Ritu Verma

Ritu brings nearly two decades of experience across financial services, banking, payments, fintech and regulatory advisory, with a career spanning ICICI Bank, PwC, Barclays, Amazon Pay, Pine Labs and PayGlocal. Her experience across traditional financial institutions, global technology businesses and high-growth fintechs gives her a distinctive perspective on how regulation, policy and business strategy intersect. 

Her expertise spans regulatory strategy, licensing and authorisations, payments and fintech regulation, cross-border financial services, FEMA, AML/CFT, financial crime compliance, governance and regulatory engagement. She has worked extensively on navigating complex regulatory frameworks, launching regulated businesses and products, building compliance frameworks and translating evolving regulatory expectations into commercially workable operating models. Ritu has been closely involved in the evolution of India's digital payments and fintech ecosystem, including regulatory engagements and licensing initiatives across domestic and cross-border payments, working with stakeholders such as the Reserve Bank of India, FIU-IND, IFSCA and industry bodies. She brings a practitioner's perspective to regulatory advisory, combining an understanding of regulatory intent with first-hand experience of implementing regulation within businesses.

A strong advocate of responsible innovation, Ritu believes that regulation should not be viewed only as a compliance obligation, but as an important part of business strategy. Her approach focuses on helping clients anticipate regulatory direction, understand supervisory expectations and build sustainable businesses within rapidly evolving regulatory frameworks.

Key Focus Areas: 

1. Regulatory Strategy, Licensing & Market Entry
2. Payments, FinTech, Virtual Digital Assets & Digital Financial Services 
3. Cross-Border Payments, FEMA & International Regulatory Strategy 
4. AML/CFT, Financial Crime, Governance & Regulatory Compliance 
5. Public Policy, Regulatory Advocacy & Industry Engagement 
6. Emerging Regulation – AI, Digital Assets, Data & Privacy