P. Ravindra

Card based Electronic Payment Systems Risk and Compliance Professional & Consultant

MUMBAI - INDIA Mobile: +91-9821553895 Email: pegatravi@hotmail.com

An Overview

Over 36 years of professional experience in Syndicate Bank and Atos Worldline India Pvt. Ltd (Venture Infotek Global Pvt. Ltd.) in the areas of Payment Systems, Risk Management, Compliances, Business Development, Product Development & Management, Portfolio Management, Marketing, Client Servicing, Bank Branch Operations and Credit Administration.

Card based Electronic Payment Systems Expert in Visa / MasterCard / Amex / Private Card Operating Regulations; Certification; Impact Analysis & Change Management; PCI-DSS; EMV

Covering:o Card Issuing Programmes of Credit Card, Debit Card, Pre-paid Cardo Merchant Acquiring (POS)o Online and Mobile Paymentso Card Personalisation Bureau – Magstripe and Chip Card

Familiar with policies and key initiatives of RBI, IBA, IDRBT, Cyber Cell Developed Enterprise Risk Management (ERM) frame work and implemented for the organizations

Academic Credentials

IIM, Ahmadabad - Management Development Programme – 2007 PG Diploma in Financial Management (PGDFM) – 1995 Post Graduate in Sciences – 1977 with OGPA 4.00 out of 4.00 Six Sigma Green Belt holder

Professional Experience

Worked for only two organizations in my professional career Retired on superannuation from Atos Worldline as General Manager - Compliance & Risk Management and

Country Safety and Security Officer (CSSO) and presently offering professional and consultancy services

NeoGrowth Credit Pvt. Ltd.; Mumbai

Consultant - Risk, Compliance & Internal Audit - March 2013 to November 2014 (Merchant Cash Advance against card sales)

Consultant – ePayments – November 2014 onwards

Institute for Development and Research in Banking Technology (IDRBT), Established by Reserve Bank of India - Adjunct Faculty (Professor) – July 2013 to June 2014

Worked in the areas of Electronic Payment Systems Risk Management, Compliance and other related areas

Atos Worldline India Pvt. Ltd – Venture Infotek Global Pvt. Ltd.; Mumbai

General Manager - Compliance & Risk Management and Country Safety and Security Officer (CSSO) – June 2005 to January 2013

Ensured compliance of all the mandates of Visa, MasterCard, NPCI and Reserve Bank of India Ensured PCI DSS Compliance Certification continuously for 7 years from 2006 Obtained Visa and MasterCard Certifications for both Chip Card and Magstripe Card personalization and

got them renewed annually Implemented National Debit Card Project to Central Bank of Libya in 2007-08 as an expert consultancy

team member

Conceptualised Enterprise Risk Management (ERM) frame work and implemented effectively, which increased organizational effectiveness

Published Indian Payment Card Industry Survey Reports for 4 years

Syndicate Bank - February 1977 to May 2005

Worked with Syndicate Bank, one of the premier Public Sector Banks of India, in different positions; right from Branches, Regional/Zonal Offices to Corporate Office

Established the Card Centre and successfully launched Visa Debit Card and Visa Credit Card products within significantly less lead times in the year 2003

Successfully launched MasterCard Co-branded Credit Card with Standard Chartered Bank in the year 2000

Significant Conferences/Trainings Participated

MasterCard Global Risk Management Conference, 2010, Singapore Visa Asia Pacific Security Summit 2009, Maintaining Trust in Payments, Kuala Lumpur, Malaysia Management Development Programme on Balanced Scorecard - XLRI, Jamshedpur - 2009 CII Seminar on Enterprise Risk Management , Bangalore – 2008 MDS Workshop on Leadership and Change Management at IIM, Ahmadabad - 2007 PCI DSS Compliance workshop, Dubai - 2007 Cyber Crimes, Forensics & Legal Issues – Jointly organized by Directorate of Forensics Sciences,

Ministry of Home Affairs, Govt. of India and IDRBT at Hyderabad – 2007 Smart Cards – IDRBT, Hyderabad - 2003

Programmes Conducted

IDRBT – Presented sessions on Card based Payment Systems at the Bank Executive Programmes organised by IIBF, NIBM & IDRBT

NIBM - Training Session on Payment Cards in India - Emerging Trends & Payment System Operational Issues

As guest faculty at SIBM, Syndicate Bank, taken regular training sessions on Cash Management System, Credit Cards and Debit cards

Training sessions on Enterprise Risk Management at BOB Cards Organised Seminars from Venture Infotek on Payment Cards, Prepaid Cards for the Bankers and other

Payment Card Industry participants

Member of Councils and Groups

Indian Payments Risk Council (IPRC) Payments Consulting Network PCI Network Group Credit Card Professionals Group Merchant Acquiring & Card Payment Industry Professionals in India Group ATM, Debit & Prepaid Forum Card Services Group

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