Kirubakaran Uthira Kumar

About Kirubakaran Uthira Kumar

Results-driven Senior Internal Audit and Risk Controls professional with 5 years of experience at EY India, supporting global banking institutions across UK, US, Canada, Ireland, and European jurisdictions. Deep expertise spanning Internal and Concurrent Audit, SOX and Non-SOX Control Testing, End-to-End KYC Lifecycle Governance (CDD, EDD, LDD), AML/FCC Compliance, and Enterprise-Wide Risk Assessment (EWRA) Frameworks.Delivered audit and compliance engagements for leading global banking institutions including a top-tier UK-headquartered global bank and a leading US global investment bank. Proven ability to lead teams of up to 10 analysts, manage high-risk periodic reviews, drive control walkthroughs with Director and Partner-level stakeholders, and deliver regulator-aligned, audit-ready outcomes within stringent compliance timelines. Track record of proactive ownership, executive presence, and exceptional client delivery recognized through multiple EY performance awards.

Experience

1. Senior

   EY

   Oct 2023 — Present · Bengaluru, IN

   Led end-to-end internal audit engagements from planning and risk assessment through execution, validation of audit observations, stakeholder discussions, and final audit reporting across retail and corporate banking units.• Prepared, updated, and validated Risk & Control Matrices (RCMs) aligned to evolving business and regulatory requirements. Performed Test of Design (TOD) and Test of Operating Effectiveness (TOE) across compliance, operational, and financial controls.• Managed onboarding, remediation, and high-risk periodic renewals for Global Investment Banking clients across UK, Ireland, Canada, US (NAM), and European jurisdictions.• Functioned in a Middle Office capacity for UK/Ireland, acting as a coordination bridge between Relationship Managers, compliance teams, and operational units to streamline case processing and reduce documentation escalations.• Performed structured control walkthroughs and testing over Material Risk Controls (MRCs) & Capital Markets, assessing design and operating effectiveness across compliance and operational environments.• Engaged with SOX control owners to understand business logic, process triggers, system dependencies, and documentation flows translating operational controls into structured governance documentation.• Contributed to development of an EWRA-aligned audit and risk assessment framework for retail banking exposure across NPCI platforms including UPI, IMPS, and digital transaction channels.• Analyzed inherent risk drivers across customer segments, delivery channels, and product lines within digital banking ecosystems. Developed and updated SOPs and process flowcharts to align operational processes. • Mapped RBI regulatory expectations to operational workflows in digital payment environments and evaluated control adequacy across transaction monitoring and onboarding processes.

Education

• Christ University, Bangalore

  Bachelor of Business Administration - BBA

  2017 — 2020