Nikita Rathi
Senior Manager @PwC
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WORK HISTORY
Senior Manager @PwC
San Diego, CA, US
Regulatory Compliance & Program Transformations : Driving strategic compliance transformations across fintech platforms and global banks, specializing in AML remediation and regulatory excellence.• Banking-as-a-Service (BaaS) & Embedded Finance Solutions: Enabling rapid growth in embedded finance through innovative AML and fraud detection solutions tailored for BaaS platforms.• Product Leadership & Strategic Roadmaps: Leading end-to-end product lifecycle management, from conceptualizing strategic AML solutions to successfully delivering high-impact compliance tools.• Trade Surveillance & Regulatory Reporting Excellence: Optimizing trade surveillance & reporting processes to meet rigorous regulatory standards while maximizing operational efficiency.• AI & Analytics for AML Optimization: Delivering cutting-edge analytics solutions, leveraging AI/ML to transform AML risk identification and monitoring strategies.• Strategic Pricing & Risk-based Decisioning for Brokerage: Crafting strategic pricing frameworks and compliance-driven analytics tools, driving substantial improvements in client retention and revenue growth.
EDUCATION
Indian Institute of Technology, Delhi
Bachelor of Technology (B.Tech.), Civil Engineering
Indian Institute of Technology, Delhi
Minor Area in Business Management, Business Administration and Management, General
SKILLS
ABOUT NIKITA RATHI
Senior Product and Risk Strategy Leader with 13+ years of experience building and scaling compliance and risk products for global fintech, banking, and technology companies. Proven success leading $25M+ initiatives across AI-driven AML systems, BaaS onboarding frameworks, and enterprise-grade trade surveillance platforms. Adept at managing full product lifecycles—from concept to deployment—for tools that ensure OCC/SEC/FINRA compliance, reduce operational risk, and drive user adoption. Delivered predictive analytics and decision-support platforms used by 500+ users across Tier-1 banks. Known for translating regulatory complexity into scalable, data-driven product strategies that improve time-to-audit, client retention, and onboarding speed.KEY ACHIEVEMENTS• Built and scaled AML product platforms for Tier-1 fintech clients, integrating 80+ rules and AI/ML models to reduce false positives by 30% and improve risk detection accuracy.• Launched AI-driven Customer Risk Rating (CRR) product, enabling proactive compliance risk mitigation and helping global banks avoid $50M–$100M in regulatory penalties.• Designed and deployed in-house product suite for transaction monitoring operations, expanding PMO from 100+ to 500+ users and securing a $100M+ client renewal through delivery excellence.• Led end-to-end product lifecycle for embedded finance (BaaS) AML compliance tools, onboarding 10+ strategic clients ahead of schedule and accelerating revenue growth by 20%.• Delivered automated trade surveillance solution covering 150+ regulatory reports, enabling audit-readiness and significantly reducing manual compliance overhead.
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