Kamyani Aniruddh Nagar

Kamayani Aniruddh Nagar Head-Retail Sales

Ms. Kamayani Aniruddh Nagar has over 20 years of experience in the BFSI and communication industry. She has worked in organisations like Bandhan Bank, Bajaj Capital Ltd, Citibank-India and ICICI Bank where she has handled multiple roles from Branch Banking, Outbound Sales & Distribution Channel, Priority, Wealth and Family offices.

She has completed her Post Graduate Diploma in Journalism and Mass Communication, Delhi and PGDM for working executives, IIM Indore.

Roles & Responsibilities with respect to Risk Management Roles & Responsibilities with respect to Risk Management

SN	Particulars
1	Define and delegate roles to the personnel within the operations function for identifying and reporting risks
2	Provide inputs to CRO to define risk threshold and risk appetite
3	Provide relevant information to CRO regarding the risks materialised
4	For the relevant functional risks, identify, analyze and report the following to the CRO and CEO along with recommended action plan for:
	o Early warning signals
	o Emerging risks
	o Major findings
	o Near miss and loss events
	o Fraud incidents Ensure escalation of such incidents to CRO and CEO
5	Review the risk level for the functional risk and control framework
6	Ensure adherence with the DoP framework
7	Formulate, review, periodically provide inputs and report outcomes of the RCSA for key risks and controls
8	Identify and implement corrective actions / recommend action plans for deviations in the controls and present to CRO/ CEO
9	Perform and report outcomes of periodic testing of the RCSA to CRO
10	Ensure adherence to the SEBI risk management framework
11	Ensure adherence to the guidelines pertinent to SEBI in respect of RMF and relevant principles thereunder including risk identification, risk management, risk reporting (both periodic and escalation of material incident) and corrective actions taken.
12	Exceptions reported by Sales & Marketing basis reviews done for distributors
13	Monitor the distribution channels and miss-selling incidents reported such as – o Number of mis-selling incidents o Negative comments in the inspection report relating to distribution o Analysis of the portfolio of investors e.g. nature of investments vis-à-vis risk appetite of investor
14	Responsible for the governance (incl. reputation and conduct risk associated for the respective function)
15	Maintaining risk level as per the risk metric
16	Define specific responsibilities regarding risk management of key personnel reporting to CBO
17	Undertake immediate corrective action for non-compliance or major finding post approval from CEO as per DoP and shall report to CRO regarding the risk reports.
18	Perform adequate due diligence of outsourced vendors prior to onboarding
19	Ensure periodic assessment of outsourced vendors considering following elements: o Review of vendors' systems and processes o Monitoring of error tolerance and issues noted in vendor’s code of conduct and monitoring breaches o Monitor fraud vulnerabilities in the outsourced processes