Angela Krishan
Wolverhampton,United Kingdom
Summary
Experienced risk management professional with expertise in compliance and quality assurance. Proficient in facilitating governance frameworks and conducting internal audits. Committed to driving continuous improvement and ensuring regulatory compliance within financial institutions.
Overview
36
36
years of professional experience
8
8
years of post-secondary education
1
1
Certification
Work history
Risk Manager
Lloyds Banking Group
Birmingham, West Midlands
12.2017 - Current
- Facilitated delivery of Governance Framework across Consumer Relationships Chief Controls Office.
- Maintained Delegated Authority Framework and executed Annual Reviews as required.
- Collaborated with management for streamlined decision-making processes.
- Ensured regulatory compliance by conducting internal audits.
- Built positive relationships with key stakeholders to stay current on needs and understand policy impacts.
- Guided team members on best practices in corporate governance, fostering a culture of compliance within the organisation.
Product specialist
Lloyds Banking Group
Wolverhampton
02.2017 - 12.2025
- Provided Business Risk support to Financial Planning for Investment and Pension product development.
- Collaborated with Financial Planning Product Teams to ensure compliance with Conduct Risk and regulatory obligations.
- Actively participated in Annual Product Reviews and facilitated introduction of new products.
- Advised Financial Planning areas to guarantee fair outcomes and customer value through effective controls.
- Conducted Controls testing, ensuring compliance with Group Policy.
- Prepared detailed reports on testing outcomes for management review.
Compliance Risk Assistant Manager
Lloyds Banking Group
Wolverhampton, West Midlands
03.2016 - 02.2017
- Contributed to ongoing Compliance Risk Framework reviews.
- Reviewed FCA sourcebooks to manage regulatory, legal, operational, and conduct risks.
- Implemented preventative measures against non-compliance situations by thorough monitoring.
- Conducted compliance audits to ensure adherence to regulations.
- Demonstrated expertise in Risk Management & Compliance with excellent report writing skills.
- Established strong stakeholder relations, providing constructive challenges to mitigate regulatory risk.
Test manager
Lloyds Banking Group
Wolverhampton, West Midlands
03.2014 - 02.2017
- Created and completed detailed test plans and delivered outcome testing for Mortgage and Business Banking.
- Established stringent quality benchmarks for consistent delivery standards.
- Completed duties to deliver on targets with accuracy and efficiency.
- Improved efficiency and productivity by acquiring new skills.
- Enforced best practices within the team enhancing overall productivity.
- Displayed energy and enthusiasm in fast-paced environment.
Operational risk manager
Lloyds Banking Group
Wolverhampton
04.2009 - 03.2014
- Conducted comprehensive risk assessments for clearer understanding of potential breaches within the Mortgage Intermediary Business.
- Applied critical thinking to analyse problems, evaluate solutions and select best decisions.
- Maintained updated knowledge on current regulation and Business Processing whilst testing for producing accurate reports.
- Created strong networks with stakeholders with regular interaction and communication reviewing Business processes.
- Completed controls testing using the Operational Risk System ensuring preventative controls were in place in compliance with regulation.
- Conducted thorough investigations and reviews for accurate report writing.
Monitoring officer
Halifax Bank of Scotland
Wolverhampton, West Midlands
09.2004 - 04.2009
- Executed risk assessments to ensure compliance with MCOB Sourcebook and mitigate potential breaches.
- Conducted monitoring reviews through research and stakeholder consultations at Birmingham Midshires and Halifax Bank of Scotland.
- Identified non-compliance areas, recommending process alterations.
- Applied critical thinking to evaluate solutions and make decisions.
- Developed comprehensive reports on monitoring activities with meticulous data analysis.
- Compiled detailed reports for Business Directors, offering assurance and actionable recommendations.
Morgtage Sales Consultant
Birmingham Midshires
Wolverhampton, West Midlands
02.2001 - 08.2003
- Achieved sales targets by promoting and selling mortgages and financial products.
- Conducted detailed fact-finding on customers' financial situations and objectives.
- Analysed data to develop tailored plans addressing individual customer needs.
- Provided comprehensive information on products to facilitate informed decisions.
- Sourced new business opportunities and generated leads, enhancing overall business and sales performance.
- Maintained top position as highest performer in Sales League, demonstrating commitment.
- Obtained certification in Mortgage Advice & Practice 1, 2, and 3 (CeMap).
Senior customer service advisor
Birmingham Midshires
Wolverhampton, West Midlands
03.1990 - 02.2001
- Improved team productivity for enhanced service delivery through effective delegation of tasks.
- Monitored team's performance, identified areas needing further training or support.
- Analysed data from customer interactions to identify potential improvements in processes.
- Led team meetings, encouraged open communication among colleagues.
- Investigated and handled complex mortgage related customer correspondence including Complaints.
- Trained and coached new team members on all aspects of mortgage related enquiries and completed quality check. Built and maintained strong relationships with business areas and support functions to help deliver streching goals.
Education
Diploma of Higher Education - Business and Finance
BTEC National Diploma Business and Finance
Royal Leamington Spa, Warwickshire 09.1987 - 07.1989
A-Levels - Curriculam
Campion School
Royal Leamington Spa, Warwickshire 09.1981 - 07.1987
Skills
- Risk management understanding
- Quality Assurance
- Excellent written and oral communication
- Specialised report writing
- Problem-solving
- Delivering presentations
Affiliations
- Running
- Fine Dining and Cooking
- Astrology
Accomplishments
League Winner Mortgage Sales
Certification
CeMap 1 2 and 3
Languages
Punjabi
Fluent
Timeline
Risk Manager
Lloyds Banking Group
12.2017 - Current
Product specialist
Lloyds Banking Group
02.2017 - 12.2025
Compliance Risk Assistant Manager
Lloyds Banking Group
03.2016 - 02.2017
Test manager
Lloyds Banking Group
03.2014 - 02.2017
Operational risk manager
Lloyds Banking Group
04.2009 - 03.2014
Monitoring officer
Halifax Bank of Scotland
09.2004 - 04.2009
Morgtage Sales Consultant
Birmingham Midshires
02.2001 - 08.2003
Senior customer service advisor
Birmingham Midshires
03.1990 - 02.2001
Diploma of Higher Education - Business and Finance
BTEC National Diploma Business and Finance
09.1987 - 07.1989
A-Levels - Curriculam
Campion School
09.1981 - 07.1987
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