Finance, Risk & Controls Expert (CFA, FRM)
Resume:
NAVRAJ SINGH
Edmonton, AB T6H 4L5
*******@*******.***
PROFILE
• More than 15 years of progressive experience in finance, risk, and project/control management. Excellent communication skills to deal with the front office, finance, technology, operations, compliance, and audit
• Solid product experience in equities, fixed income, FX, derivatives, underwriting, and securitization. Thorough understanding of market risk measurement and management techniques, including stress testing and VaR
• Proficient in MS Office applications, Tableau, and SQL. Advanced skills in Excel (including pivot tables, VBA, and @Risk for Monte Carlo simulation and financial modeling). Familiar with sourcing data from market vendors, such as Bloomberg and Thomson Reuters EDUCATION
MBA
University of Alberta, June 2002
• 3.93 GPA (8.8 on a 9-point scale) in the graduating year of the program
• Provincial Graduate Student Scholarship (2002)
• Canadian Association of Petroleum Producers Graduate Scholarship in Business (2001) BSc with Specialization (Psychology)
University of Alberta, June 2000
• Alberta Heritage Foundation for Medical Research Summer Studentship (1998) BSc with First Class Honors (Neuroscience)
University of Alberta, June 1997
• First Class Standing – Dean’s Honor Roll (1995-1997)
• Alexander Rutherford Scholarship (1993)
PROFESSIONAL DESIGNATIONS
CFA (Chartered Financial Analyst) since September 2005 CFA Institute
• Society CFA Scholarships, twice awarded (2004 & 2005) FRM (Financial Risk Manager) since April 2008
Global Association of Risk Professionals
CAIA (Chartered Alternative Investment Analyst) since October 2010 CAIA Association
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WORK EXPERIENCE
Payments Risk & Controls Expert (contract) (May 2026 – July 2026) Mercor (Remote)
• Used senior level risk judgment as an independent contractor to design payments risk rubrics, improving the control awareness and reliability of frontier AI systems
• Reviewed payments risk and control assessments across payment capture, validation, authorization, tracking, funds control, smart routing, FX conversion, netting, prioritization, returns, and tokenization
• Evaluated inherent risk, residual risk, and control effectiveness using impact and likelihood frameworks aligned with operational risk and RCSA standards Securities, Commodities, & Financial Services Sales (contract) (January 2026 – May 2026) Mercor (Remote)
• Engaged as an independent contractor to conduct adversarial evaluation of financial services in AI workflows by designing test cases intended to expose reasoning failures, compliance gaps, and edge case vulnerabilities
• Promoted to Reviewer, responsible for evaluating and scoring other contractors’ submissions for rigor, correctness, and adherence to prompt, golden solution, and rubric standards
• Analyzed model outputs for accuracy, policy alignment, and domain specific correctness, documenting failure patterns and recommending improvements Capital Planner, Treasury Board and Finance (November 2024 – November 2025) Government of Alberta (Edmonton, AB)
• Supported budget and reporting for the provincial capital plan
• Implemented and reported the capital maintenance and renewal program
• Led improvements to methodologies for assessing and prioritizing infrastructure requirements across ministries
Vice President, Senior Auditor (April 2023 – September 2023) JPMorgan Chase (Jersey City, NJ)
• Led and participated in the audit coverage of derivative transactions regarding compliance with the Dodd-Frank Act, including the Volcker Rule
• Partnered with stakeholders (risk management, compliance, external auditors, regulators) while maintaining independence
• Finalized and communicated audit findings and provided recommendations to strengthen internal controls
Vice President, Compliance Testing Group (October 2021 – January 2023) Goldman Sachs (New York, NY)
• Performed compliance reviews of FX sales, trading, and cash management activities
• Presented findings to senior stakeholders and developed remediation plans Vice President, Equities Business Control Management (November 2017 – September 2021) JPMorgan Chase (New York, NY)
• Managed the 1st line of defense for US Equities, including Prime Finance that provides brokerage, synthetic financing, and securities-based lending to hedge funds
• Led monthly business control forums for Prime Finance with senior management that discussed front office supervision, market, credit, and operational risks as well as RCSA evaluation
• Designed a forecasting mechanism to identify swap-hedge mismatch exposures, preventing potential losses from pending transactions
• Prepared the business for internal/external audits and regulatory engagements; performed deep dives on internal risk events to mitigate the risk of manual order miscommunications and inaccurate client invoicing
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Senior Manager, Trade Floor Risk Management (May 2015 – October 2017) Scotiabank (Toronto, ON)
• Completed projects covering the P&L attribution under the Volcker Rule and risk reporting of fixed income – credit, –rates, equities, derivatives, FX, energy and commodities, hedge funds, and prime services lines of business
• Provided business support including answering ad hoc queries, user training, developing project plans, monitoring progress against planned objectives, and obtaining consensus and cooperation from users and senior management
Senior Manager, Product Control (May 2014 – May 2015) HSBC (Toronto, ON)
• Managed valuation control (IPV/IMTM, CVA/DVA, liquidity reserves) for trading portfolios
• Produced daily, monthly, periodic, and ad-hoc reporting of the Bank’s trading assets and liabilities of fixed income, FX, derivatives, and debt as well as equity underwriting activities Senior Project Manager (contract) (November 2013 – May 2014) Bank of Montreal (Toronto, ON)
• Responsible for setting up business processes to sell ETF equity and bond-related products internationally, managing long-distance relationships with key stakeholders
• Managed work streams in portfolio management, IT, marketing, legal, human resources, and operations within Global Asset Management to ensure the successful completion and launch of a new product line
AVP, Portfolio Manager (July 2012 – October 2013)
Horizons Exchange Traded Funds (Toronto, ON)
• Designed a dynamic covered call model for an S&P 500 options-based ETF
• Collaborated with CBOE and S&P to create the SPXCC Index, a flexible strike price covered call strategy
Senior Manager, Equity Derivatives (October 2009 – February 2012) CIBC (Toronto, ON)
• Managed a group of 5 middle office analysts to produce the daily and monthly financial reporting of the equity derivatives’ desk
• The daily reported P&L of trading strategies included constant proportion portfolio insurance
(CPPI), index as well as single stock options and swaps, equity-linked GICs (CDs), futures/forwards, and portfolios sustaining delta neutrality
• Conducted monthly independent price verification (IPV/IMTM) and valuation adjustment processes to ensure accurate valuation of portfolios Associate (August 2005 – September 2009)
RBC Capital Markets, Global Credit (Toronto, ON)
• Managed corporate credit and derivatives portfolios in mining and infrastructure industries
• Ensured compliance with exposure, economic capital, and structural subordination standards Associate, Commercial Credit (January 2004 – July 2005) CIBC (Winnipeg, MB)
• Performed financial modeling and industry analysis for new and existing credit opportunities New Markets Manager (May 2002 – January 2004)
EPCOR Merchant & Capital, LP (Edmonton, AB)
• Produced a credit risk valuation model to determine credit premiums for various S&P ratings to be applied to a portfolio of competitive power contracts. This project involved significant financial and stochastic modeling as jump diffusion processes were utilized
• Developed a financial model to securitize a receivable in excess of $190 million that resulted in lower surcharges for the majority of customers
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