Ratna Singh is a seasoned AML and Financial Crime Compliance leader with over 21 years of experience across global banking and financial services. She specializes in building robust regulatory frameworks, strengthening operational resilience, and driving technology-led compliance transformation. Her expertise spans AML, KYC, CDD/EDD, sanctions and embargoes, transaction monitoring, correspondent banking compliance, audit and regulatory remediation, and enterprise financial crime risk strategy.

Ratna has led and supported complex compliance programs for leading Indian and international banks, including Société Générale, Citibank, ICICI Bank, Axis Bank, IndusInd Bank, and Yes Bank, operating across domestic and cross-border regulatory environments. She brings deep domain expertise in correspondent banking compliance, having overseen AML and KYC for Nostro, Vostro, RMA, and credit relationships, managed multi-jurisdictional stakeholders, and acted as SPOC for overseas branches including Singapore and Hong Kong.

She has played a key role in compliance automation and transformation initiatives, leading correspondent banking automation projects and partnering closely with IT teams and external vendors to streamline processes and strengthen control effectiveness. In addition to her operational leadership, Ratna has served as Consultant – Training and Development at AML Custodian, where she designed and delivered structured AML and KYC training programs, standardized compliance practices, and built scalable learning frameworks to drive enterprise-wide capability enhancement.

Ratna’s career uniquely blends hands-on compliance execution, policy and governance design, audit readiness, process optimization, and people development. A recognized thought leader, she is passionate about positioning compliance as a business enabler through technology-powered, risk-aligned, and sustainable operating models.