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BRIEF OVERVIEW

An ambitious and disciplined person looking to become part of renowned organization where I could get a chance to contribute to the growth and success of the organization with my efforts and intellectual skills and to excel in all assignments that i take up while facing challenging tasks. ACADEMIC CREDENTIALS

Qualified Chartered Accountant in May 2015.

B Com from Mithibai College, Mumbai University in 2011.

HSC from Mithibai College, Maharashtra State Board in 2008 with 77%.

SSC from S.V.E.C, Maharashtra State Board in 2006 with 79%. PROFESSIONAL PROFILE

5.6 years of experience in the internal audit field of banking sector with proven expertise in understanding the treasury operation & processes of the ICICI BANK LTD and HDFC Bank Ltd.

Associated with CA firms including Internship for 5 years and gained inherent knowledge in the field of Financial Accounting, Auditing and Taxation.

PROFESSIONAL EXPOSURE

Post-Qualification experience:

1. Company: HDFC Bank Ltd (2 yrs) (Jan 2019 – Till date) Profile: Retail Branch banking (Manager)

Relocated and joined with retail branch banking department at surat as a supervisory role since last 11 Month. Profile: Treasury Audit (Manager) (1 yr)

Key Accomplishments:

Independently handed concurrent audit for Treasury operation such as Investment in Equity shares, Money Market operation and Constituent Subsidiary General Ledger (CSGL).

Prepared draft audit report post discussion with various stake holders on finding such as front office dealers and Middle office and back office etc.

Concluded final Audit report carried out on the basis of Circulars and process notes issued and weighted by RBI, internal team and other body as suggested by regulator. 2. Company: ICICI Bank Ltd (3.4 years) (Aug 2015 – Jan 2019) Profile: Internal Audit Treasury (Deputy Manager)

Key Accomplishments:

Prepared scope, checklist, drafting of audit reports and audit findings /observation for risk based audit and more over presenting the observations identified to the concerned department and senior managements for concluding the audit.

Liquidity Gap Report, Statement of Interest rate sensitivity, liquidity ratios, Implementation of Behavioral Studies, composition and presentation made to ALCO meetings were verified.

Independently carried out Audit for Sri Lanka Branch covering treasury Front office, Middle and Back office operations.

Independently executed accounting audit of domestic operations to ensure correctness and adequacy of accounting entries passed either manually/automated in the treasury system for fixed income and money market products.

Conducted audits of Treasury operations activities such as deal validation, settlement, confirmation, tracking of underlying documents, deal modification, deal cancellation and back dated deals, Early termination or unwinding of deals, rollover or rebooking, utilization, Limit monitoring & compliance, Novation of contracts for Domestic and Oversea branches.

Monitoring of Cash Reserve Ration (CRR) and Statutory Liquidity Ratio (SLR) maintenance requirement visa-a-visa actual maintenance as per Reserve Bank of India (RBI) ratio.

Reviewed Cash pad preparation process for monitoring position of balances with RBI Current accounts.

Checked compliance of over the counter (OTC) transactions reporting on the various platforms such as FTRAC,NDS, Stock exchange, CCIL.

PURVI PATEL

Address: A/16, Siddharth Nagar Society, Nizampura, Vadodara-390002 Phone: +91-986*******; E-Mail: adl7gd@r.postjobfree.com

Valuation of outstanding investments of treasury product was verified for overseas branches based on valuation methodology as defined.

Checked Reconciliation for Nostro accounts held by bank with overseas correspondent banks in foreign currency at various locations and process of Debit Authority Given (DAG) issuance reviewed.

Verified accuracy, completeness and timely submission of regulatory returns in compliance with RBI guidelines during TCSG compliance audit.

Conducted Rate Scan and Deal size limit audit as per internal Rate Scan policy on forex, derivative and FIMMT products.

Handled audit of Masters and Limit wherein, Masters data created into Treasury systems, Updation and monitoring of counterparty limits were verified.

Reviewed hedge document for verifying outstanding hedge deals entered for hedging underlying exposures and ensured that hedge effectiveness testing was carried out at defined intervals and whether the testing results were effective or not as documented in hedging policy.

Ensured compliance with the process notes, operating guidelines and regulatory requirements issued by RBI, SEBI, FEMA, FEDAI, etc. as the case may be and also domicile country requirements were taken into account. Pre-Qualification experience:

3. Company: CA FIRM (Dec 2013 – Mar 2015)

Designation: Senior Officer

Responsibilities:

Preparation of Tax audit as per 3CA/3CB & 3CD reports of IT Act, 1961, Statutory Audit & SAD Refund Audit.

Finalization of Accounts & preparing financial statement as per Revised Schedule VI.

Computing TDS and Service Tax liabilities on Monthly and Quarterly basis.

Preparing computation of Tax as per MAT & IT provisions and Filling Income Tax Returns of Private Limited Company, Partnership Firms, Proprietorship Business, Individual, Trust.

Assisting in Scrutiny Assessment of clients relating to Income Tax, LBT.

Preparing submissions for assessment, Appearance before Income tax authorities and filing Appeals with CIT & Rectification U/S.154.

Conducting VAT audit for all Assesses & Vat Returns

Compliances with ROC requirements.

4. Company: Nitin M Mehta & Associates (Aug 2008 –Feb 2012) Designation: Article Assistant

Accounting;

Assisting in Finalization of Books of Accounts, Notes to accounts, as per Accounting Standards & Companies Act,

Assistance for making provisions for expenses at period end.

Preparation of financial statements from the books of accounts and Valuations of Inventory & Stock Analysis.

Verifying the Daily accounting entries done in Tally Version 7.2 & ERP and performing bank reconciliation.

Accounting of shares & securities, Construction firms, Safe deposit vault. Taxation;

Preparation and Filing of Income Tax, service tax and TDS return of Private Ltd Companies, Partnership firms, Individuals, Co-operative Societies etc. as per Income Tax Act, 1961.

Computation and timely deposit of Income tax, service tax and TDS liability

Assisting in preparing Tax audit reports 3CA/3CB & 3CD as per S.44AB, IT Act 1961. Auditing:

Preparing audit programs in consultation with client & Involved in Statutory audit of various Corporate, Partnership Firms, Trust and Individuals.

Drafting statutory audit reports, including CARO reporting in accordance with standards on auditing, Company Law.

Verification & finalization of financial statements.

Vouching of supporting & ledger scrutiny of account. OTHER INFORMATION

Extracurricular activities include listening to music, outings, exploring new places, dancing and badminton.

Proficiency in MS Office - Word, Excel, Power Point.

Well versed with various treasury systems such as Murex, Finacle, Swift, Metagrid, SAP and other packages like Tally, Winman, Spectrum: income tax, eTDS, eService tax. PERSONAL INFORMATION

Date of Birth: 01st June1990, Languages known: English,Gujarati,Hindi,Marathi. Marital Status: Married

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