Dhruv S

WORK HISTORY

EDUCATION

ABOUT DHRUV S

Banking & Capital Markets Consultant with 5+ years of experience delivering transformation, Financial Crime and operational strategy programmes for Tier-1 UK, European and global banks across Retail Banking, Cards & Payments, Mortgages and Fraud. • Specialist in converting complex information into executive-ready insight—synthesising large volumes of MI, transaction data, complaints analysis, regulatory material and SME inputs into clear, board-level PowerPoint decks for ExCo, steering committees and senior leadership. • Deep Financial Crime experience, including APP fraud, compromised cards, Change-of-Details / KYC remediation, FC BAU capacity analysis, control-gap assessment and remediation prioritisation, working closely with Financial Crime, Fraud, Operations, Technology and Architecture teams. • Strong consulting and storytelling capability, structuring senior narratives using pyramid principle, issue trees, RAG / RAID views, funnels, waterfalls, phased roadmaps and operating-model views to support faster, higher-quality decision-making. • Extensive retail banking operations exposure, delivering L4–L5 process maps, customer journeys, capacity and volume views, and target operating models across complaints, onboarding, cards and mortgage journeys to drive efficiency, risk reduction and customer outcomes. • Proven contributor to RFQs, RFIs and RFPs, supporting solution design, value propositions and executive presentations across Retail and Corporate Banking pursuits, with strong collaboration across SMEs and sales partners. • Focused on practical GenAI and agentic-AI use cases in banking, applying emerging technologies to Financial Crime operations, remediation effectiveness, MI automation and decision-support rather than theoretical innovation. • Known for clarity of thought, strong stakeholder management and delivery focus, able to operate between data, operations and senior leadership to translate complexity into action.