92 Myrtle Avenue
ramesh@riskmatellc.com214-783-6729
Riskmate LLC

Your Consumer Finance Ally

Tall buildings
Riskmate is your caring partner to help build world-class Consumer Finance Operations. With a successful track record of setting up risk and compliance organizations by deploying proven data and analytics techniques, Riskmate has the ability to get to the bottom of the issues to find the optimum solution by eliminating complexity.
Our Services

Services we offer

Risk Mate offers - build, execute, operate, train and transfer capabilities across all verticals for flexibility and long-term success. We have strategic partnerships across all verticals; hence, we are a one-stop engagement solutions provider in financial services. We offer these services by customizing and catering to both established industry players and start-ups.

1. Business strategy & transformation

Market Research
  • Due Diligence – viz. M&A, target market ‍
  • Financial Statement & Product Analysis – viz. financial & operating leverage structure assessment, product economics, viability
Business Strategy formulation, evaluation and implementation
  • Business SWOT – viz. Problem statement formulation, Business SWOT/competitor analysis to formulate “where the organization is & where organization wants to go”; roadmap for implementation
  • Customer Experience – viz. data & analytics driven customer experience analysis to formulate “where the organization is & where organization wants to go”, customer dissonance analytics
Organizational design and restructuring
  • Organization – viz. Strategy alignment assessment with organizational structure, culture assessment, governance, roles & responsibilities etc.
Process Mapping, Design & Re-engineering

Business Process Augmentation – viz. Process assessment, design, re-engineering with intelligent use of people and technology

Click on '+' above to expand

2. Risk compliance & control functions

Enterprise Risk Management (ERM)
  • Governance Structure, Roles & Responsibilities – independence, aligned with business strategy & risk profile‍
  • Risk Management Process – viz. Risk Appetite, Policies & Procedures, Risk Assessment Framework, KRI/KPI Framework, Issue Management, Change Management, QA testing, Data & analytics, Reporting, EGRC system implementation ‍
  • Culture & Incentives – viz. Compensation structure, Training - aligned with business strategy & risk profile
  • Data & Technology – viz. risk aggregation, automation supported by intelligent use of data & technology, privacy, cyber security
Compliance Management System (CMS)
  • Compliance Testing – viz. regulation compliance testing structure ‍
  • Compliance Training – viz. training program - aligned with regulatory, compliance & risk profile‍
  • Policies & Procedures – viz. Linkage to laws/regulations (federal & state), change of law‍
  • Exam/Issue Management – viz. organization structure, exam strategy, peer reviews, corrective action tracking and reporting‍
  • Third Party Oversight – viz. Vendor Approval, Contracts, Monitoring and Score Card

Federal & State regulations

  • Federal – OCC, Fed, CFPB viz. regulatory interface & risk assessment, change of law process, MRA resolution, Testing tools, automated testing
  • State – viz. 50 state regulatory interface & risk assessment, change of law MRA resolution, testing tools
Corporate Audit Architecture

Corporate Audit – viz. setting up 3rd line of defense with cross-functional coverage – board oversight, governance, data & analytics, audit plan, reporting - aligned with business strategy & risk profile

Finance (SOX) & Non-Finance Controls
  • SOX 302 & 404 – viz. assessment & implementation ‍
  • Internal Controls – viz. framework assessment across functions/issues

Click on '+' above to expand

3. Data analytics & Modeling

Statistical modeling
Model validation
Big data analytics
Data architecture
Our Clients

Who we work with

We have capabilities to address every business challenge as we forge alliance with the BEST.

What we promise

Offering the best guidance for over 20 years.

Risk Mate is powered by industry veterans who have proven their mettle across functions in Fortune 100 financial institutions. We have directly managed P&Ls for multi-billion secured and unsecured asset portfolios spanning business transformation, risk control and analytic functions adding tangible value to customers, investors and other counterparts. We have been trusted corporate advisors and partners for top 10 bank & non-bank executive suites and their boards for 3 decades.


‍

References
"I have known Ramesh for almost two decades both as a good friend and a fabulous colleague. We partner together on various projects now which are varied from M&A opportunities, to process re-engineering to Risk and Analytics areas. I relied a lot on him while I worked at Citi and Chase and he brought a very sound risk insight to our discussions. Even after I joined Freddie I used to appreciate the work he did at Mr Cooper that has made the company one of the best in the Mortgage industry. Ramesh brings a lot of energy and expertise to everything he does with a proven methodology for solving complex issues and thinking about things newly. I strongly recommend him for assignments across the consumer finance space in all disciplines. I am sure his insights will be invaluable given his wide repertoire of experience and track record."
- Dave Lowman

Former EVP, Head of Single-Family Business  
FreddieMac

1/3

"I had an opportunity to work with Ramesh when I embarked on my dream vision of demystifying the housing transaction, be it a sale or purchase. Being the Chief Risk Officer of the largest non-bank mortgage servicing company (NSM) which prides itself on customer experience, I can say I learnt the most about residential real estate business from Ramesh.I would have never imagined a risk function to be so core to running the business end-to-end like in mortgage servicing. Risk management drives everything in mortgage servicing business, from customer experience, operational process/cost, to profitability of the servicing business. I would always respect him as one of the many people who taught me a lot and he is a great company off work too."
Kal Raman

Chief Digital Officer, Samsung America

2/3

"Ramesh is a great leader. I’ve had the pleasure of knowing Ramesh for a long time. We worked closely together at JPMorgan Chase when Ramesh was the head of Risk for the Mortgage business. I always valued Ramesh's  ability to bring various functions together and lead with bold decisions. Ramesh has an exceptional work ethic and outstanding sense of humor! He would be a great asset for any organization."
- Ryan McInerney

President, VISA

3/3

Your caring finance partner.
Contact
ramesh@riskmatellc.com214-783-6729