• Manager, Ingenia Consultants (2022 – present)
  • Regional Head of Compliance, Xfers Pte Ltd (2021 – 2022)
  • Head of Compliance, Nium Pte Ltd (2017 – 2020)
  • Director and Regional Head Operational Risk, Eastspring Investments (Singapore) Ltd (2009 – 2017)
  • Chief Financial Officer, Prudential Fund Management Company Ltd (2007 – 2008)
  • Head Strategic, Business Planning & Management Information, ICICI Prudential AMC Ltd (1998 – 2007)

  • Certified Anti-Money Laundering Specialist, ACAMS
  • Cybersecurity for Business and Risk Management, SMU

  • Bachelor of Commerce, University of Mumbai
  • Post Graduate Diploma in Business Management, Xavier’s Institute of Management

Vijay Bharadwaj

Vijay has over 20 years of experience in the financial services industry. Vijay spent a significant part of his career with a global fund management company working across finance, risk management and governance in different countries and, ultimately, as Regional Head of Operational Risk for APAC. He then moved into payment services, where he developed the compliance program and managed compliance as Head of Compliance and Regional Head of Compliance respectively for two payment services companies dealing with fiat and cryptocurrencies.

Vijay has extensive experience in operational risk, governance, and regulatory compliance. He led organisation-wide operational risk initiatives and established frameworks to identify, measure and mitigate operational risk. In addition, he worked alongside the leadership team to develop risk appetite and key risk indicators to identify and effectively manage risks. He also established compliance frameworks for payment companies and developed policies and procedures to ensure compliance with regulatory requirements. He drafted policies and procedures and created controls across regulatory topics such as anti-money laundering and countering the financing of terrorism, screening, transaction monitoring (fiat and on chain), outsourcing and business continuity. He worked with payment companies in submitting the license application to the authorities.

Vijay has experience in implementing digital solutions to compliance processes. He interacts frequently with RegTech providers to evaluate and enhance processes to achieve scale and simplify compliance tasks. He has experience with robotic process automation to automate simple compliance surveillance and processes to elevate compliance officers to higher-level tasks.