Radhika Vishwas Bhat

• Led regulatory and compliance advisory engagements for banking, DNFBP, and corporate services clients
across the UAE and the wider Middle East, overseeing delivery from planning through to completion.
• Advised clients on converting CBUAE, AML/CFT, sanctions, ESG, and data protection obligations into
structured, reusable governance and compliance frameworks that build resilience and regulatory readiness.
• Advised UAE banks on a rapid solution to automate BRF, supporting alignment with the CBUAE Consumer
Protection Regulation framework.
• Designed governance and compliance solutions following gap analysis and control mapping aligned with ISO
standards; supported the entity through to successful ISO certification.
• Managed branch-level governance and compliance workstreams reporting into the foreign parent entitys
framework, including statutory documentation, parent-branch coordination, and group-aligned policy
implementation.

• Established an AML compliance desk delivering inspection-ready compliance programmes with MLRO
support, covering KYC/CDD onboarding, Enterprise-Wide Risk Assessment (EWRA), and AML policy
architecture.
• Designed full advisory frameworks including governance structure, MLRO function, and category-specific
compliance frameworks for each DNFBP segment served (TCSPs, real estate brokers, DPMS, accounting
and legal practitioners).
• Led AML/CFT compliance advisory for corporate clients, including KYC/CDD frameworks, AML policy
drafting, regulatory submissions, and inspection readiness.
• Provided legal advisory on corporate structuring, commercial contracts, and UAE regulatory matters; drafted
and reviewed commercial agreements under UAE law.

• Company Secretary across parent and subsidiary entities; led end-to-end Board and Committee secretariat
including agendas, board packs, minutes, resolutions, statutory registers, and event-based regulatory filings.
• Acted as principal liaison for the Board (including government officials and UK/European nominee directors),
statutory auditors, and global retail buyers (Walmart, Loblaws, EU retail groups); handled confidential
resolutions and shareholder communications.
• Coordinated investor and buyer due-diligence, cap-table reconciliation, statutory register extracts, compliance
certificates, and disclosure schedules supporting strategic transactions and global retailer onboarding.
• Managed capital and securities — share allotments, transfers, capital restructuring, convertible instruments
(CCDs/CCPS), and ROC filings (PAS-3, MGT-14, SH-7, MGT-7, AOC-4).
• Documented intra-group and related-party transactions with common directors on buyer and seller boards —
recused-director resolutions, arms-length agreements, and transfer-pricing-aligned board records.
• Drafted Code of Conduct, ethics, HR, HACCP, ISO, and sustainability policies; led ESG-aligned governance
documentation across North America, Europe, and UK retailer audit cycles.
• Conducted internal audits and audit-readiness reviews ahead of customer and third-party vendor audits,
aligning processes to customer and certification requirements; achieved successful outcomes across HACCP,
sustainability, supply-chain, and social-compliance audits.
• Acted as the legal point of contact for customer complaints across institutional and retail customers, reviewing
and responding to complaints and supporting fair, compliant resolution.

• Led the corporate secretarial function for 30+ portfolio companies; supervised a two-person team across
incorporation, Board governance, statutory filings, and compliance calendars.
• Advised VC/PE-backed companies on private capital markets transactions, preferential allotments,
convertible instruments (CCDs/CCPS), ESOP structuring, and investor rights documentation.
• Conducted due diligence on two transactions, covering both the PE/investor side and the company (target)
side.

• Supported the corporate secretarial function for parent and subsidiary entities — Board minutes, statutory
registers, regulatory filings, and group-level governance advisory.