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Inderpal Singh Bharaj is an experienced financial professional currently serving as the Chief Compliance Officer for Xpress Money Services Ltd since July 2012, overseeing regulatory compliance, AML, and ATF matters for Canada. Bharaj has held various leadership roles, including Assistant Vice President and Branch Head at State Bank of India (Canada) Ltd., and Sales Manager for NRI Services at Citibank Canada. Additional experience includes significant positions at Scotiabank, ICICI Bank Canada, IndusInd Bank, IDBI Bank, and HDFC Bank, showcasing a diverse background in banking, compliance, and business development. Bharaj holds multiple degrees, including an MBA in Finance from Guru Nanak Dev University and certifications in anti-money laundering and financial planning. Currently pursuing IFIC education, Bharaj continues to enhance expertise in the financial sector.