Our Background

The company was founded in 2024 by Zarsis Merchant, a Chartered Accountant with 30+ years
of leadership roles at Citibank NA and Change Et Al Consultancy in Asia. We offer personalised
advisory services to medium-sized enterprises and startups in the following areas:
(1) Consulting & Advisory in Internal Audit, Governance, Risk & Compliance- Leveraging the
founder’s experience & expertise
(2) Technology Solutions in Governance, Risk, Compliance & other Business Areas- Leveraging
our partnerships with technology experts & specialists

The firm’s name, reflects both the founder’s personal commitment and a professional approach
to service delivery.

What differentiates us from others

Personalized Expert Involvement

Our consultants, former leaders of major business functions with over 30 years of specialized experience, personally handle your tasks. They take full responsibility
for end-to-end delivery and oversee a carefully selected team of specialists, contracted specifically for their proven expertise.

Our streamlined organization and efficient cost structure enable us to deliver best-in-class services while optimizing costs for our clients.

We focus on automation and industry-leading technology (including Artificial Intelligence (AI) tools) to minimize manual effort and resources.

We understand that every growing business must adapt and evolve to meet dynamic customer expectations. Our solutions are modular, ensuring seamless
integration and alignment with ever-changing requirements.

Our recommendations go beyond addressing immediate challenges—they target root causes to deliver sustainable results. We focus on improving frameworks and
systems that empower long-term success and resilience.

Our Partnership Model Leverages the capabilities of other technology experts & specialists

Responsive Partnership Model
Technology Partners
Collaboration with Technology Experts & Specialists
+
Z S MERCHANT & CO
Execution & Delivery of Innovative Solutions
Clients
Accelerated Growth & Business Improvement

Our Founder

Zarsis Merchant

Chartered Accountant with extensive senior-level experience in Internal Audit, Governance, Risk Management, and Compliance with Citibank NA and Change Et Al Consultancy in Asia. Expert in managing Operational, Compliance, and Credit risks and in establishing robust frameworks, systems, and organizations. Successfully led cross-functional teams on transformative projects and trained diverse, international teams across areas of expertise. Developed and implemented risk strategies for payment digitization, trade blockchain, fintech partnerships, digital assets, and ESG initiatives. He has a track record of deploying AI and ML tools to enhance effectiveness. Creator of a proprietary 4-Dimensional Model to evaluate risks and controls, driving actionable insights for improvement.

Our Advisor

Balaji Katakam

Chartered Accountant with 20+ years of experience was until recently Head of Citibank Asia
Transaction Services Financial Crime Risk.He has deep expertise in assessing and mitigating
Financial Crime Risk for Payment & Trade Finance products including Payment Intermediaries/
Fintech. He lead the cross functional team on how changes to the Sanction regimes like during
Russia/ Ukraine conflict need to be interpreted and implemented immediately.

Our Consultants

To be announced soon

Our Technology Partners

To be announced soon