Our Contributors

Leading experts and practitioners driving excellence in AML/CFT capacity building across the ARIFAC ecosystem.

Mr. Anuj Bhansali

Advisor, Principal Consultant, Financial Crime & Fraud Risk

Anuj has over 12 years in fraud risk, AML/CFT and trust & safety. As VP of Trust & Safety at PhonePe, he was Principal Officer for AML reporting to FIU and represented India in the FATF R16 consultation. He earlier built fraud detection at Flipkart. IIT Roorkee and IIM Mumbai alumnus.

Mr. Harpreet Chhabra

Principal Officer, Thane Janata Sahakari Bank (TJSB)

Harpreet has over 25 years in financial crime compliance, AML and KYC across global and Indian banks. As GM Operations and Principal AML Officer at TJSB Sahakari Bank, he led its core banking migration and a three-bank merger. Earlier with MUFG, FirstRand and ABN AMRO. MBA, CAIIB.

Ms. Jyothi N M

Advisor, Head of Compliance and MLRO, BillDesk

Jyothi is Head of Compliance & AML at BillDesk, serving as Principal Officer and MLRO. She brings over 20 years in fintech and digital payments, is a member of ACAMS, ACFE and ICA, works with the Payments Council of India on policy, and is a certified ARIFAC trainer.

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Join ARIFAC's network of experts and practitioners shaping the future of financial intelligence in India — through training, research, events, and policy dialogue.