Bindhya Balan is a Domain Consultant with the Banking and Financial Services (BFS) business unit at Tata Consultancy Services (TCS). She has more than five years of experience in investment banking and has worked with various global banks including the Royal Bank of Scotland and the Australia and New Zealand Banking Group, prior to joining TCS. Balan is part of the Regulatory CoE within TCS BFS unit and her areas of specialization include trade finance, AML, sanctions, and reconciliations. She has an MBA degree in Finance from Calicut University, Calicut, India.