Profile Summary
Strategic and results-oriented professional with a strong background in audit, compliance, and operational risk management across dynamic and high-pressure environments. Skilled in streamlining clearing operations, leading cross-functional teams, and implementing process improvements that drive efficiency, reduce risk, and support business objectives. Adept at interpreting and applying complex regulatory requirements to ensure full compliance, while fostering a culture of accountability, continuous improvement, and operational excellence. Known for a proactive approach to problem-solving and the ability to deliver impactful solutions aligned with organizational goals.
Key Skills
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Employment History
Senior Manager (Senior Auditor) at HDFC Bank Ltd.
May, 2018 - Present Noida
- Leading end-to-end internal audit activities across governance, financial reporting, regulatory compliance, IT controls, and operational performance.
- Planning and executing 8–9 risk-based audits per quarter across retail, corporate banking, and support functions, ensuring timely execution.
- Conducting unannounced branch inspections (2–3 quarterly) to assess control effectiveness and reporting findings with optimization proposals.
- Performing forensic reviews of fraud cases and audit irregularities; delivering root cause analyses and recommending mitigation strategies.
- Evaluating internal control systems, identifying risk exposures, and recommending risk response actions with ongoing follow-up audits.
- Implementing branch monitoring measures such as surprise cash audits, stock verification, and transaction surveillance in customer/GL accounts.
- Identifying revenue leakages, analyzing operational inefficiencies, and recommending automation and control enhancements.
- Developing audit scoring tools based on observation criticality and presenting closure reports with actionable insights to senior management.
- Collaborating with cross-functional teams including Risk, Compliance, and IT to align audit objectives with enterprise risk management and regulatory expectations.
- Training and mentoring junior auditors by reviewing working papers, ensuring adherence to audit methodology, and enhancing audit quality across engagements.
Clearing Team Leader at Kotak Mahindra Bank Ltd.
November, 2014 - May, 2018 Noida
- Performed signature verification for high-value instruments in CTS inward and conducted cheque validation in outward clearing operations.
- Handled inward file processing, transaction creation/modification, return flagging, claim initiation, and recovery tracking.
- Coordinated with the clearinghouse, resolved discrepancies, managed account reconciliation, and generated MIS reports.
- Ensured timely cheque collection from branches/drop boxes, conducted VSoft data input, and verified batches in Finacle.
- Processed cheque encoding, return item dispatch, and resolved exceptions in outward clearing with accurate reconciliation.
- Executed time-sensitive NEFT/RTGS fund transfers for corporate and CMS clients, ensuring compliance and accuracy.
- Supervised day-to-day clearing team operations, ensured adherence to TAT/SLAs, and provided training for process improvements and compliance readiness.
- Collaborated with cross-functional teams and regulatory bodies during audits and inspections, ensuring seamless documentation and zero non-compliance findings.
- Led clearing operations, ensured TAT/SLA compliance, and trained team for process and audit readiness.
- Coordinated with internal teams and regulators during audits, ensuring accurate documentation and compliance.
Senior Officer at Yes Bank Ltd.
April, 2013 - November, 2014 Gurgaon
- Executed cheque processing by crediting beneficiary accounts, initiating CTS clearing, and ensuring batch-level accuracy.
- Performed amount validation and exception handling for image-rejected instruments to maintain transaction integrity.
- Managed cheque return entries and debit adjustments in adherence to RBI regulatory norms.
- Conducted reconciliation of suspense, payable, and receivable accounts to ensure accurate financial reporting.
- Generated, validated, and maintained General Ledger (GL) and Bank Journal Reports (BJR) in alignment with audit protocols.
- Processed high-value NEFT and RTGS transactions for corporate and CMS clients; resolved discrepancies in deposit documentation.
Senior Officer at HDFC Bank Ltd.
August, 2008 - March, 2013 Noida
- Executed same-day processing of intra-bank cheque transactions, ensuring compliance and operational efficiency.
- Prepared and analyzed daily MIS dashboards and monthly team performance reports for management insights.
- Reconciled daily financial entries and validated account balances to maintain ledger accuracy and audit readiness.
Education
Master Degree (Business Administration - Banking & Finance)
MD university Rohtak
2011
Bachelor Degree (Science - IT)
Kuvempu University
2008
TRILOK CHAND
Basic Details
Gender -
Male
Languages
English
Hindi
Skills
MS Office - Word, Excel, PowerPoint, Outlook