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Job Summary

• The Payments and Core Banking Technology Audit Director is a senior leadership role requiring an experienced technology professional with deep expertise in payments and core banking technologies, and the associated technology risks. The role provides independent, forward-looking assurance over the Bank's critical technology services and strategic leadership on technology risks, with a particular focus on payments architecture, payment processing, real-time payment systems, financial messaging, core banking platforms, and digital workflow systems supporting core banking and payment services. The role holder leads a team of technology audit professionals, manages senior stakeholder relationships across Technology, Operations, Payments, Core Banking, Business and Risk functions, and contributes to the development of the technology assurance strategy and multi-year audit coverage plan.
• The position ensures that the Board Audit Committee and senior management receive independent assurance on the effectiveness of technology controls supporting core banking and payment services. The role holder also serves as a trusted advisor to senior technology executives, including the Chief Information Officer (CIO), Chief Technology Officer (CTO) and payments and core banking leaders, and contributes directly to Board and Audit Committee reporting.
• As defined in the Audit Charter, all staff in GIAI must exhibit the highest level of professional objectivity in gathering, evaluating, and communicating information about the activity or process being examined.



They must make a balanced assessment of all the relevant circumstances and not be unduly influenced by their own interests or by others in forming judgments. GIAI will adhere to the Definition of Internal Auditing, the Core Principles for the Qualified Practice of Internal Auditing, Code of Ethics, and the Standards for the Professional Practice of Internal Auditing that are published by the IIA. It is expected that all members of GIAI strive to operate as role models for the Group's valued behaviours. GIAI methodology has defined "Habits of a Human Auditor" which are aligned to the Group's valued behaviours and communicated across the function.

Key Responsibilities

Strategy
• Define, implement and execute the assurance strategy for payments and core banking technology, covering key technology risks associated with payments architecture, payment processing, real-time payment systems, financial messaging, core banking platforms, and digital workflow systems supporting core banking and payment services.
• Lead the risk assessment and development of a forward-looking, risk-based assurance plan for payments and core banking technology, ensuring coverage remains aligned to the evolving risk profile of the portfolio.
• Identify emerging technology risks associated with payments modernisation, instant payments, financial messaging, core banking platform transformation,



open banking, digital workflow systems supporting core banking and payment services, third-party dependencies, and cloud adoption.
• Bring external technology, industry and regulatory insights into assurance planning to anticipate emerging technology risk themes and evolving control expectations.
• Ensure assigned reviews address key technology, payments and core banking risks identified through detailed risk assessments and meet relevant regulatory expectations.
• Ensure alignment with relevant technology, payments and cyber security regulatory expectations, including MAS, PRA and FCA requirements, and Group Audit methodology.
• Ensure that audit team operates in line with the Audit Charter during engagements, remains independent from management and free from interference.

Processes(Audit Delivery)
• Lead end-to-end delivery of complex, high-risk reviews across payments and core banking technology, ensuring outputs are risk-focused, high-quality and timely.
• Provide technical direction and challenge on technology control findings, ensuring clear articulation of risk, root cause, impact and practical management actions.
• Oversee planning, execution, issue agreement and report delivery in line with GIAI methodology, while bringing strong payments and core banking technology subject matter expertise.
• Guide, review and supervise technology risk and audit teams to ensure deliverables meet quality standards, timelines and methodology requirements.

• Lead Board and Audit Committee reporting, including clear conclusions on payments and core banking, technology controls and broader technology risk themes.
• Represen

📌 Audit Director (Bengaluru)
🏢 Standard Chartered Bank
📍 Bengaluru