Sarah Joseph
Senior Regulatory Financial Analyst @Peoples Group
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WORK HISTORY
Senior Regulatory Financial Analyst @Peoples Group
Vancouver, BC, CA
Prepare and submit complex regulatory returns to the Office of the Superintendent of Financial Institutions (OSFI), and AMF including Net Cumulative Cash Flow (NCCF), Deposit Liabilities Return (K4), Liquidity Activity Monitor (LAM), Securities Report (B2), Pledging, Repos Report (U3), and Non-mortgage loans (A2)- Prepare and submit returns to Statistics Canada- Evaluate, streamline, and automate regulatory reporting processes to improve accuracy and efficiency- Prepare monthly internal reports to assess the bank’s commitments, liquidity and funding- Review and interpret regulatory guidelines from OSFI, Statistics Canada and AMF to ensure full compliance with current and emerging requirements- Create and maintain Standard Operating Procedures (SOPs), Business Requirements Documents (BRDs), and process documentation to support robust reporting practices.
EDUCATION
St. Francis College for Women
Bachelor of Commerce - BCom, Accounting and Finance
University Canada West
Master of Business Administration - MBA, Business Analytics, Finance
Christ University, Bangalore
Masters, Applied Economics
ABOUT SARAH JOSEPH
As a Senior Analyst in Decision Sciences at HSBC Ltd, I specialize in optimizing credit lending strategies and ensuring regulatory compliance. My role involves implementing and evaluating credit risk models, which have significantly improved risk management across major Asian economies. Collaborating with the Chief Risk Officer and global business heads, I have refined credit lending practices, leading to enhanced KPI performance and alignment with corporate objectives.Previously, I served as a Trade Finance Analyst at Kotak Mahindra Bank, where I assessed creditworthiness for import-export transactions, reducing credit risk and influencing credit approval decisions. My academic background includes a Master of Business Administration from University Canada West and a Master\'s in Applied Economics from Christ University, equipping me with a strong foundation in financial management, strategic management, and business analytics.
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