About Us

K.D. has over 35 years of experience in operations, information technology, information security, cybersecurity, internal audit, risk management, BSA/AML and regulatory compliance. He is a Trainer and a frequent speaker on Cybersecurity, BSA/AML, Compliance, Risk and Internal Audit topics at conferences and seminars. He is also a well published author on these topics.

Throughout his career, K.D. has interacted closely with Executives and Board of Directors providing strategic guidance in resolving critical business, operations and regulatory issues. He has successfully supervised various projects, including SOX, FDICIA, setting up of banks and liquidation of bank charters. He has also been involved in many projects relating to remediation efforts of institutions under supervisory actions, Lookbacks, board/ management/ staff trainings, reviews of AML and OFAC Systems, validations, etc. He is a frequent reviewer of Policies and Procedures, Risk Assessments, workpapers, and has led Quality Assurance Reviews. He has also formulated policies, procedures, programs and risk assessments.

Prior to RGS, K.D. was the National Leader of Financial Crimes at a mid-size Internal Audit firm, where he also led their Internal Audit practice in New York. His other prior experiences include working as Regional Head of global financial institution as Head of Technology Department and as Head of Compliance and Risk for a Fortune 100 bank.

K.D. is Certified Anti-Money Laundering Specialist (CAMS), Certified Regulatory Compliance Manager (CRCM) and Certified Internal Controls Auditor (CICA). He also holds Certification in Risk Management Assurance (CRMA) and is certified in programming.

Akshay is an experienced Internal Audit and Risk Management professional who has worked in various internal audit positions, including in Big 4 accounting firm and another internal audit firm. He performs, leads and supervises various operational internal audit, BSA/AML/OFAC audits, regulatory compliance audits, as well as consultancy, validation and remediation projects. He has led and supervised various SOX and FDICIA engagements, and has developed various Audit Programs and Risk Control Matrices for audits and validations of various operational, accounting, BSA/AML, SOX/FDICIA and regulatory compliance audits. Akshay leads multiple bank engagements.

Akshay has also performed and works as leader of Quality Assurance Review projects. He has led various projects relating to remediation efforts of institutions under supervisory actions, Lookbacks, reviews/audits of AML and OFAC Systems, validations, etc. He is experienced in Policies and Procedures, and has performed various Risk Assessments, including for BSA/AML, OFAC, EFT and ACH.

Prior to RGS, Akshay worked in a big 4 firm managing multiple internal audit and consultancy engagements. Earlier, he also worked at a mid-size Internal Audit firm, where he various internal audit, SOX, FDICIA and consultancy engagements at community banks, foreign banks and at other institutions. His other prior experiences include working in Accounting function in a company, in a CPA firm and at a bank.

Akshay holds Certified Risk and Compliance Management Professional (CRCMP) and Certified Internal Controls Auditor (CICA) certifications. He has B.B.A. in Accounting from Pace University.

Joel has 40 years of experience in bank operations, risk and advisory services. He has significant experience in internal audit, risk management, BSA/AML and regulatory compliance.

Joel has developed various Audit Programs and Risk Control Matrices for performing audits and validations of various operational, accounting, Trust, BSA/AML, regulatory compliance, ALLL and model validations. He has also been involved in projects relating to remediation efforts of institutions under supervisory actions, Lookbacks, reviews of AML and OFAC Systems, validations, etc. He is a frequent developer/reviewer of Policies and Procedure documents, and various Audit/BSA/OFAC/ACH/other Risk Assessments.

Joel leads and supervises various internal audit, consultancy, validation and remediation projects. He also leads SOX and FDICIA engagements. In his current role, Joel provides guidance to field auditors and ensures timely execution of projects and quality of the work products. He also leads Quality Assurance Review projects.

Prior to RGS, Joel worked as Audit Director at a mid-size Internal Audit firm, where he led various internal audit, SOX, FDICIA and consultancy engagements at community banks, foreign banks and at other institutions. His other prior experiences include working in Chase Manhattan Bank and Dresdner Bank. He worked as General Auditor in Patriot National Bank and has also worked in a Federal Credit Union and a Trust Company earlier.

Joel holds Certification in Risk Management Assurance (CRMA) and is also a Certified Fraud Examiner (CFE), Certified Financial Services Auditor (CFSA) and Certified Internal Auditor (CIA). He has B.S. in Accounting from Wagner College and M.S. in Management Accounting from New School University.