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Fraud risk services 2013

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    Fraud risk services 2013 Fraud risk services 2013 Presentation Transcript

    • Fraud Management- Risk Consulting Services Riskpro India Ventures (P) Limited New Delhi, Mumbai, Bangalore 1
    • Who is Riskpro… Why us? ABOUT US MISSION Riskpro is an organisation of member firms around India devoted to client service  Provide integrated risk management excellence. Member firms offer wide range consulting services to mid-large sized of services in the field of risk management. corporate /financial institutions in India Currently it has offices in three major cities  Be the preferred service provider for Mumbai, Delhi and Bangalore and alliances complete Governance, Risk and Compliance in other cities. (GRC) solutions. Managed by experienced professionals with experiences spanning various industries. VALUE PROPOSITION DIFFERENTIATORS You get quality advisory, normally delivered by large consulting firms, at fee levels  Risk Management is our main focus charged by independent & small firms  Over 200 years of cumulative experience High quality deliverables  Hybrid Delivery model Multi-skilled & multi-disciplined organisation.  Ability to take on large and complex projects Timely completion of any task due to delivery capabilities Affordable alternative to large firms  We Hold hands, not shake hands. 2
    • Riskpro’s Network Presence New Delhi Agra Ahmedabad Kolkata Mumbai Pune Hyderabad Bangalore Salem 3
    • Fraud Risk Management- Context Setting Business different Effective risk management elements have risks is a collective effort at a associated which needs to organizational level to be identified and action reduce potential threats plan put in place to mitigate and protect bottom lines of and reduce potential loss business occurrence 4
    • Fraud Occurrence - Conditions  Financial Pressures  Personal Habits (Gambling, Drug, Alcohol)  Work-related Factors (Overworked, Underpaid, Not Promoted)  Achieve Financial Results (Bonus, Compensation)  Insufficient Working Capital, High Debt Level, Credit Difficulties Pressures Fraud Triangle Opportunities $ Rationalization  Poor Internal Controls  I am only borrowing the money and will pay it back  Low Fraud Awareness  Nobody will get hurt  Treat Fraudster With Leniency  The organization treats me unfairly and owes me  Rapid Turnover of Employee  It’s for a good purpose  Use of Many Banks  It’s only temporary, until operations improve  Weak Subordinate Personnel  Absence of Mandatory Vacations 5
    • Fraud Risk – Diagnostics Process Identify Key Agree on Expectations and Fraud and Deliverables Integrity Risks Source Fraud and Assess Fraud and Integrity Risk Integrity Risks Evaluate and Improve Fraud and Measure Fraud and Integrity Risk Controls Integrity Risks Provide Change Evaluate Existing Management Reject, Transfer and Fraud and Integrity Retain Risks Risk Controls Communicate Results Design Improved Exceed Fraud and Integrity Risk Controls Build Improved Fraud Risk Diagnostic Process is designed to : Controls Into Client Processes - Prevent/Deter/Detect/Investigate Fraud Risk - Reduce Fraud Risk to an acceptable level - Improve your “ Bottom Line” 6
    • Fraud Risk - Business Services Spectrum Fraud Risk Services Business Fraud Business Fraud Business Fraud Investigation Service Risk Management Hot Line System  Fraud Investigation Service  Fraud Risk Diagnostic  Whistleblower Service  Anti-Money Laundering  Fraud Risk Prevention Service  Intellectual Property Service  Ethics & Anti-Fraud Program  Corporate Intelligence 7
    • Our ForensicsServices - Process Overview Forensic & Fraud Investigation Life Cycle Services Business Legal and Fraud Fraud Risk Background Litigation Corporate Investigation Management Ethics & Regulatory Verification Support Intelligence Compliance IntegrityAssessment  Investigation Analysis Reporting Cyber Crime IT Risk Past Records IT Evidence Vital Vendor Diagnostic Verification Collection Information Monitoring Sarbanes Investigation Oxley & Response Collection Organizational Education Business compliance Culture related to Vendor/Third Verification Interruption Party Program Assessment Forensics Claims  Business Analysis & Employment Vendor/3rd Clause 49  Dealers Party SEBI Reporting Internal IT Verification Control & Risk IPR Disputes Assessment compliance  Franchisees Analysis Forensics & Reference Verification  Distributors Code of Investigation FCPA(Forei Security & Joint Venture Conduct Process  Suppliers gn Corrupt Privacy Program Partnership Design/ & Service Practice Criminal Disputes IT Governance Act) act Implementati Providers Data Loss Verification (COSO/COBIT) on USA 1973 Prevention  Organization Design & to be acquired Implementation Accounting Address Complex Case Anti-Fraud or merged KYC - Fraud Verification Management Measurement Procall Banks Investigation Training & Education 8
    • Fraud Management- Risk Consulting Components Loss Prevention Risk Intelligence Business Ethics Background Anti-Corruption Whistle Blowing Screening Fraud Risk Vendor Screening Forensics Services Management Investigative Internal Risk Controls Litigation Services Accounting 9
    • Loss Prevention Industry Alignment Employee Behavior Banking Automotive Financial Services Telecom Insurance Customer Service Real Estate Infrastructure Employee Theft Waste Pharma/ Retail Bio-tech Poor safety practices Energy Securities Bad accounting procedures 10
    • Risk Intelligence Industry Alignment Geopolitical Banking Financial Services Automotive Surveys Insurance Telecom Risk Profiling Real Estate Infrastructure Criminal Suspect Pharma/ Retail Profiling Bio-tech Investigations Energy Securities 11
    • Business Ethics Industry Alignment Banking Due Diligence Financial Services Automotive Telecom Insurance Corporate Social Responsibility Real Estate Infrastructure Ethical Assurance Pharma/ Retail Bio-tech Ethical Investing Business Ethics Energy Securities Training 12
    • Anti-Corruption Industry Alignment Anti-Corruption Compliance & Banking Investigations Automotive Financial Services Telecom Insurance Policy & Procedure Design & Review Real Estate Infrastructure Investigative Due Diligence & Risk Assessment Investigate Allegations of Corruption Pharma/ Retail Bio-tech Compliance with Accounting & Internal Controls Energy Securities International Presence & Capability 13
    • Whistle Blowing Industry Alignment Management information source Banking Automotive Financial Services Telecom Proactive approach – Establishing , enabling Insurance timely action Reduction in crime perpetrated against the corporation Real Estate Infrastructure Improved Labor relations Pharma/ Loss recovery due to theft, fraud & crimes Retail Bio-tech Awareness Culture creation Energy Securities Caller Information Advisory 14
    • Background Screening Industry Alignment Banking Employee screening Financial Services Automotive Telecom Insurance Senior executive screening Real Estate Infrastructure Periodic employee screening Pharma/ Retail Bio-tech Substance abuse testing International background Energy Securities screening 15
    • Vendor Screening Industry Alignment Family & Business history of promoters Banking Automotive Financial Services Telecom Financial Strength of Promoters or the Insurance Vendor Regulatory Compliance History Real Estate Infrastructure Criminal Records verification Pharma/ Market Reputation Retail Bio-tech Reference Checks with other Clients Energy Securities Vendor Due Diligence 16
    • Forensics Services Industry Alignment Banking Automotive Disputes support Financial Services Telecom Insurance Forensic accounting Real Estate Infrastructure & Analysis Pharma/ Investigations Bio-tech Retail Technology Solutions Energy Securities 17
    • Fraud Risk Management Industry Alignment Banking Operational Reviews Automotive Financial Services Telecom Insurance Investigative services Real Estate Infrastructure Project Management Training & Awareness Pharma/ Retail Bio-tech Data Analysis Energy Securities Interim Management 18
    • Internal Risk Controls Industry Alignment Internal Audit strategic sourcing Banking Automotive Financial Services Telecom Insurance Enterprise Risk Management Regulatory compliances (SOX) Real Estate Infrastructure Contract compliance Pharma/ Corporate Governance Retail Bio-tech Continued Monitoring Energy Securities Integrated Assurance 19
    • Litigation Services Industry Alignment Banking Bankruptcy Litigation Automotive Financial Services Telecom Insurance Commercial Litigation Real Estate Infrastructure Intellectual Property Insurance Claims Pharma/ Retail Bio-tech GAAP related support Energy Securities Computer Forensics 20
    • Investigative Accounting Industry Alignment Effective controls for fraud Banking detection Automotive Financial Services Telecom Insurance Financial fraud and embezzlement Real Estate Infrastructure Determination of economic damages Financial modeling Pharma/ Retail Bio-tech Determination of change in net worth Energy Securities Insurance claims fraud 21
    • Fraud Risk - Analysis & Management Risk Analysis Risk Risk Risk Assessment Management Monitoring Process Identification Control It Level Share or Activity Measurement Transfer It Level Diversify or Prioritization Entity Level Avoid It 22
    • Our Approach  Protects you from any Monetary or Reputation damage  Ensures that the Code of Conduct is Report understood, followed and not violated Resolve  Enables you to identify risks / control gaps Investigate  Helps you identify any undisclosed production Analyze  Risk Mitigation Riskpro  Process Improvement & Reengineering End to End Solutions  Improved Corporate & IT Governance Integrated Financial  Evaluate & Classify Third Party Risk Solutions  Monitor and verify security controls Reasonably priced quality contracted to business vendors services  Mitigation of vendor service delivery risk High Quality Deliverables with experienced professionals 23
    • Our Risk Consulting - Value Proposition Based on our understanding of your requirements, we have customized a package of our solution offerings to meet your needs. To detect and prevent fraud Our Solution For you and evaluate Code Of Benefits To You Conduct Compliance on following parameters :  Protects you from any  Fraud Detection Monetary or Reputation Resolve damage  Fraudulent Vendor Investigate Prioritize  Recruiting new dealers, solutions and remedial  Code of conduct suppliers, franchisees or Analyze measures Source Root establishment distributors cause of Problem  Anti-Fraud Measures Understanding Your Supply  Enables you to identify Quantify Loss  Monitoring Compliance and Aut Chain and Suggest risks / control gaps possible Actions horization Obtaining And securing Evidence  Helps you identify any  Workplace Practice To Monitor Your undisclosed production  Background check for Process Solve Compliances employees Issues  Risk Mitigation Confidential  Background check for Interviews with vendors customers Evaluating your need  Prevent default of high value bills 24
    • Riskpro Clients Our Clients *Any trademarks or logos used throughout this presentation are the property of their respective owners 25
    • Team Experiences Our Experiences Our team members have worked at world class Companies *Any trademarks or logos used throughout this presentation are the property of their respective owners 26
    • RESUMES – Our team Credentials  Co-Founder - Riskpro  CA, CPA, MBA-Finance (USA), FRM (GARP) Manoj Jain  Over 10 years international experience – 6 years in Bahrain and 4 years USA  15 years exp in risk management consulting and internal audits, Specialization in Operational Risk, Basel II, Sox and Control design  Worked for Ernst & Young (Bahrain), Arab Investment Company (Bahrain), Navigant Consulting(USA), Kotak Mahindra Bank (India) and Credit Suisse(India)  Sox Compliance project for Fannie Mae, USA ( $900+ Billion Mortgage Company)  Co- Founder - Riskpro  CA (India), MBA (Netherlands), CIA (USA) Rahul Bhan  Over 15 years of extensive internal and external audit experience in India and abroad.  Worked with KPMG United Arab Emirates, PKF South Africa, Ernst and Young Kuwait, Deloitte Netherlands and KPMG India.  Worked with clients in a wide variety of industries and countries including trading, retail and consumer goods, NGO, manufacturing and banking and finance. Major clients include banks, investment companies, manufacturing organizations, aviation etc. 27
    • RESUMES - Our team Credentials  Co-Founder - Riskpro Casper Abraham  PGD (Electrical & Electronics & Computer Programming)  30 years of experience in Information & Communications Technology (ICT) Solutions for Retail, Garments, Manufacturing, Services Industries.  Has created Companies, Divisions, Products, Brands, Teams & Markets.  Consulting in Business, Technology, Marketing & Sales & Strategic Planning.  Advisory, Training, Workshops & Implementation in Systems Thinking, Systems Modeling & Balanced Scorecard  Worked with TIFR, Mahindra, Ambience, Communico-Graphique & Ionidea Inc, USA,  Sr Vice President – Risk Management MBA, PDFM,NSE-NCFM, PMP, CSSGB,ISO 9001:2000 I.A,GARP-FBR, ITILV3,CPP-BPM Hemant Seigell   Professional with 17 years of rich experience into diverse Consumer finance/ Lending operations ,Risk Management,BPMS, Consumer Banking, NBFC, Management Consulting & Housing finance in BFSI industry having successfully led key business strategic engagements across multi-product environment in APAC, Australia and US regions.  Worked with GE, ABN AMRO Bank, Citigroup, Accenture, Deutsche Postbank  Highly skilled and expert Trainer in Risk areas across Credit, Fraud, Operational, Corporate Risk management.  Specializes in Fraud Control, AML/KYC Compliance ,QA ,ERM and Regulatory governance. 28
    • RESUMES - Our team Credentials  Head - Insurance Risk Advisory services  B.sc, Associate of Indian Institute of Insurance Licensed Category A Insurance surveyor R. Gupta   26 years of experience in Insurance advisory services, Loss adjusting for large corporates,Claims management.  Has assessed more than 4500 high value insurance claims across various industry sectors.  Risk management inspection  Valuations of fixed assets for insurance purpose.  Head - Human Capital Management Nilesh Bhatia  Chartered Accountant, Lead Assessor ISO 9000, Six Sigma Trained, Trained on Situational Leadership, Trained on interviewing skills and Whole Message Model.  Over two decades of international, multi-cultural experience in finance and human resources viz. internal audit, accounting operations, accounting process review & re-designing, risk management, business solutioning, six sigma projects, talent acquisition, talent retention, organization design/redesigning, compensation and appraisal processing, employee and customer satisfaction surveys, knowledge management and finance services.  Worked with Citicorp/MGF, India Glycol, Delphi, American Express India, American Express USA, Fidelity International and Macquarie Global Finance Services India. 29
    • RESUMES - Our team Credentials  Head – Taxation Risk Advisory Rajesh Jhalani  B.Com, FCA  Senior Partner with 48 year old Delhi based Chartered Accountant firm, Mehrotra and Mehrotra  Over 19 years of experience in the field of Audit, Taxation, Company law matters.  Major clients served are NTPC, BHEL, Bank of India, PNB, Airport Authority of India etc. President – Banking & Financial Services  A senior researcher in Applied Mathematics leading to Ph.D after MSc (Mathematics), Sivaramakrishnan CWA, CAIIB  Combined experience of 25+ years in corporate banking, risk management, international trade finance, development of risk rating models, project finance, credit monitoring and NPA management  Since 2006 conducting open / in-house training on the above domains to all Top public/ new and old private sector banks, top MNC banks (India and abroad), leading NBFCs and corporates in manufacturing and financial services space; Worked on IFC (World Bank) funded projects for MSMEs in India and abroad  Worked for Bank of Baroda and ICICI Bank – bestowed Top Performer Award continuously two years during his tenure; widely travelled abroad for business relations, seminars, offering training, investor meetings, NYSE listing and for processes involving establishment of representative Office in USA 30
    • RESUMES - Our team Credentials Executive Vice President – Risk Management ( Banking & Financial Services)  A hands-on banking professional {BSc (Mathematics), CAIIB} with considerable domestic and international experience Kashi Banerjee  An aggregate experience of 24+ years across industry, mainly BFSI in several functional areas including Retail and Commercial Banking, Corporate Lending, team member of the Business Process Re-Engineering project (BPR); conceptualizing and setting up shared services centres for centralized operations for the Bank in India.  Management through ERM framework overseeing all key areas of the business through various Operational Risk tools like KRI / RCSA matrices. Managing of major project implementation of Basel II and Compliance risk framework  Directing, reviewing and advising Board of Directors on various compliance issues and representing the bank to the Central Bank regulatory offices.  Worked for ANZ Grindlays Bank, Standard Chartered, Bahraini Saudi Bank and Dubai Holdings ( subsidiary) Consultant – Information Security & IT Governance Anjay Agarwal  LLB, CA, CISA, CWA, CS, CFE and others  Over 15 years of experience in the field of Audit, Taxation, Investigations.  Specializing in the field of Systems Audit, Cybrex Audit, Computer Crime Investigations, IS Forensics  International Committee Member of Governmental and Regulatory Agencies Board and Academic Relations Committee of ISACA, USA 31
    • RESUMES - Our team Credentials Executive Vice President – Risk Management ( Banking & Financial Services) Vijayan Govindarajan  Professional Risk Manager with considerable domestic and international experience  An aggregate experience of 30 + years across industry, mainly Banking in several functional areas including Wholesale Credit Risk, Operational Risk, Trade Finance , Retail Banking and Islamic Financial Services.  Track record of setting up of excellence in the set-up, and management of credit and operational risk, compliance and credit administration functions in retail, commercial , Islamic Banking and offshore banking entities in the Middle East.  Key strength includes Corporate Credits, Risk Management in IT, implementation of Risk Management module in core banking Bank’s Policies, procedures, Country Risk. Played an active role in 3 core banking software implementations  Worked for a Private Sector Bank in India, ABN AMRO Bank, Bahrain, Bank Muscat Bahrain and BMI Bank Bahrain as AGM Risk Management.  Specialist Risk Consultant – ERP & IT Compliance Gourav Ladha  SAP Certified, MBA (Finance), SAP Security trained (from SAP India), SAP GRC Access Controls trained (from SAP India)  Over 7 years of experience working in the area of ERP/IT Risk advisory, primarily focusing on SAP, for ‘Fortune 500’ clients in around 8 countries including US, UK, UAE, Hong Kong, etc  Specializes in SAP Risk & Controls Advisory, SAP Business Process Controls Audit, SAP Security & Segregation of Duties Control Audit, ERP Trainings,  Strong Industry experiences ranging from Beverages, Insurance, Energy, FMCG, Pharmaceutical, Retail, Telecommunication to IT Services  Worked for risk advisory teams of reputed organizations like Ernst & Young, EXL Services 32
    • RESUMES - Our team Credentials  Vice President & Head – IT Risk Advisory Ravikiran Bhandari  Over 14+ Years of Experience in Information Security and Risk Management & CISM certified  Headed the Global Information Security team of Daimler (Mercedes-Benz) Worldwide at Bangalore for 9 years, previously worked at organization like Wipro, Bangalore Labs  Multi-sector experience including Banking, Insurance, Finance, Energy, Manufacturing, Retail, Hi-Tech & Telecom, and Automobile  Well known Ethical hacker: Was featured in BusinessWorld Magazine in an article about leading ethical hackers in India and published several articles in Print and Online Media  Rich experience in Information Security Audits across Corporations, 3rd Party Suppliers, Joint Ventures across several countries in the world including US, UK, China, Germany Vice President – Legal Risk Advisory Aashish Shrivastav   B.B.A. LL.B. (Hons.)  About half a decade experience in legal services to client’s with respect to Contract and Commercial Laws, Joint Ventures, Inbound & Outbound Investments, Private Equity Investment Transactions, Real Estate & Infrastructure, Energy and General Corporate.  Have advised various social enterprises and start ups in setting up business in India.  Worked for the leading law firms of India such as FoxMandal Little. 33
    • RESUMES - Our team Credentials  Vice President – Riskpro India Phanindra Prakash  FCA [India], ACMA [India], CFE [USA], CertIFRS [UK]  Over 16 years of extensive consulting experience which includes financial & systems audit, process transformation, implementation of internal controls, SOX compliance, fraud audits & due diligence, US-India taxation  Engaged in consulting roles as trusted advisor to finance, internal audit and information technology executives of multiple Fortune 1000 companies with project sites in US, Canada, Europe & Asia  Worked with E&Y and Deloitte Consulting in USA  Some of the major clients served internationally are GE Capital, UBS, McKesson, Eaton, Imation, Albertsons,  EVP and Head – Telecom Risk Advisory  M.Tech, IIT Kharagpur, India; IES; Doctoral study, research and teaching in Linkpoing University/Sweden; Lead Auditor (BVQI). Asok Sit  Over 30 years on International experience in networks and mobile Handsets from top global companies /institutes like ISRO, Ericsson, Nokia, Nokia Siemens Networks and based mostly in its head quarter locations in India, EU, USA.  Expertise: Setting up capability, behaviour, culture in turning Risk, Quality, Innovation for competitive advantage, customer delight and sustainability; key skill sets are Engagement, Handholding, Coaching, Mentoring and lot of best practices, benchmarking/standards like CMMI, TL9000, Six Sigma, ISO, SAS 70 etc. 34
    • RESUMES - PARTNERSHIPS  Specialist Risk Consultant – Business ContinuityAndrew Hiles  Founder and 15-year Chairman of Survive, the first international user group for Business Continuity professionals  Founding director and first Fellow of the Business Continuity Institute  Over 25 years international consulting expertise in Risk, Crisis, Emergency, Incident, and Business Continuity and ICT Disaster Recovery Management  Multi-sector experience including Banking, Insurance, Finance, Oil, Gas, Energy, Manufacturing, Retail, Hi-Tech & Telecom  Western Press Award for services to business, 1994; BCI/CIR nomination for lifetime achievement in BC, 1999, London; inducted into BC Hall of Fame by CPM magazine, 2004, Washington DC.  Specialist Risk Consultant – Enterprise Risk ManagementChris E. Mandel  Highly skilled risk and insurance professional with 25 years of experience designing, developing and implementing large, global corporate risk management programs for Fortune 500 firms.  Principal Consultant and Founder - Excellence in Risk Management, LLC. (Texas, USA) Co- founder and EVP, Professional Services, rPM3 Solutions, LLC (Maryland, USA).  Past experiences include Head of Global Risk Management for USAA, PepsiCo/Tricon Global and American National Red Cross  Additional risk and insurance experience at Verizon Corp,. Marsh USA and Liberty Mutual Insurance Co.  2004 Risk Manager of the Year – 2007 recipient of the Alexander Hamilton Award for “Excellence in ERM” (at USAA) – former President, Risk and Insurance Management Society, Inc. 35
    • RESUMES - Advisors Credentials  Founder partner of Mehrotra and Mehrotra, a 48 year old CA firm in India Mr. MP Mehrorta  B.Com, FCA, LLB  Over 48 years of experience in audits, taxation, legal matters, loan syndication etc.  Trustee of Cochin Port Trust, Member of Task Force for MOUs, Ministry of Heavy Industries & Public Enterprises, Govt. of India, Ex- Member of Central Board of Trustees, Employees’ Provident Fund Organisation (EPFO), Ministry of Labour, Govt. of India, New Delhi.  Ex - Director, Canara Bank  Practicing chartered accountant in Delhi  CA, ICWA Mr. PK Gupta  Over 35 years of professional experience.  Trustee, Kargil Shaheed Smarak Samiti  Hon. Treasurer, World Academy of Spiritual Sciences (WASS).  Panel Arbitrator, International Centre for Alternative Dispute Resolution  Arbitrator, Cement Corporation of India  Arbitrator, Bombay Stock Exchange Limited  Arbitrator, Central Depository Services (India) Limited  Arbitrator’s Panel of Indian Council of Arbitration 36
    • Key Contacts Corporate Mumbai Delhi Bangalore Riskpro India Manoj Jain Rahul Bhan Casper Abraham Ventures (P) Limited Director Director Director M- 98337 67114 M- 99680 05042 M- 98450 61870 manoj.jain@riskpro.in rahul.bhan@riskpro.in casper.abraham@riskpro.in info@riskpro.in www.riskpro.in Sivaramakrishnan Hemant Seigell Vijayan Govindarajan President – Banking & FS SVP – Risk Management EVP – Risk Management C 561, Defence colony M- 98690 19311 M- 99536 97905 M- 99166 63652 New Delhi 110024 smaran.iyer@riskpro.in hemant.seigell@riskpro.in vijayan.govindarajan@riskpro.in Ahmedabad Pune Kolkata Gurgaon Maulik Manakiwala M.L. Jain Kashi Banerjee Nilesh Bhatia Associate Firm Principal – Strategy Risk EVP – Risk Management Head – Human Capital Mgt. M – 98256 40046 M- 98220 11987 M- 98304 75375 M- 98182 93434 mljain@riskpro.in kashi.banerjee@riskpro.in nilesh.bhatia@riskpro.in Gourav Ladha Sap Risk Advisory M- 97129 52955 Salem Ghaziabad Agra Hyderabad Chandrasekeran R Gupta Alok Kumar Agarwal Phanindra Prakash Recruitment franchisee Head – Insurance Risk Associate Firm Member Firm M – 94435 99132 M- 98101 07387 M- 99971 65253 M- 95500 61616Copyright- © 2012 Riskpro ,India .All rights reserved. 37
    • Key Contacts (Continued) Corporate Bangalore Gurgaon Riskpro India Ravikiran Bhandari Asok Sit Ventures (P) Limited VP – IT Risk Advisory M- 99001 69562 EVP, Head – Telecom Risk Advisory ravikiran.bhandari@riskpro.in M- 98105 03463 info@riskpro.in www.riskpro.in asok.sit@riskpro.in C 561, Defence colony New Delhi 110024Copyright- © 2012 Riskpro ,India .All rights reserved. 38