Data Analyst Risk Management
Resume:
Data Analyst, Audits and Banker
Shobha C E
DOB : 19-07-1973
Marital Status : Married
Communication : English, Kannada and Hindi
Objective
A challenging position in the field of Banking / Accounting; in look out for opportunities in Information System Auditing and Risk Management Compliances allowing me to utilize and show the skills that I have gathered and put them into effective use. I carry 20+ years of experience in the Banking Industry working in different verticals.
Experience
December 2022 – Current
Business Analyst - Intellectual Info Solutions Pvt. Ltd, Bangalore Responsibilities
Working with associates keen to implement Risk Management and to develop an in- depth understanding of the Risks & Controls Compliances across all the banking domain Software Application and plug the gaps,
Conduct discussion with Team Leads and Managers for identifying risks and level of risks, reviews and bring in practices to understand operational process Issues and associated risks.
Understanding the needs of the Banking Clients and educating the development team to structure the developmental cycle as per the specifications,
Set Control Testing Process in place as part of the organizations internal control system, where they regularly evaluate the design and check effectiveness of their internal controls to identify potential weaknesses and mitigate risks, with the assistance of periodic internal audits as mandated by the Reserve Bank of India (RBI). Identify weaknesses in the controls and provide appropriate observations for improvement in the overall control
Used Semi CAAT techniques along with Manual Test processes
Implemented BASEL III requirements
Implemented Internal Control Framework using – Monitoring, Control Activities, Risk Assessment and Control Environment processes
Informing management to prioritize control testing in high-risk areas of their operations based on a risk assessment
Test controls related to Anti-Money Laundering (AML), Know Your Customer (KYC), and other compliance areas.
Conduct walkthroughs and detailed testing of processes, systems, and controls.
Document findings and provide recommendations for improvement. Identify inefficiencies in workflows or gaps in control mechanisms.
Propose solutions to enhance process effectiveness and control reliability.
Ensures adherence to regulatory requirements and internal policies of the Banking Segment, Maintain a repository of test cases, results, and follow-up actions.
MIS Reports and Dashboard access to indicate test results for management
Coordinating with the team by scheduling the training for the new joiner
Provide advice on Financial Projects and perform Financial Analysis
Provide Data to team to evaluate risk to the Bank as per RBI Norms
Working knowledge of End-to-end control testing in Banking Industry of operational risk management and compliance (process design and performance, risk review practices, audit processes, banking systems) and AML/KYC (onboarding, CDD and EDD), Financial crime
Keep track of all open audit findings and ensure timely closure by the respective business functions
Developing and maintaining the training schedules and training documents as per the latest updates
Developed Process Documentation.
Preparing Monthly Business Review Decks.
Conducting Error analysis, Knowledge sharing and Refresher session.
Providing floor support to the team members on the process queries. Dec 2015 – July 2019
Senior Assistant – Ashoknagar Co-Operative Bank, Hanumantnagar Responsibilities:
Stage 2
Set Control Testing Process in place as part of the organizations internal control system, where they regularly evaluate the design and check effectiveness of their internal controls to identify potential weaknesses and mitigate risks, with the assistance of periodic internal audits as mandated by the Reserve Bank of India (RBI). Identify weaknesses in the controls and provide appropriate observations for improvement in the overall control
Used Semi CAAT techniques along with Manual Test processes
Implemented BASEL III requirements
Implemented Internal Control Framework using – Monitoring, Control Activities, Risk Assessment and Control Environment processes
Informing management to prioritize control testing in high-risk areas of their operations based on a risk assessment
Test controls related to Anti-Money Laundering (AML), Know Your Customer (KYC), and other compliance areas.
Conduct walkthroughs and detailed testing of processes, systems, and controls.
Document findings and provide recommendations for improvement. Identify inefficiencies in workflows or gaps in control mechanisms.
Propose solutions to enhance process effectiveness and control reliability.
Plan and execute testing /monitoring reviews to evaluate design and operating effectiveness of controls over local unit’s adherence to regulations & bank’s policies with regard to core regulatory (non-financial crime) compliance topics.
Drive issue discussions with key the Board of Directors
Prepare issue reports, summarizing the findings, root cause and propose action plans to remediate the issue.
Implemented BASEL III requirements
The audit procedure had the following factors being followed – Inspection, Observation, Conformation, Recalculation, Re-performance, Analysis and Inquiry.
Worked and Implemented AML (Anti Money Laundering) and KYC Data Privacy and Information Security practices.
Used QC and QA assessments in AML
Handling RBI Inspection and Statutory Audits as per the acts and Norms.
Conduct validation of Bank Action Plans in connection with review findings. Stage 1
Was in-charge of Daily reconciliations of FO and BO
Daily reconciliation of custodian/PDO statements with the books of account
Evaluate the reliability and accuracy of the financial records and reports
Handled all kinds of work in a Banking environment right from counter transactions including Clearing to RBI Statutory Reporting, RBI Audits and MIS Reporting.
Asset Liability Management (ALM) and processes involved
Monitor the bank's Non-Performing Assets (NPA) and alert management when required
Adhering and Implementing KYC Guidelines and Checks, Handling Internal Control and Audits.
Support general compliance activities, duties, Including day to day activities as assigned
Verification of Loan Application Scrutiny, getting the manager approval with loan section comments and notes as per the norms of Loan Department, Loan Disbursement with Department Approvals
Evaluated Credit worthiness, Loan Application Document Processes and Final Disbursal Processes
Scrutinizing Income Statement of the Borrower, Bank Statement of the Borrower, Guarantor Documents
As a Loan Underwriter reviewing borrowers financial profile and credit history
Bring to notice of the Manager about the GBM schedule of the Bank norms of Co- Operative Societies and section of 27(1) about the topics of discussion
Funds investment of the Bank as per the Surplus availability after bringing it to the notice of the Manager and Approval
Working knowledge and control over Cash Receipts, Deposits and Disbursements
The scheduled Interest Rate of the Bank, to get approval for the same by the Manager as per the mandate received by the Governing Body of the Bank, RBI and Co-Operative Society and the same to be implemented
Additional Responsibilities
Design and Implement the Bye Law Co-Operative Societies rules as per the instructions of the President and the Manager
Had the responsibility to take care of the Banks Safe Room
Verify that financial statements are accurate and free from material misstatement April 2002 – September 2013
Accountant / Asst. Manager - Chikamagalur Jilla Mahila Co-Operative Bank Responsibilities:
Handled all kinds of work in a Banking environment right from counter transactions including Clearing to RBI Statutory Reporting, RBI Audits and MIS Reporting.
Asset Liability Management (ALM) and processes involved
Monitor the bank's Non-Performing Assets (NPA) and alert management when required
Adhering and Implementing KYC Guidelines and Checks, Handling Internal Control and Audits.
Support general compliance activities, duties, Including day to day activities as assigned
Handling RBI Inspection and Statutory Audits as per the acts and Norms.
The audit procedure had the following factors being followed – Inspection, Observation, Conformation, Recalculation, Re-performance, Analysis and Inquiry.
Worked and Implemented AML (Anti Money Laundering) and KYC Data Privacy and Information Security practices.
Used QC and QA assessments in AML
Conduct validation of Bank Action Plans in connection with review findings.
Verification of Loan Application Scrutiny, getting the manager approval with loan section comments and notes as per the norms of Loan Department, Loan Disbursement with Department Approvals
Evaluated Credit worthiness, Loan Application Document Processes and Final Disbursal Processes
Scrutinizing Income Statement of the Borrower, Bank Statement of the Borrower, Guarantor Documents
As a Loan Underwriter reviewing borrowers financial profile and credit history
Bring to notice of the Manager about the GBM schedule of the Bank norms of Co- Operative Societies and section of 27(1) about the topics of discussion
Funds investment of the Bank as per the Surplus availability after bringing it to the notice of the Manager and Approval
Working knowledge and control over Cash Receipts, Deposits and Disbursements
The scheduled Interest Rate of the Bank, to get approval for the same by the Manager as per the mandate received by the Governing Body of the Bank, RBI and Co-Operative Society and the same to be implemented
Good knowledge in HRMS operations with all entities.
Capable of managing complete Banking operations and Manage the funds
To match the Computerized Account with Manual Account statement on a Day to Day basis.
Initiating Loan Recovery process per the Governing Laws
Random checks of accounts such as Pigmy Account, inform the manager in case of any discrepancy
To take responsibility of the Deposits, Loan, Investments, Planning and Development, Clearing and Accounts Departments.
Collaborate with relevant authorities across the Bank Branches on enhancement of Monitoring methodologies.
Plan and execute testing /monitoring reviews to evaluate design and operating effectiveness of controls over local unit’s adherence to regulations & bank’s policies with regard to core regulatory (non-financial crime) compliance topics.
Drive issue discussions with key the Board of Directors
Prepare issue reports, summarizing the findings, root cause and propose action plans to remediate the issue.
Implemented BASEL III requirements
Was in-charge of Daily reconciliations of FO and BO
Daily reconciliation of custodian/PDO statements with the books of account
Evaluate the reliability and accuracy of the financial records and reports Additional Responsibilities
Design and Implement the Bye Law Co-Operative Societies rules as per the instructions of the President and the Manager
Being in the post of Accountant / Asst. Manager, to handle the Banks day to day activities in absence of the Manager
Had the responsibility to take care of the Banks Safe Room and being the joint custodian of the Cash Box with Cashier
Verify that financial statements are accurate and free from material misstatement Education
MBA Finance
Dipl. In Co-Operative
Banking
M.Phil
M.Sc.
Dipl. In Office Automation
Skills
Banking System
Asset Liability Management
Data Analyst
Risk Management and
Compliance
Internal Controls & Internal
Audit / Statutory Audit / RBI
Inspection, Dept. Inspection
UI Sequence Testing
Strengths
Fast Learner
Positive Attitude
In-depth Industry
Knowledge
Believer in “Never Say
Never”
Team Player
Contact
F003, Saket Hillside, Dattatreya
Layout, Hosakerehalli,
Banashankari 3rd Stage,
Bangalore-560085
***********@*****.***
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