Bindiya Kalloo-Hallam, CPA

Senior Manager at PwC - Financial Services Risk & Regulatory Practice

Greater Toronto Area, Canada

About

Senior Risk leader in the Financial Services Risk and Regulatory practice with 8+ years of progressive experience across credit risk, regulatory risk, internal audit and enterprise risk governance with Canadian and cross-border financial institutions. Partner with executive stakeholders (EVPs, Internal Audit leadership and regulatory facing teams) to design and access credit risk frameworks, regulatory compliance programs, and end-to-end control environments aligned to OSFI expectations and enterprise risk standards. Experienced in leading multi-stream risk transformation and assurance engagements, translating complex regulatory requirements into actionable governance, controls, and operating model enhancements across lending and financial services environments.

Experience

  • PwC Canada (Toronto, ON)
    • Senior Manager - FS Risk & Regulatory
      Jul 2023 - Present · 3 yrs

      Specializing in FS regulatory compliance and credit risk: * Lead end-to-end delivery and executive advisory for complex risk and regulatory engagements across major Canadian and cross-border financial institutions, with focus on credit risk, regulatory compliance, and enterprise risk governance transformation. * Lead OSFI-aligned risk reviews of second and third line functions for major financial institutions, assessing governance frameworks, control effectiveness, and regulatory adherence, and delivering executive-ready findings and remediation recommendations. * Advise Internal Audit leadership (including EVP-level stakeholders) at a major Canadian bank on regulatory findings response strategies; developed attestation materials and executive reporting for submission to senior governance and regulatory stakeholders. * Lead credit risk optimization initiatives for mid-sized lending institutions, supporting enhancement of credit adjudication frameworks and informing lending strategy through structured risk and portfolio analysis. * Direct multi-stream engagement delivery teams (onshore and offshore), coordinating cross-functional stakeholders across risk, compliance, finance, and operations to execute complex regulatory and credit risk mandates. * Develop executive-level narratives and board-ready materials translating technical risk findings into clear strategic implications for senior leadership decision-making. * Lead end-to-end QA and regulatory compliance reviews of lending adjudication processes, including policy assessment, control testing, and reporting on compliance effectiveness across credit lifecycle. * Serve as lead engagement manager for internal audit of a US-based financial institution operating a Canadian branch, reporting findings directly to UK and US executive leadership and supporting regulatory-facing communications.

    • Senior Associate / Manager - Risk Governance
      Jun 2020 - Jun 2023 · 3 yrs 1 mo

      Progressed through increasingly senior roles delivering risk advisory and assurance engagements across banking, asset management, and financial services clients, with focus on credit risk, IT risk, and regulatory compliance frameworks. * Designed and supported implementation of risk governance frameworks and credit-related risk policies for a Canadian multinational asset manager expanding lending operations and risk appetite boundaries. * Led internal audit and regulatory compliance testing engagements across financial services clients, acting as subject matter specialist in regulatory risk, operational risk, and control effectiveness. * Led IT General Controls (ITGC) audits across multi-entity financial institutions, assessing system controls supporting financial reporting and regulatory compliance, including coordination with offshore testing teams. * Supported audit planning and risk scoping for complex technology and financial services clients, ensuring alignment with regulatory expectations and enterprise risk frameworks. * Delivered findings and recommendations to client leadership, improving control environments and supporting remediation of identified regulatory and operational risk gaps.

  • Co-op Associate / Experienced Associate at PwC Canada
    May 2017 - Aug 2019 · 2 yrs 4 mos

    Supported execution of external audit and risk assurance engagements across financial services clients, with exposure to business process controls and IT general controls (ITGCs). * Executed walkthroughs and testing procedures for business processes and IT controls across financial services engagements. * Supported audit managers in documentation, control testing, and reporting for financial institutions. * Contributed to multiple concurrent audit engagements in fast-paced, deadline-driven environments.

  • New Business and Production Assistant (freelance) at JUDY INC.
    Apr 2015 - Sep 2016 · 1 yr 6 mos

    Assisted with quoting, contract development, sourcing suppliers, talent bookings and scheduling, call sheets, invoicing and reconciliations for production.

  • Agent at JUDY INC.
    Oct 2010 - Jan 2015 · 4 yrs 4 mos

    Booking Agent on the Artist Division; representing artists in makeup & hair, wardrobe; on and off- figure, propping, tabletop and food styling. - Managed entire duration of projects including national print and commercial campaigns, events, fashion shows, launches and editorials from initial stages of quoting, suggesting creative teams, negotiating budgets and contract development; to job execution which includes organizing booking details such as call sheets, catering, rentals, hiring assistants and other support teams; and finally wrapping the project by making sure all expense reports and invoicing are completed timely and accurately.