Simran Bharaj is an experienced financial crime risk professional with nearly 15 years of experience in financial crime complex advisory, remediation and troubleshooting. She started her career as a FCA supervisor, working across three divisions including Authorisations, Supervision and Enforcement before specialising as a financial crime supervisor. While at the FCA, she has been involved in thematic reviews, regulatory investigations, and various supervisory and enforcement tools. Simran now specifically works with firms to manage and mitigate against those risks.
Simran’s career spans a diverse range of financial services, including retail banking, wealth management, investments, commercial, SME lending, retail intermediaries, payment services, crypto, e-money institutions. Simran has worked with top-tier firms, challenger banks, fintechs, electronic money institutions, payments, and crypto companies both as interim MLROs as well for urgent remediation and project work. This includes control building and enhancement as well as troubleshooting. Simran has a proven track record of negotiating effective solutions by fostering strong partnerships with Boards, regulators, and internal stakeholders to resolve issues quickly and effectively.
Simran has a LL.B and LL.M from University College London and completed her Legal Practice Course (LPC) at the College of Law (now the University of Law). Simran is the founder of
GKSB Consultancy and frequently holds Head of Compliance (SMF16) and MLRO (SMF17) roles. Simran is also an opinion writer for Thomson Reuters Regulatory Intelligence, and until recently Chair of the Financial Services Focus Group for WhistleblowersUK (WBUK), which is the secretariat to the All-Party Parliamentary Group (APPG) on Whistleblowing. She is also on the EXCO of the Institute of MLROs.
