Vijay Sivaraman

Managed Sanctions Risk for 17 Consumer Bank markets across Asia/Europe as a Business Sanctions Risk Officer, responsible for identification, managing, preventing, and reporting sanction risk for US, UK, EU, and local sanctions. Independently managed Sanctions Oversight for Divestitures and Wind-downs across 13 Citi businesses from 2021-24. Completed divestitures (6 markets in 2023 and 4 markets in 2024). Managed wind-downs in Russia, S.

Korea. Successfully managed sanctions risk for Asia/EMEA in Russia/Ukraine crisis (2022-24), China sanctions (2021-22). Pandemic Crisis Management Lead for Singapore Consumer (2020-21) to ensure safety of 450 Regional Office staff.

Led Process Transformation for Asia/EMEA Consumer Bank, with USD 71 Million (MM), USD 59 MM saves in 2018-19. Reviewed fixed vs support costs for ASEAN countries resulted in saves of USD 3 MM in 2020. Conceived Premises relocation for 250 staff with USD 2MM saves in 2021. Implemented AGILE for Consumer Bank.

Demonstrated end to end process mapping and process redesign for India Small/Medium Enterprise business in 2018. Centralized the Consumer Business Support Unit (AML/KYC) for Aus and Phils at Citi KL Hub with USD 2 MM saves. Led the complex Russia Sanctions Compliance project over 2019 and Russia Sanctions initiatives (2021-2024).

Expanded retail distribution in Citibank Thailand with 2 new bank branches. Transformed the retail bank culture (team size 160), launched an enhanced product set, changed product mix to investment products from CASA/deposits and grew the Retail Bank wealth management affluent customers (+15%), products (+2x), revenues (+20%), AUM’s (+35%). Setup from zero base the Consumer Business Operational Risk and Control Unit to identify, mitigate, prevent, manage, and report operational risk resulting in a strong ethical culture and Tone from the Top with 16 consecutive quarters of 100% satisfactory internal/external audit reviews and <USD 100,000 (0.04%) annualized ops. losses.

Built a fully diverse local team. Part of the Thailand Disciplinary Committee, Thailand Business Risk Control Committee (BRCC). Created an AML KYC Know Your Customer Consumer Business Support Unit in Thailand from zero-base.

Created the Digital Retrievals and Monitoring program for Citi Thailand using data/analytics and rolled out. Spearheaded Business Transformation initiatives for Consumer Thailand with realized 5-year productivity saves of USD 60 Million and operating efficiency (cost/income) ratio from 70% to 57%.

Expanded distribution across Branches, ATMs, and Partnerships: Led the Citi Singapore Mass Rapid Transit partnership and Retail Expansion touted as the Fastest expansion in Citi Singapore’s history (+16 branches, 1.8 times) between 2007 and 2009. Citibank received the Euromoney Best Bank in Singapore award in 2008. Significant increase of UBA.

Drove perceptual scale in Singapore by pioneering Citibank branches in transit locations in partnership with SMRT and globally adopted by Citi. This initiative resulted in 90% new to bank acquisitions, 500,000 new accounts and footings of USD 1.4 Billion in CASA/Time Deposits. Expanded from 9 to 25 branches and from 60 to 200 ATMs (3.3x) over 3 years.

Increased customer touchpoints from 300 to 1000+ (+233%). Partnered with What-If, 8-Inc for Ubiquity branch design. Managed the Exxon Mobil and Cold Storage partnerships, Sing Post and ATM5-AXS relationships for Citi Singapore.

Conceptualized financial planning sales tools for affluent, emerging affluent segment (Citigold Wealth Planner, Citi Pro). Implemented sales tools (8 markets, 12 months, 400 Relationship Managers, 250,000+ annual wealth planning sessions).

Managed Wealth business infrastructure for Mutual Funds, Bonds, Structured Products, e-brokerage, Citigold Online. Spearheaded the Retail Bank Ops and Tech Council to prioritize technology changes for Citi Retail bank in Asia/EMEA.

Conceptualized, designed, implemented, and managed the shareholder record keeping system for mutual funds, bonds, securities for 20 countries (Asia/EMEA/LATAM) within a 5-year period. (AUM US$ 50 Billion, Revenues US$ 1 billion). Managed a team size of 50 with an offshoring provider for 24x7 global systems development, programming support.

Managed cash management check clearing for Transaction Banking Group. Automated check processing inquiry. Managed software project management and implementation of wealth management/investment/custody platforms.

Developed software for Healthcare Systems and Computer Aided Engineering Graphics (Project Management Software). Adept in C, C++, COBOL, Tandem/TAL, HP-UX, Shell Scripts, Windows SDK, dBase, Pascal, Fortran, UNIX.

Senior International Advisor at 1Crowd (an early stage Indian venture capital firm specializing in funding deep tech/service startups-ups/ventures) What I do : Connecting potential international investors to early stage India investing opportunities in the deep tech startups venture ecosystem. Provide guidance and act as a sounding board for specific founders / ventures. 1Crowd is a venture capital fund and a driving force that invests in transformative innovation & enterprises, creating lasting impact and value. We partner with exceptional founders, bolster entrepreneurship, and shepherd capital to build thriving organisations. We work closely with founders from inception to growth and exits, with a long term view to unlock value.

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