K. Hari Krishnan is a retired Chief General Manager of the Reserve Bank of India (RBI), India's central bank, with over 38 years of experience. He has extensive experience in banking supervision, payment systems, foreign exchange, human resources, and information technology. Some of his accomplishments include implementing various payment systems in India like the Electronic Receipts System, Cheque Truncation System, National Electronic Clearing Service, and National Electronic Funds Transfer. He is looking for opportunities to utilize his experience in central bank supervision, payment systems, and addressing operational risks through internal audits.

1. K. HARI KRISHNAN
Chief General Manager (Rtd)
Reserve Bank of India (RBI)
A 2 Reserve Bank Staff Quarters
P H Road, Kilpauk
Chennai 600010
Mobile: +91 - 98331 08730
Mail: khari238@gmail.com
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2. Personal Information
Date of Birth : 15.06.1955
Marital Status : Married
Nationality : Indian
Objective
I was working with Reserve Bank of India (RBI), India’s Central Bank for more than three
decades. I have extensive experience as an on-site Bank Examiner and off-site
monitoring of banks in India. Proficient in Banking Regulation and Supervision. I also
have vast experience on formulating, implementing various backbone payment and
settlement systems operated by RBI. I am looking forward for an appropriate opportunity
to use my experience in the areas of banks Supervision and Payment Settlement
Systems of the Central Banks and also in the spear of addressing operational risks
through internal audit/inspection/assessment, improving payment and settlement
systems of a Commercial Bank.
Education
• M.A., JAIIB., Certificates in Treasury and Risk Management (IIBF, India), Basel
II, Liquidity Risk, Anti-Money Laundering from Financial Stability Institute, Bank
for International Settlement (BIS), Basel, Switzerland
Work Experience
• A career Central Banker at the Reserve Bank of India, India’s Central Bank with
more than 38 years of policymaking and cross-functional experience - 12 years in
the Payment and Settlement Systems area, eight years in the Banking
Supervision area, six years in the Foreign Exchange area, four years each in
Human Resources and Banking Department, two years each in the Information
Technology and support services Department.
• Possess extensive experience as an on-site Bank Examiner and Principal
Inspecting Officer for inspection of Public Sector, Private Sector and Foreign
banks in India. Successfully led a key Bank Monitoring Division responsible for
off-site monitoring of banks at the RBI Central Office.
• Proficient in Banking Regulation and Supervision, Basel Guidelines, Know Your
Customer / Anti-Money Laundering Guidelines, Liquidity Risk Management
Guidelines, etc. for commercial banks in India.
• Possess extensive experience in policy formulation and implementation of Retail
Payment and Settlement Systems and IT-enabled Financial Inclusion in India.
Major career achievements
• One of the team members associated with introduction of Risk Based
Supervision (RBS) for Banks by RBI from 2011-13. Also involved in formulation of
templates, drivers etc., for RBS
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3. • One of the members of the committee involved in revision of Annual Financial
Inspection (AFI) report based on CAMELS approach which is currently in use
• Conducted nearly sixty branch and controlling offices inspections and eight AFIs
as Principle Inspecting Officer of Public, Private sector banks and foreign banks
under CAMELS
• Implemented the Electronic Receipts System for the State Government of Tamil
Nadu (2014); the Cheque Truncation System (CTS) for the Southern Grid
(covering 9 States in the country) (2013-15); the National Electronic Clearing
Service (NECS) (2007-10); the National Electronic Funds Transfer (NEFT)
system (2005-10)
• Pioneered the launch of Speed Clearing at Mumbai (2007)
• Successfully led the National Clearing Centre (NCC)(Payment Systems Centre)
of the Reserve Bank of India at Mumbai, India’s financial capital (2005-10)
Chairman/member of Working Groups
• Member of the Internal Working Group set up by the Reserve Bank of India on
Desktop Virtualization (2012), Revision of Annual Financial Inspection Report for
Commercial Banks (2010), Express Clearing (2009), Implementation of National
Electronic Funds Transfer (NEFT) (2005)
• Chairman of the Technical Sub-Group to ‘Study the Various Electronic Methods
Already in Use in Various Other Departments’ (of the State Government of
Maharashtra) [2006]
• Chairman of the Study Group on Sales Tax constituted by the State Government
of Maharashtra to implement E-Receipts and Payments (2006)
Participation in International Seminars
• ‘Credit Risk Analysis School’ organized by the Federal Reserve, Washington DC,
USA
• Seminar on Payment and Securities Settlement organized by the World Bank at
Brazil
• Seminar on Overview of Financial Sector Issues and Analysis organized by the
World Bank, Washington DC, USA
• Advanced Management Programme organized by the Management
Development Institute, New Delhi in collaboration with ESCP, Europe at
Switzerland, France and UK
• BIS Seminar on Payment and Settlement Systems for SAARC countries at the
College of Agricultural Banking, RBI, Pune
• International Payment Systems Seminar at the Reserve Bank Staff College, RBI,
Chennai
Paper Publication
• Published a paper on ‘Aadhaar-Linked Rupay Card’ in the prestigious Economic
& Political Weekly (EPW) Journal (May 21, 2012 edition)
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4. Paper presentation
Presentation on International Podium
• ‘Rehabilitation of Weak Public Sector Banks’ at the Seminar on Overview of
Financial Sector Issues and Analysis organized by the World Bank, Washington
DC, USA
• ‘Indian Payment and Settlement Systems: A Perspective’ at the Seminar on
Payment and Securities Settlement organized by the World Bank at Brazil
• ‘Experience of Implementation of Speed Clearing in India - An Impact Study’ at
Switzerland during the Advanced Management Programme organized by the
Management Development Institute, New Delhi in collaboration with ESCP,
Europe at Switzerland, France and UK
• ‘Electronic Payment Systems in India - Way Forward’ at the International
Seminar on Payment Systems organized by the Reserve Bank of India at
Chennai
Presentation on national Podium
• Concept Paper presented on the topic ‘Speed Clearing’ at the Conference of
MICR Clearing Houses organized by the Reserve Bank of India at Goa;
• ‘Multilateral Clearing’ at the Conference on Payment and Settlement Systems’
organized by the Reserve Bank of India at Mumbai;
• Electronic Payment Systems and its Impact on Trade and Commerce’ at the
Seminar organized by the Uttarakhand Chamber of Commerce at Dehradun
Guest Faculty
Served as Visiting / Guest Faculty in the area of Payment and Settlement Systems,
Supervision of Banks, Information Technology etc. at the various training establishments
/ offices of the Reserve Bank of India and Commercial Banks.
Other Competences
• Able to work under pressure with a strong sense of commitment.
• Autonomous, well organized and responsible.
• Diplomatic and excellent communication skills.
• Excellent planner and executor of assignments either taken by me or given to
me.
• Proficiency in languages are English, Tamil and Hindi.
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5. Place: Chennai, India (K Hari Krishnan)
Date : 27.07.2015
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6. Place: Chennai, India (K Hari Krishnan)
Date : 27.07.2015
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