S ETH U RA MA N RA MA RA TNAM
OBJECTIVE
Business & Process Transformation | Risk Management |
Data Quality | Retail & Corporate Bankin g Operations
35+ years of career in the banking industry,
covering banking operations (Corporate &
Retail), audit, compliance, accounting, risk,
system implementations, project management,
client service and finance.
PROFILE SUMMARY
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CONTACT
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https://www.linkedin.com/in/sethur
aman-ramaratnam/
CORE COMPETENCIES
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Retail & Corporate Banking Operations
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Strategic Initiatives & Business
Transformation
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Client Lifecycle Management
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Credit Risk Control & NPA
Management
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Financial Accounting & Statutory
Compliance
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Annual Budgeting, Forecasting &
Variance Analysis
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Performance & Management Reporting
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Stakeholder & Client Relationship
Management
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Client Data Quality & Service
Excellence
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Process Improvement & Contingency
Management
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Project Management & Transition
Execution
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Robotic Process Automation (RPA)
Implementation
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Training, Coaching & Team
Development
IT SKILLS
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MS Word, Excel & PowerPoint
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SQL
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Strategic Business Transformation Leader: Spearheaded multi-milliondollar, enterprise-wide transformation initiatives across global geographies,
driving cost optimization, cross-functional synergies, and system
modernization through design-thinking and agile methodologies, resulting in
significant operational and financial uplift.
Finance & Performance Management Visionary: Championed end-to-end
financial performance frameworks for global businesses; delivered
standardization, insightful analytics, and executive-ready dashboards that
shaped CFO-level decisions and drove multimillion-dollar efficiency gains.
Risk, Controls & Compliance Authority: Orchestrated robust governance
models encompassing KRIs, CSTs, and control frameworks, ensuring full
regulatory adherence across 30+ jurisdictions while fortifying operational
resilience and remediating high-impact audit findings.
Enterprise Program & Change Management Expert: Delivered complex,
bank-wide programs such as Razor, Eclipse, and eCDD+ through rigorous
planning, stakeholder alignment, capacity modeling, and UAT governance,
ensuring time-bound, risk-mitigated execution.
Technology & Process Optimization Champion: Engineered large-scale
system integration and automation using SAP PAPM, Robotic Process
Automation, and workflow tools; streamlined legacy processes, accelerated
reconciliation, and enhanced data traceability for enterprise agility.
Client & Service Delivery Steward: Led global client lifecycle initiatives and
front-office enablement functions, elevating service quality, client
onboarding, and non-core sales support across MENAP, Africa, and APAC
through proactive service design and stakeholder engagement.
People Leadership & Capability Builder: Directed diverse, multicultural
teams across continents with a sharp focus on upskilling, performance
management, and leadership development, instilling a culture of excellence,
accountability, and continuous improvement.
Audit, Data Quality & Regulatory Compliance Strategist: Led enterprise
data quality transformation and change governance; implemented
centralized audit confirmation hubs, conducted root-cause diagnostics, and
ensured enterprise readiness for global regulatory regimes including FATCA,
DF/EMIR, and CDMI.
WORK EXPERIENCE
Standard Chartered Bank | 2005 – Till Date
VP (Senior Functional Design Lead – Cost Optimization) | Since May 2021
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Led solution design for a USD 10Bn service charge cost allocation process
across CCIB/CPBB & Functions.
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Collaborated with CROs, GPOs, and tech partners to co-create a simplified
allocation framework.
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Defined business needs, authored and secured sign-off on BRDs and FDDs.
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Engineered end-to-end allocation modules, data flows, and calculations in
SAP PAPM.
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Validated technical design through playbacks and iterative feedback loops.
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Drafted & executed user test cases, conducted Level-1 testing, and
coordinated defect resolution.
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Orchestrated SIT, UAT, and PT phases to ensure robust system performance.
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Developed reconciliation, impact assessment, and MI dashboards for CFOlevel transparency.
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Conducted before-after impact analysis; presented findings to senior
stakeholders globally.
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Operationalized parallel runs (Jan–Oct 2024), ensuring zero-disruption golive readiness.
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Finalized and secured approval for the Target Operating Model (TOM) for
BAU transition.
EDUCATION
1991
PG Diploma in Marketing Management
from Annamalai University,
Chidambaram
1989
B.Com. from Madras University, Chennai
SOFT SKILLS
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Strategic Thinking & Decision
Making
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Analytical & Critical Problem
Solving
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Effective Communication &
Executive Presence
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Cross-Cultural Collaboration &
Influencing
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Adaptability & Change Agility
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Leadership & People Development
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Time Management & Prioritization
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Conflict Resolution & Negotiation
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Accountability & Ownership
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Emotional Intelligence & Empathy
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Resilience Under Pressure
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Customer-Centric Mindset
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Continuous Learning & Growth
Orientation
Achievements
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Delivered the most intricate cost allocation project across Functions,
Segments & Products.
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Streamlined allocation methodology, enhancing accuracy and scalability.
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Enabled cost transparency and traceability through insightful MI reporting.
Head – Performance Management – CCIB Regions, Standard Chartered GBS,
Chennai | Aug 2018 – May 2021
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Managed end-to-end performance reporting for CCIB across four regions in a
24x7 “follow-the-sun” model.
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Partnered with Global CFOs and senior leaders to deliver impactful MI and
financial analytics.
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Championed process enhancements, driving efficiency and resolving critical
business pain points.
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Served as Finance Business Partner to enhance financial visibility and
decision-making.
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Led budgeting, forecasting, management reporting, and variance analysis cycles.
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Designed custom MI solutions by interpreting P&L/Balance Sheet metrics in
collaboration with onshore teams.
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Managed stakeholder engagement, issue resolution, and service governance.
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Mentored team members, providing guidance, performance feedback, and
career development plans.
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Audited current processes to identify and implement quality and design
improvements. Recommended system enhancements by analyzing data flow
across financial platforms.
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Instilled a continuous improvement culture, delivering annual
productivity/cost targets.
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Conducted Service Review Meetings to uphold process integrity & compliance.
Key Achievements
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Standardized Regional Reports, eliminating 130+ redundant MI reports (2019).
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Migrated TB Business Finance from onshore (GCNA) to GFS; transitioned
SG/IN to FTOM model.
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Achieved ASA regional efficiency savings equivalent to 5 FTEs.
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Upskilled teams via targeted PMI system training -).
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Collaborated with onshore to automate PMI reports via MS Access.
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Resolved thematic PMI data quality and planning system issues.
Head – Data Quality / Change & Service Management, Standard Chartered GBS,
Chennai | Sep 2015 – Jul 2018
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Appointed to lead the Data Quality team (Jan’16); expanded mandate to
include Change & Service Management (Jun’16).
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Spearheaded global support for data quality, change, and service
management in a follow-the-sun model.
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Established global governance and review frameworks for data quality.
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Automated Data Quality reporting via Robotic Process Automation (RPA).
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Strengthened regulatory and critical data checks.
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Directed team performance, capacity planning, and resource optimization.
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Drove root-cause fixes through process and system improvements.
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Assessed and addressed training and skill development needs.
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Reviewed audit findings, near misses, and control lapses.
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Oversaw UAT/UVT for Group CLM projects.
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Signed off on BRDs/FSDs for CLM initiatives.
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Coordinated with Tech teams to prioritize and resolve system issues.
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Standardized issuance of audit/balance confirmations across 30+ markets,
targeting 50+ via a centralized project.
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Delivered major Group CLM projects: Razor, OPICS AFRICA, BTS (Africa,
Korea, Internal), DF/EMIR/Canadian Reporting, FATCA/CIS, GBRC, CDMI,
Entity DQ Phase 1/2.
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Nominated SME for bank-wide COLT (Client Onboarding Lifecycle Tool)
initiative (2017, Chennai Hub).
Key Accomplishments:
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Led successful Razor data migration/validation (Singapore & HK – Nov’16).
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Delivered OPICS AFRICA migration across 13 countries (Aug’16).
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Executed BTS standardization and data migration (Africa/Korea – Nov’16).
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Set up post-COPI2 eCDD+ support desk using internal resources.
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Implemented RPA across all Data Quality reporting processes.
PREVIOUS WORK
EXPERIENCE
SCOPE International | Apr 2005 – Dec 2009
Growth Path:
Sr. Manager - Credit Risk Control – Gulf
Operations | Oct 2006 – Dec 2009
Sr. Manager – CRC, SCI Team | Apr 2005 – Sep
2006
Erstwhile ICICI & ICICI Bank Ltd. | Sep 1992 –
Mar 2005
Growth Path:
Sep’92 – May’96: Officer – Corporate Banking
Operations – ICICI Northern Region
Jun’ 96 – Sep’00: Senior Accounts Officer –
Corporate Banking Operations- ICICI Southern
Region
Oct’00 – Jun’02: Manager – Heading Karnataka
Region Corporate Banking Operations-ICICI
Jul’02 – Mar’05: Branch Operations Manager –
Retail / Corporate-ICICI Bank
Videocon International Ltd. | Feb 1991 – Aug
1992
Banaras Beads Ltd. | Aug 1989 – Jan 1991
Director – CLM – Global Delivery, SCB, Singapore | Apr 2014 – Sep 2015
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Appointed during One Bank Integration; leading a 3-member team, reporting
to Global Head, Group CLM, Singapore.
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Expert in cross-functional leadership, infrastructure and application rollouts,
and service excellence.
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Proven track record in complex global program delivery, operational
transformation, and risk-controlled service management.
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Directed global operational support through multi-site “follow-the-sun”
delivery model.
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Setup global governance framework, including SLAs, DOIs, and process
documentation.
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Standardized processes and controls across Chennai, KL, and Africa hubs.
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Championed system/process enhancements to improve efficiency and
mitigate risk.
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Implemented global standardization strategy across all locations.
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Defined and monitored KCIs, CSTs, and KRIs to manage operational risk.
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Addressed audit findings, incidents, and near misses through corrective
action planning.
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Reviewed capacity models and led strategic resource planning.
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Drove skill assessments and initiated targeted training programs.
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Delivered major global initiatives: Razor (Germany), Eclipse, eOps Workflow,
CCP, and Regulatory Projects (DF, EMIR, FATCA, Canadian Reporting), and
GBRC (SCI-MFS/ICMS).
Key Accomplishment:
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Delivered Razor Germany, Eclipse, and GBRC SCI projects on time and within
budget (Oct’14).
Business Manager – Group Customer Static Data Unit, SCB, Singapore | Jan
2013 – Mar 2014
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Led a 3-member team supporting the Global Head, Group CSDU, Singapore.
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Driven Centre of Excellence (COE) initiatives, credit process enhancements,
and Financial Markets change delivery for the Client Coverage COO office.
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Project RACE – USD 7.6Mn: Headed the end-to-end execution of a longstanding, complex credit reengineering initiative across multiple WB systems
and stakeholders. Delivered solution design, stakeholder coordination,
testing, training, and implementation in FY 2013.
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FIBCA & Temporary Excess/Earmarking (TER/EAR): Led simplification of
Financial Institution credit processes; managed requirement gathering,
documentation (BRD/FSD/UAT), and system integration. Conducted
comprehensive training across Chennai, KL, and Kenya hubs.
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Korea Onboarding: Aligned Korea credit processes with global WB model;
managed cross-border coordination and localization challenges. Delivered
documentation and training for local SCI teams.
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CSD Ph2B – Static Data Integration (SCIFM & FM TP Systems): Orchestrated
static data sync across SCI, SCIFM, and 16 FM TP systems. Resolved post-go-live
exceptions, including complex platforms like MUREX and BTS. Led stakeholder
engagement, reconciliation, documentation, and training.
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Other Initiatives: Managed medium-scale and BAU projects: FM Data
Dictionary, Solutioning Name Masking, Sophis Equity Issuer standardization.
Delivered detailed project updates to PGCs/PSCs and senior management.
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Honored with “Best Performer” award at 2013 COO Town Hall.
Head – Front Office Support – MENAP / AFRICA, Dubai, SCB | Dec 2009 – Jan
2013
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Led a 5-member team (including 3 Emiratis), reporting to Regional Heads –
FM Sales and MENAP & Africa.
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Provided end-to-end non-core sales support to front office dealing teams
across the region.
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Drove regional Global Change Agenda, aligning support with front office to
deliver seamless, high-quality service.
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Built robust processes and MIS frameworks; coached team on service
discipline, resulting in measurable stakeholder-recognized improvements.
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Collaborated with cross-country leadership to drive behavioral change and
reinforce support alignment.
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Promoted FROST function regionally and globally, enhancing credibility and
process visibility.
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Embedded risk and control rigor into daily operations.
