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Tobuz Business Advisory
DOLLY KUMAR

Fractional Chief Risk Officer

Enterprise & Regulatory Risk Advisor

Strategic Risk Leadership for Scalable, Compliant Growth

Senior risk leader with 20+ years experience across global payments and financial services, including Visa International, MoneyGram International and American Express International.

Led enterprise-wide risk frameworks, regulatory programs and governance across 89 markets, partnering closely with executive leadership, business heads and regulators to enable compliant growth at scale.

WHY A FRACTIONAL/VIRTUAL CRO?

Avoid regulatory penalties
& remediation costs
Strengthen investor
& board confidence
Accelerate product approvals
& market entry
Protect enterprise value
& reputation

BUSINESS NEED

Startups and fintech operate in high-risk environments. Most growing fintechs do not fail because of product - they fail because governance, controls and regulatory oversight do not scale with growth. Regulators and investors now expect:

Clear governance and accountability
Documented risk frameworks
Strong oversight of products, vendors and data
Evidence that risks are actively managed, not reactively fixed
THE ROLE OF A CRO

As fintech and regulated businesses scale, risk, governance and regulatory expectations accelerate; often faster than the business itself.

A Chief Risk Officer ensures growth is safe, compliant and sustainable - not just fast. By embedding structured oversight and forward-looking risk management, a strong CRO function enables leadership to anticipate issues early, make informed decisions, and avoid costly remediation, regulatory exposure and operational disruption.

Assess Your Regulatory & Risk Readiness Today!

Modular Solutions

A Structured 7-Pillar Risk & Governance Framework
Regulatory Gap Assessment

Identify blind spots. Prioritize remediation. Achieve regulatory readiness.

Enterprise Risk Framework

Build Risk Appetite, KRIs, Visibility and Enterprise-wide control discipline.

Governance & Reporting

Turn oversight into structured accountability and executive clarity.

Operational & Third-party Risk

Strengthen operational resilience and vendor risk governance.

Product Risk Governance

Launch new products faster with embedded regulatory and risk discipline.

Regulatory Risk Management

Align regulatory obligations with scalable market growth.

Ongoing Oversight

Sustain growth with continuous risk intelligence and oversight.

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Secure Your Growth with
Risk Intelligence & Regulatory Discipline

Services are modular and can be engaged individually or as an integrated program, depending on the size, stage, and regulatory maturity of your business.

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