Harrel Clarence D'silva
Senior Auditor
Navi Mumbai
Summary
Experienced professional with 8+ years of comprehensive background in banking operations and 1.5+ years in internal audit. Proven track record in conducting thorough audits, ensuring compliance with regulatory standards, and implementing robust internal controls. Skilled in analyzing financial data, identifying risks, and recommending process improvements to enhance operational efficiency. Strong interpersonal and communication skills, adept at collaborating with cross-functional teams and providing strategic guidance to senior management. Seeking to leverage expertise in audit and banking operations to contribute effectively
Overview
10
10
years of professional experience
7
7
years of post-secondary education
1
1
Certification
3
3
Languages
Work History
Senior Auditor - Centralised Dept. Audit
HDFC Bank
9 2022 - Current
- As part of centralised departmental audit, assisted and performed regular audits of various departments, viz. Payment operations, Fixed assets, AML, HR units for processes to ensure compliance with regulatory standards and internal policies
- Evaluated the effectiveness of internal controls and recommending improvements by testing TOD & TOE controls as part of SOX audit for payment operations & fixed assets
- Performed UAT testing for VBMS application as part of payment operations audit.
Senior Associate
Citizencredit Co-op Bank Ltd
07.2014 - 09.2022
- On-boarded new CASA accounts & ensured smooth processing of the same.
- Processed Payments, viz. NEFT / RTGS, ECS, NACH, o/w cheque clearing.
- Performed duties in accordance with applicable standards, policies and regulatory guidelines.
- Ensured adequate amount of cash is available for daily operations
- Reconciled pending pay-orders at branch level.
- Monitored suspicious transactions at branch level in FINAML (False positives / Mark for disclosure).
- Processed Housing, Personal & Gold loan proposals.
- Generated Individual reports in a timely & effective manner.
- Processed the creation, modification & satisfaction request on the CERSAI portal.
- Analysed and followed up with branches on probable NPA's for the month.
- Created spreadsheets using Microsoft Excel for daily, weekly and monthly reporting.
- Assisted the Advances & Audit department for RBI Audit reporting.
- Assisted Legal Manager- Group Office in retention of documents at CAO.
- Demonstrated respect, friendliness and willingness to help wherever needed.
Education
Financial Management - Master of Financial Management
IES Management College And Research Centre
Mumbai 07.2017 - 05.2021
Bachelor of Commerce (Bcom) -
St Andrew's College of Arts, Science & Commerce
Mumbai 07.2010 - 05.2013
Skills
Internal Audit
Banking operations
Customer assistance
Cash handling and management
Compliance, banking laws and regulations
Conflict resolution
High attention to detail
Critical thinking
Certification
JAIIB & Certificate in AML & KYC from IIBF
Timeline
Financial Management - Master of Financial Management
IES Management College And Research Centre
07.2017 - 05.2021
Senior Associate
Citizencredit Co-op Bank Ltd
07.2014 - 09.2022
Bachelor of Commerce (Bcom) -
St Andrew's College of Arts, Science & Commerce
07.2010 - 05.2013
Senior Auditor - Centralised Dept. Audit
HDFC Bank
9 2022 - Current
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