative work plans and develop case strategies based
upon analysis.
«Access to a large pool of business data and would be required to distil insights; effectively translate
data into actionable insights and communicate them to key stakeholders and senior leadership
+ Collaborate with IT teams, healthcare providers, and other stakeholders to bridge the gap between
business needs and technical solutions. Serve as a liaison between business units and technology
teams

+ Work closely with clients to understand their business needs and translate these into detailed technical
requirements. Act as a bridge between the technical team and clients, ensuring clear communication and
understanding of expectations.
+ Interacts with project stakeholders from business, technology, operations, enabling units, 3rd party
representatives, and senior management.
+ Monitor project progress against the scope of work, adjust project plans as necessary, and communicate
updates to al stakeholders. Ensure projects are delivered on time, within scope, and on budget.
+ Conduct periodic FCRA and report the observations to recommend policy gaps, automation, new rules
and tweak the existing rules based on the trends observed.
+ To suggest and recommend the business units and Sr. Management to enhance the rules & process
changes for effective Risk mitigation and avoidance
+ Toguide the stake holders in all investigations with clear concise communication
+ Conducted thorough risk assessments and analysis to identfy potential threats, vulnerabilities, and
opportunities, ensuring proactive risk mitigation Make sound subjective decisions to identify any accounts.
demonstrating high-risk behavior to maintain the securty standards across the SLA and PLA to maintain
BAU.
+ Review and research the existing technologies for organization implementation to strengthen the existing
Risk practices.
Building fraud awareness programs across the bank regards to values and ethics of the organization
Adherence to the laws and regulations and standards issued by FATF, CBUAE and other intemational
authorities

«Liaise with business ownersimanagers and translate Business Requirements to IT initiatives in collaboration
with Business Teams
+ Constantly exchange ideas with business owners within an organization and identity areas that require
improvement Improve process automation as well as value delivered to users to adjust where necessary.
+ Handled the Enterprise risk / Operational risk for 3 GCC countries and act as first & second line of defence
along with the technology team for necessary amendments.
Part multiple projects which influence the revenue lfe cycle and effectively accomplish the tasks in time.
Assist the senior management for GRC activities and implementation of anti-fraud controls in the firm and
compliance activities in within the stakeholders.
+ Produce regular, detailed reports that dearly explain the performance of current risk management
strategies, and if appropriate, how these can be improved.
+ Manage go live process including set up, delivering isk management tools and handle the payment
gateway.
+ Maintain a detailed knowledge of industry best practice and emerging trends and technologies within
payment risk management
+ Deep dive into user behavior to understand engagement, user acquisition funnel and prioritize feature
design based on analytics.
+ Monitor Live Operations to improve revenue and engagement.

+ Dealt with key processes like Enterprise Fraud management, Business Analysis, Audit
+ Part of the investigation team responsible for conducting investigations of fraud events and fraud prevention
reviews.
+ Strong knowledge on US patriot act and BSA (Bank Secrecy Act)
+ Management
of fraud analysts including review of fraud assessments and quality reviews on the execution
of operational processes and regular feedback
to enhance the effectiveness in existing process.
« Investigate and assess the risk from the alerts identiled by the banks Case Management Tool and
maintain proper records and audit rails of investigation activity.
+ Monitor and Investigate alerts for potential fraud risk in the transaction surveillance unit.
+ Preparation of Master File through the Updates Published on the Websites like OFAC & FICEN which
helps in screening customers in their respective Portfolios
+ Mentor the Bridge agents (New hires) to come up the learning curve faster.
+ Work on the High-risk alerts and do the screening for the customer on various sanctions and watch list

Dealtwith different Risk processes namely Credit Risk, Compliance.
Handled delinquent, charged-off or high-risk customers in order to secure payment and determine reason
for delinquency on active morigage loans or credit card accounts.
Underwrite and mitigate the risk by investigating various documentations.
Abide by strict Audit and Compliance rules and regulations and promote the same among the
individuals working in the GSCV which are setup by FSA (Financial Services Authority) for best banking
ce.
Knowledge of AML/ CTF and Sanctions acquired working in a similar role, Client on-boarding space within
the Banking
Responsible for Process management and achievement of PLAs, SLAs/deliverables. Capacity
Planning.
Register Fraudulent Transaction complaints from Customers about their Credit and Debit cards.
Raise Unusual Activity Reports (UARs) as per the banking regulations.
Strong knowledge on US patriot
act and BSA (Bank Secrecy Act)