Shraddha Tahilramani

• Regulatory Audits: Unauthorized Electronic Banking Transactions, Cash out in ATMs, ATM Failed transactions review
• Audit of business functions: Debit Card Product, ATM Product, Full Fledged Money Exchanger (FFMC), Dashboard monitoring
• Process Audits: Regional ATM Operations, Payment Operations, AML Monitoring
• Audit of control functions: HR - Learning and Development, Spot audits of vendors, Vault Visits

HDFC Bank - Work lead

Manager - Sep 2019 to May 2022

Senior Manager - June 2022 till date

• Lead planned audits as per the defined audit calendar, organizing teams and delegation of audit areas to team members.
• Evaluate the risk control matrix approved and test the efficacy and efficiency.
• Preparing audit checklist, scoping the audit areas, participate in audit walkthroughs and assess the internal control environment.
• Audit sampling as per the extant SAPs and internal controls.
• Review and analyze reports & MIS with an objective to identify / highlight areas of risk.
• Draft the audit report and communicate / report on the effectiveness of the governance, risk management and controls that mitigate current and evolving risk
• Discuss key points with stakeholders with an objective to ensure acceptance and compliance of all audit observations.
• Raise awareness of control risk and assess conduct culture and conduct risks.
• Monitors management implementation of control measures.
• Opinion formation / assign audit rating - based on a risk-based scoring methodology.
• Compliance review post audit and tracking of open actionable as per defined TAT.
• Monitoring of key performance indicators / governance reporting at quarterly periodicity to the audit committee.
• Provided strong leadership to enhance team productivity and morale.
• Improved team performance by providing comprehensive training and fostering a collaborative work environment.
• Mentored junior staff members for skill development and career progression within the organization.
• Demonstrated exceptional adaptability in navigating complex situations or rapidly changing environments with ease.
• Streamlined internal processes for financial reporting, ensuring accuracy and compliance with regulatory standards.

• Electronic Payments, Physical Payments (Cash Management Services - CMS)
• Trade Finance Operations
• Asset Reconstruction Division
• Wholesale Banking Service Solutions
• Special Assignment Demonetization, Usage of SWIFT messages within the Bank, Exposure of Corporates and InterBanks

Kotak Mahindra Bank – Statutory Audit

• Limited review for the quarter ended December 2015, Internal Controls and Financial Reporting

• Statutory Audit - Abu Dhabi Commercial Bank, Shinhan Bank
• Concurrent Audit - SBI DFHI (India's leading Primary Dealer in G-sec market)
• Internal Audit - 1 branch of Saraswat Bank