Sarthak Kaushal
Senior Legal Analyst @Ameriprise Financial Services, LLC
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WORK HISTORY
Senior Legal Analyst @Ameriprise Financial Services, LLC
Gurugram, IN
Marketing reviews – Review of marketing materials for retirement products to ensure they are in accord with IRS and FINRA rules.Legal-tech tools and AI integration – Copilot, GPT-5, Bloomberg Tax AI, Co-Counsel, Westlaw. Process Change Control (PCC) Review – A regulatory and risk analysis of any change in existing process to mitigate any possible harm. Regulatory monitoring – Keeping abreast of any changes in law governing retirement products. Participating in SIFMA and ACLI monthly meetings. Eg – weekly check on state tax withholding updates by KPMG, IRS newswire, IRS guidewire etc. Query resolution – Resolving any and all legal queries of different teams including but not limited to products, corporate tax, customer service, operations etc. Annual Cost of Living Adjustments (COLA) updates – Rolled out by IRS annually in October-November, COLA update makes substantial changes in contributions and deductions for different products. I capture the changes and share it with different teams for further updates.Partner with Compliance, Risk, and Business, strengthening enterprise-wide compliance transparency.
EDUCATION
Indore Institute Of Law
B.B.A. LL.B., Law
ABOUT SARTHAK KAUSHAL
In-house legal professional part of the Advice & Wealth Management (AWM) Legal team at Ameriprise Financial, with a strong focus on retirement products, regulatory compliance, risk mitigation, and client experience enhancement.My practice sits at the intersection of law, regulation, and business operations. I work closely with Compliance, Risk, Product, Tax, Operations, and Customer Service teams to deliver legally sound, practical solutions that enable business objectives while reducing enterprise risk.I specialize in U.S. financial services regulations impacting retirement and investment products, including IRS, FINRA, SEC, DOL, and state-level requirements. My role involves proactive regulatory monitoring, legal analysis, and issue‑spotting across the full product lifecycle—ensuring regulatory changes translate into clear, actionable guidance for stakeholders.Areas of focus:1. Marketing & Disclosure Reviews: Reviewing retirement product marketing materials and disclosures for compliance with IRS, FINRA, and SEC rules.2. Annual Regulatory & Disclosure Updates: Lead annual updates and legal reviews of retirement product prospectuses, custodial agreements, and tax notices, ensuring alignment with current IRS guidance and applicable regulatory requirements.3. Regulatory Monitoring & Industry Engagement: Tracking changes across IRAs, Roth IRAs, SIMPLE/SEP IRAs, 403(b), 529/ABLE, and related plans; participating in SIFMA and ACLI forums.4. Process Change Control (PCC) Reviews: Conducting regulatory and risk assessments for changes to existing processes to mitigate downstream risk.5. Cross‑functional Legal Advisory: Resolving legal queries across product, corporate tax, compliance, operations, and service teams.6. Risk Events & Issue Triage: Supporting risk events, complaints, corrections processing, and regulatory inquiries.7. Legal Research & Thought Support: Researching SEC Marketing Rules, ESG, cybersecurity, sustainable finance, and data governance, and contributing to internal guidance and white papers.Legal‑Tech & AI Enablement:Actively leveraging Microsoft Copilot, GPT, Bloomberg Tax AI, CoCounsel, and Westlaw to enhance legal analysis, efficiency, and decision‑making.Interested in regulatory strategy, legal process optimization, and effective AI adoption within legal and compliance functions.
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