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    <title>Strengthening Customer Grievance Redress: The Role of the Internal Ombudsman - Keynote address by Shri Swaminathan J, Deputy Governor at the Internal Ombudsman Conference organised by the RBI in Mumbai on July 13, 2026</title>
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    <description>Internal Ombudsmen should independently review qualifying customer grievances to ensure fair, reasonable and timely internal resolution rather than mechanically affirming earlier decisions. Regulated entities should prevent eligible complaints from bypassing Internal Ombudsman review and should assess redress by the quality, transparency and fairness of outcomes, not merely complaint closure. Complaint patterns should be used for root cause analysis and institutional improvements, with Boards and senior management empowering Internal Ombudsmen and treating complaint trends as early-warning information. Technology may support analytics and faster processes but cannot replace judgment, empathy and impartiality.</description>
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