Senior Audit & FX Treasury Leader with 23+ Years Experience

Work Experience

Provide high-level consultancy to corporate and individual clients on direct/indirect taxation, leveraging 30+ years of expertise to optimize tax structures and ensure statutory compliance. Advise on complex financial reporting and internal audit frameworks, ensuring alignment with current financial standards.

Jul 2019 - Aug 2020

Oct 2008 - May 2019

Chartered Accountant (CA) with 30+ years of high-impact experience in Banking Audit, Treasury Operations, and Foreign Exchange (FX) Management. A strategic leader with a dual-track career: establishing audit frameworks for banking institutions, and directing large-scale treasury operations for major international exchanges in the UAE. Proven expert in managing complex liquidity across 300+ Nostro accounts, ensuring compliance, and mitigating market risk in high-volume remittance environments. Committed to operational excellence, regulatory integrity, and driving financial strategy at the Senior Management level.

Operational Governance: Directed back-office functions for the Dealing Room, ensuring high-fidelity settlement of FX trades and the integrity of the transaction lifecycle. Risk Control: Synchronized real-time market rate feeds with branch operations and monitored liquidity positions to maintain seamless global remittance services.

FX Exposure & Risk Mitigation: Orchestrated the real-time covering of foreign exchange exposure by executing strategic deals with correspondent banks, ensuring optimal value dates and protection against market volatility. Nostro Account Management: Directed the funding and liquidity of 300+ Nostro accounts (including Indian Rupee accounts), meticulously monitoring currency positions and USD requirements to ensure uninterrupted global remittance flows.

Dynamic Pricing Strategy: Managed the real-time dissemination of competitive FX rates across the branch network, balancing market competitiveness with organizational margin goals. Regulatory & Audit Governance: Served as the lead liaison for Demand Draft Arrangement (DDA) audits conducted by Indian correspondent banks, ensuring 100% compliance with cross-border remittance regulations. Operational Excellence: Resolved complex remittance hurdles and transactional discrepancies, maintaining high- level relationships with global correspondent banks to ensure seamless execution of customer fund transfers. Manager – Treasury & FX Dealings

Manager – Operations

Ramachandran G

Chartered Accountant

Al Rostamani International Exchange(ARIE), Dubai

Bobton IT Solutions Pvt Ltd, Hyderabad

Tax & Financial Consultant Sep 2020 - Present

Private/ Practice

********@*****.*** · +91-770******* · LinkedIn profile Vellore, Tamil Nadu, 632001

Oct 1995 - Sep 2008

Sep 1994 - Aug 1995

May 1994 - Aug 1994

1993 - 1994

1984 - 1992

Gram Vikas - NGO, Bhubaneswar

Shriram Chits And Investments Ltd, Bangalore

Sri Kishen & Co, Coimbatore

Financial Controllership: Directed end-to-end accounting operations, including fund flow management, payroll, and the finalization of annual accounts for statutory audit. Working Capital Optimization: Managed the full cash cycle by streamlining receivables collection and creditor disbursements to maintain healthy organizational liquidity. Regulatory Reporting: Oversaw the submission of MIS and mandatory quarterly/annual regulatory returns, ensuring all payment vouchers met internal control standards. Credit & Asset Quality Audit: Led comprehensive audits of high-value portfolios (Large Corporate, SME, and HNI), evaluating the end-to-end credit lifecycle from appraisal and structuring to documentation and limit setting. Risk & Regulatory Compliance: Assessed asset performance and risk mitigation strategies to ensure strict alignment with RBI guidelines and internal bank policies; introduced "Best Practice" frameworks to optimize credit management processes.

Forex (FX) Operations Audit: Conducted specialized audits of Foreign Exchange operations, ensuring technical compliance with RBI’s FEMA regulations and internal treasury risk mandates. Appointed to execute a high-stakes Management Audit for the Ministry of Finance (India), overseeing the 2008 agricultural debt waiver scheme to ensure statutory integrity in loan settlements. Audit Manager

Audit Manager

Internal Auditor

Accounts Manager

Accounts Manager

ING Vysya Bank Ltd, Bangalore

Kap Steel Ltd, Bangalore,

Managed end-to-end audit lifecycles for a diverse corporate and banking clientele, ensuring rigorous compliance with ICAI standards and the Companies Act.

Spearheaded internal audits across diverse rural development projects to ensure optimal utilization of all types of donor funds.

Directed the recovery and follow-up of receivables, managed branch accounts and cash flow operations, ensuring accurate reconciliation and compliance with regulatory frameworks. Core Competencies

Banking Audit & Governance

Operational Risk Management

Cross-Border Remittances

Forex Treasury Management

Nostro Account Management

Financial Controllership

Regulatory Frameworks

Reuters Trading Platform, CBS Adv Excel

Stakeholder Leadership

Strategic & Banking Leadership Treasury & Forex Specialization Technical Proficiency Education

1981 - 1989

Bachelor of Commerce (B Com) University Of Madras, Chennai 1978 - 1981 Chartered Accountant (CA) Institute Of Chartered Accountants Of India

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