About Me

Chairman of Digital Security Association of India

Treasurer-Trustee, Digital Journalists Association of India
Secretary - Melvis Jones Lions Memorial Trust, Kovilambakkam
Editor - PreSense, India's pioneering monthly e-magazine

Cyber Law Consultant offering consultancy on I.T. Act and Information Systems Security Good exposure in Banking Law and Practice, Information Technology Law and Management Handled many cases involving cyber crimes in electronic delivery channels in Banks like ATM’s, Credit/Debit Cards, e-Banking etc. 

Addressed various seminars and workshop and contributed articles on these issues.

Basically a Post Graduate in Commerce and Hindi Literature with C.A.I.I.B. in 1979. Passed B.L. Evening from Law College Madras in 1997. Passionate in knowing about cyber crime, joined a Diploma Course in Information Technology Law and Management conducted by S.I.S.I. Govt of India. Completed Certificate Course in Information System Banker and Diploma in Banking Technology (theory part with the project work incomplete) both conducted by Indian Institute of Banking and Finance, Mumbai. Passed a Cyber Crime Investigator Test conducted by IDRBT in association with Directorate of Forensic Sciences, Ministry of Home Affairs, Govt of India. Passed CISP of STQC Dept of I.T. Ministry of I.T. Govt of India. Lead Auditor in ISO 9001:2000 standards and in ISO 27001 ISMS.


Institutional Interaction

A consultant on Information Security, ISO Documentation, and Banking Technology to firms and companies in Chennai and Bengaluru. Attended many workshops, training programmes and conferences of FICCI, CII, Computer Society of India, DSCI etc in Chennai and Bengaluru on areas concerning Banking Technology, Cyber Crimes, Security Concerns in ATM’s, Credit Cards and e-Banking etc. Attended a Workshop on Cyber Crimes conducted by Institute of Criminological Research in 2002 which sparked off my passion in the field of cyber crimes, computer frauds. Attended a training on Information Security and Information Audit conducted by IDRBT in 2002 and a Cyber Crime Investigator Course conducted by IDRBT Hyderabad in association with Home Ministry and a training on Information Audit conducted by National Institute of Banking in Pune. Provided consultancy on areas like Information Security, Banking Technology, I.T.Solutions and ISO documentations as an external consultant to companies including Gemini Communications Ltd Chennai..



Employed in Indian Overseas Bank for 31 years in various capacities ranging from officer to branch manager in the Delhi city branches, and later in Madurai region and Tuticorin regions of the bank. Took Voluntary Retirement as Chief Manager Systems in the Information Technology department of the bank in Chennai in 2008. Was in-charge of some computer operations of the bank especially handling information systems security, information systems audit, ISO documentation, network maintenance and many other projects and activities. Was the Management Representative for ISO certification of the department for about five years and was instrumental in enhancing the quality of ISO documentation in the bank.

Lead Auditor in ISO 9000 and ISO 27001 certifications. Also acquired CISP- STQC from the Dept of I.T., Ministry of Communications.


At Present

Presently serving as an Advocate mainly on cyber law and as consultant on Information Systems Security, ISO audits, cyber law assurance etc. Guest Faculty in Madras University, Indian Institute of Banking and Finance and other academic institutions and staff training colleges of banks and other organisations and Management/Business Schools on topics like Cyber Laws, Banking Products, Security Concerns in ATMs, E-Banking etc. Past President and Chairman of Governing Council of Cyber Society of India in its head office in Chennai. Guest Faculty in Tamil Nadu Police Academy and Police Computer Training Centre, Smot Business School on I.T. Law, I.T. Service Management, Cyber Laws and Finance and Banking for its Management - Business Administration courses with I.T. as specialization.

Authorship ANd Articles

“Security Concerns in electronic delivery channels in Banks” in the Technology Special Issue of Indian Institute of Banking and Finance’s journal “Bank Quest” in its July 2007 issue. Click here for the full text of the article.

Latest Article

ATM Transactions in Banks,
Major Security Concerns

Speaking at a recent function in Hyderabad, the Reserve Bank of India Governor, Dr D. Subbarao, has sounded a warning to bankers highlighting the need to ensure that technology does not become a barrier between customers and bankers. ‘Faceless banking can be intimidating...

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Articles published

“Security Concerns in electronic delivery channels in Banks” in the Technology Special Issue of Indian Institute of Banking and Finance’s journal “Bank Quest” in its July 2007 issue. Click here for the full text of the article.

Published an article in Security Concerns in “CID Reporter” published by the Crime Records Bureau of Tamil Nadu Police on ‘Fraud prone areas in ATM’s and e-Banking’ in Jan 2008.

Interviews have appeared in the Deccan Chronicle on September 18, 2008, in Times of India on 5-12-2009 and on many occasions in VijayTV in its Crime File stories and on quite a few occasions in Sun TV and Jaya TV, Headlines Today and other electronic media.