I never envisioned a career in accounting. But my journey from a science and economics student in India to a leading compliance, anti-financial crime and advisory professional in Singapore speaks to my resilience and adaptability, and the invaluable foundation ACCA has provided.
After moving to Singapore following my marriage, I had trouble obtaining a residents’ pass to remain. My husband had just completed national service in Singapore and embarked on his further education as a full-time ACCA student. He suggested I enrol in the CAT programme to secure a student pass, which set me on an unexpected path and eventually to ACCA.
I was initially nervous as I had no background in accountancy. However, thanks to encouragement and quality teaching from my ACCA tutors, I gained confidence and progressed through both qualifications. Completing ACCA was transformative and opened doors I hadn’t known existed. It has given me a toolkit that’s been invaluable throughout my career.
My time in forensic investigation taught me to think critically and see beyond the surface
My first role was with KPMG Singapore in external audit and then in its advisory forensic team. My time in forensic investigation taught me to think critically and see beyond the surface. From here, I moved into the banking sector and gained a practical, end-to-end understanding of anti-money laundering (AML) processes at Deutsche Bank and JP Morgan. In banking, you see the full process of compliance and the importance of every piece fitting together. Thanks to ACCA, I brought a comprehensive approach to each role, viewing compliance through multiple lenses.
ACCA has been the bedrock of my career. In AML and compliance, it’s not just about knowing the rules; it’s about understanding how finance, accounting and law intersect. ACCA has provided that holistic perspective, enabling me to approach compliance from every possible angle.
I’ve always had a strong sense of justice and a desire to help others
At Delta Capita I’m part of the client lifecycle management team, which currently involves managing a global investigation project for a top-tier bank. With over 13 years of experience, I’m recognised as a subject matter expert in AML and know-your-customer compliance, trusted to oversee complex processes and support robust risk management practices.
In 2025, I intend to launch a consultancy and work side by side with my husband’s firm, Krish Chartered Associates. I’ll provide advisory and accounting services with a specialisation in AML compliance, risk management and broader financial solutions. Starting a consultancy is a way to bring my experience and holistic perspective to clients who need trusted guidance.
If I weren’t an accountant, I’d probably have become a lawyer or a politician. From a young age, I’ve always had a strong sense of justice and a desire to help others. I’ve been drawn to the idea of standing up for what’s right, investigating issues and advocating for fairness. Whether in law or politics, both paths would have allowed me to make a meaningful impact by solving problems and helping people navigate complex situations.
