Expertise

Niru Pande is a seasoned bank regulatory and compliance professional with twenty years of banking, bank regulatory, risk management, and compliance experience.  Niru spent 13 years of his career as a bank regulator, including ten with the Federal Reserve Banks of Atlanta, Boston, and Philadelphia, developing regulatory expertise across a variety of disciplines including corporate governance, regulatory applications, wealth management, enforcement actions, and enterprise risk management.  Niru led or participated in nearly 200 regulatory examinations and inspections of traditional community and regional banks, large systemically important organizations, bankers banks, and nonfinancial institutions, with total assets ranging from $50 million to $225 billion.  Niru has expertise in comprehending, interpreting, and applying a fully taxonomy of federal bank regulations to financial institution activities, has planned and executed regulatory examinations of distressed banks under heightened regulatory supervision, and monitored and measured institutions' compliance with and resolution of outstanding enforcement actions.  

Niru has also served as an officer and in-house counsel at several community and regional banks.  He is experienced in the laws and regulations governing the operation of bank trust departments.

Niru is a licensed attorney in the District of Columbia, with admission pending in the State of California.  Niru is a member of several industry groups, including the American Bar Association, Banking Law Committee; the D.C. Bar Association; and the San Francisco Bank Attorneys Association.   .

The Fintech Consultant

Niru works with a boutique consultancy, The Fintech Consultant, whose professionals’ services complement and enhance Niru’s legal services (https://the-fintech-consultant.com).