Ritu Perwani

Regulatory Reporting

• Skilled in measurement , validation and monitoring of Counterparty credit risk metrics by ensuring adherence to Basel norms for US FED regulator.
• Performed EAD & RWA calculations and handling timely production of RWA for Default Fund contribution as per SA-CCR methodology.
• Worked in 2nd LOD design & execution of controls (SOX & Non SOX) supporting the critical Regulatory Reports.
• Analyzing weekly, monthly, and quarterly RWA movements at cluster/ counterparty level provided effective narratives on movements.
• Assisted on the production, review and analysis of BASEL Capital Adequacy regulatory process controlling & reporting.
• Developed and maintained comprehensive documentation of reporting procedures, controls, and methodologies, ensuring consistency and compliance with internal controls.
• Assisting in regulatory audits/ inspection related to Counterparty Credit Risk and providing necessary explanation and support during these examinations.
• Understanding data flow to articulate gaps to monitor and track issues ensuring timely and appropriate resolutions.
• Gathered understanding on Basel III framework and other Pillar 3 reportings.

Statutory Audit

• Part of Revenue Audit team at Tech Mahindra to perfrom end to end testing across distinct revenue generating contracts,understanding and reviewing MSAs, including interaction with top management on pricing policies and structures.
• Performed walkthrough & TOE for all controls that were falling in RCM of client for major areas like payroll.
• Worked on JE routines with multiple attributes to identify suspicious transactions if any with risk of fraud.
• Interacted with top management core teams & independently to resolve audit related queries.

• Part of Statutory audit team to perform end to end testing on borrowings, operating expenses and fixed assets
• Team leader in Concurrent Audit of UCO and Oriental Bank
• Handled Audit Assignments under various statutory acts of Firms, Companies and Individuals engaged in Manufacturing and Trading concerns
• Interacted with key client management to resolve audit-related problems and make recommendation for business and process improvements
• Assisted in Indirect Tax Filing (GSTR-1 & GSTR 3B) and Reconciliation
• Preparation of Computation of Income and filing of Income Tax Returns of Individuals, Partnership firms and Companies
• Liasioning of project finance involving preparation of project reports for disbursement of sanctioned loans
• Arrangement of working capital finance for traders, manufacturers involving preparation and projection of CMA Data, Ratio analysis, bank's appraisal preparation and queries solutions.

• Accounts Preparation, Reconciliation & Analysis of Draft Financial Statement of Companies
• Assisted Internal Audit team in conducting Internal audit of Hyundai (Automobile dealers)
• Conducted Stock Audit of Toyota Automobile parts dealers & distributors
• Handled Representation before the Income Tax Officer
• Preparation of Computation of Income and filing of Income Tax Returns of Individuals, Partnership firms.