Karuna Tiwari
Ulhasnagar Kalyan
Summary
- Experience with 5+ years in Branch Operations of Stock Holding Corporation of India Limited (SHCIL).
- Demonstrated business acumen in managing all assigned operations, effectively discharging functions, and achieving higher rate profitability.
- Ability to interact with senior management on a regular basis and work independently or with minimal supervision.
- Worked closely with all stakeholders including customers, senior management, corporate office, and auditors. Analytical, problem-solving & decision-making skills and performing multiple tasks in a fast-paced, team environment.
Overview
7
7
years of professional experience
Work History
Assistant Manager - Audit, Inspection & Compliance
CENTRAL DEPOSITORY SERVICES (INDIA) LIMITED (CDSL)
Mumbai, India
09.2024 - 06.2025
- Ensured compliance with SEBI’s circulars and PAN deactivation protocols, coordinating with internal teams to meet regulatory timelines.
- Collaborated with MIIs (NSE, BSE, MSEI, NSDL) for smooth execution of PAN deactivation processes and maintained communication with market participants.
- Generated and tracked reports on DIS follow-ups, penalties, and maintained records of non-compliance for audits and inspections.
- Conduct thorough inspections of internal audit reports for Depository Participants (DPs) and Registrar and Transfer agents (RTAs).
- Conducted inspections to ensure adherence to regulatory standards.
- Trained and mentored new team members and internal staff on PAN deactivation, DIS follow-ups, and penalty processes.
- Conducted Due Diligence and DP Inspection of SBICap Securities Ltd with meticulous attention to detail and compliance standards.
Executive (DP Operations and Retail Management)
Stock Holding Corporation of India (SHCIL)
10.2018 - 04.2024
- Managing customer centric operations & ensuring customer satisfaction by achieving service quality norms like daily trading and settlement
- Maintaining healthy relationship with internal and external clients
- Adhering with the compliance, policy and processes set by corporate office and regulators
- Co-ordination with the Corporate office, NSE, BSE, NSDL and CDSL
- Expertise in the requirements of Know Your Customer (KYC) for KRA, CKYCR and Insurance Repositories
- Checker role for verifying documents received from account opening team
- Training on KYC requirements or changes in the requirements to account opening team
- Presentation-cum-training to customers on web trading, mobile trading and pledging of shares
- Analyzing market conditions, product details, procedures, and update clients on a regular basis
- Preparing report/ MIS and present to senior management
- Co-ordination with Internal Auditors and assisting them for required information
- Co-ordination and liaising with subsidiaries of SHCIL (SHCIL Services Limited and SHCIL Document Management Limited) for cross selling of their products
- Opening of Foreign Body Corporate, NRI-PIS Accounts & Foreign National Accounts by following up with FPI & FDI team.
Education
M.COM in Business Management, First Class -
University of Mumbai
01.2020
Bachelor of Management Studies, First class -
University of Mumbai
01.2018
Higher Secondary, First Class -
University of Mumbai
01.2015
Diploma in Financial Accounting -
01.2011
MS-IT in Computers -
01.2011
NISM Exams (Depository Participant, Derivatives, Mutual Fund, SORM) -
Wealth Management Exam (Basic Course) -
Skills
- Business Development
- Operations Management
- Budget Management
- Strategic Planning
- Entrepreneurial Spirit
- Stakeholder Management
- MIS Reporting
- Pro-active
- Vendor Sourcing & Negotiating
- Technical Aptitude
- Communication & Presentation
- Trainings & Seminars
- MS Office
Additional Qualification
- 2011, Diploma in Financial Accounting
- 2011, MS-IT in Computers
- 2019-20, NISM Exams (Depository Participant, Derivatives, Mutual Fund, SORM)
- 2021-22, Wealth Management Exam (Basic Course)
Personal Information
Marital status: Married
Language Proficiency
- English
- Hindi
- Marathi
Professional Profile
I am a dedicated, detail-oriented professional with extensive experience in the Audit, Inspection, and Compliance sector within the financial services industry. Throughout my career, I have consistently focused on ensuring strict regulatory compliance, executing comprehensive internal audits, and implementing effective risk management strategies. I am skilled at identifying operational inefficiencies, mitigating risks, and driving continuous improvement to safeguard organizational integrity and uphold industry standards.
Timeline
Assistant Manager - Audit, Inspection & Compliance
CENTRAL DEPOSITORY SERVICES (INDIA) LIMITED (CDSL)
09.2024 - 06.2025
Executive (DP Operations and Retail Management)
Stock Holding Corporation of India (SHCIL)
10.2018 - 04.2024
M.COM in Business Management, First Class -
University of Mumbai
Bachelor of Management Studies, First class -
University of Mumbai
Higher Secondary, First Class -
University of Mumbai