CPA, MBA, CRCM, CAMS, CISA Managing Director at The Mercadien Group, Principal at Mercadien P.C., Certified Public Accountants
Financial Institutions, Internal Audit
Raji Sathappan has a clear passion for banking which shows through her energy and drive as a Managing Director in Mercadien’s Financial Institutions Services Group. She is no stranger to the stage, hosting and speaking at a variety of local and national seminars on hot topics such as compliance, internal controls and enterprise risk. A sought-after expert in her field, she has given numerous presentations to various organizations, including the American and New Jersey Bankers Associations, Financial Managers Society, and Central New Jersey Compliance Group. Raji loves meeting new people and building lasting relationships. She believes in being flexible and working with her clients, but always acting as a sounding board is imperative.
Raji’s clients really lean on her for all their needs. She lends an ear to listen, serves as a problem solver, and is considered a trusted advisor. She makes herself available to her clients any time of day or night, acting as their help desk. She tells her clients, “Call me any time day or night, I’m here for you.”
She manages engagements for the firm’s banking team, primarily overseeing all aspects of internal audits, compliance consulting, SOX and FDICIA implementation, information technology reviews and the implementation of remediation activities for commercial and community bank clients. Raji’s broad base of industry and technical experience allows her to service her clients to the best of her ability in order to be compliant. She is proficient in all operational audits including deposit, lending, accounting/finance, branch and IT operations.
Prior to working with Mercadien, Raji was a senior compliance, audit and risk management executive at several international banks and companies, including TD Bank, a PricewaterhouseCoopers unit, American Express, Arthur Andersen and AT&T. She has been instrumental in creating and implementing quality processes to track, report and remediate findings in all platforms and developing consumer compliance risk management frameworks and risk-assessed monitoring programs; has led audit teams on all aspects of audits; created and implemented SOX controls and processes; and performed internal audits, financial analyses, and SOX documentation.
Personal Fact: Raji boasts an international experience, working in five different countries. She is fluent in various languages, including Tamil, Malay, and Indonesian. Raji enjoys spending time with her husband and son, cooking, reading, and traveling, especially when visiting family in Malaysia. Raji’s personal motto is “Carpe Diem,” Latin for “Seize the Day,” a phrase made popular by actor Robin Williams in the movie, Dead Poets Society.
Raji Sathappan Featured in ICBA Independent Banker Magazine
Raji Sathappan, CPA, MBA, CRCM, CAMS Managing Director with Mercadien, was featured in the October issue of the Independent Community Bankers of America’s (ICBA) Independent Banker Magazine. The article is titled, “Compliance Challenges for Commercial Lenders” by Beth Mattson-Teig, and discusses how in order to make sure your community bank’s commercial loans are compliant, it…Read More
Contact Us for PPP Loan Forgiveness Processing Assistance
Mercadien is ready to assist you in facilitating the CARES Act Paycheck Protection Program (PPP) loan forgiveness processing. The SBA stated that Lenders are expected to perform a good-faith review, in a reasonable time, of the borrower’s calculations and supporting documents concerning amounts eligible for loan forgiveness. If the lender identifies errors in the borrower’s…Read More
SBA Awards $20 Million Contract to Mercadien JV for Risk Mgmt. of 504 Loans
The Mercadien Group is pleased to announce that its affiliate company, Kingstonville-Mercadien JV, LLC, has been awarded a five-year contract with the U.S. Small Business Administration (SBA) to provide risk-based review and risk oversight support services for the Certified Development Company (CDC)/504 Loan Program, administered through the Offices of Capital Access and Credit Risk Management.…Read More