Shivani Rani

Independently execute end-to-end audits of branch banking operations, including Cash Management and Clearing processes, to identify operational leakage and control gaps. Extract and sample data from the core banking system to identify exceptions in line with audit checklists, and perform root cause analysis to map observations to remediation. Conduct audit testing for AML/KYC protocols and account opening records for regulatory compliance, and review transaction patterns for anomalies. Draft audit reports and executive summaries translating evidence into independent opinions for senior/executive management, and track issue closure to completion. Perform data reconciliation in Excel and use core system tools (e.g., Finacle CBS) for audit deep-dives.

Performed financial spreading and ratio analysis on audited/unaudited statements to assess borrower solvency and credit risk ahead of loan disbursement decisions. Managed documentation governance for lending instruments (GSA, Guarantees, BFA), ensuring 100% adherence to risk policy. Conducted forensic review of title deeds against mortgage applications to verify clean legal and collateral standing. Earned Best Performer (Q1 2023–24) for 100% accuracy in loan documentation supporting timely disbursements.

Conducted risk-based internal audits (RBIA) of high-risk transaction cycles against RBI regulatory mandates and covered assigned branches independently. Used Finacle CBS to scrutinize customer transaction patterns, detect anomalies, and escalate issues. Performed monthly on-site branch assessments including physical security and cash management compliance, and discussed observations directly with branch management. Supported remediation by advising senior management on protocols and following up to ensure sustained closure of audit issues.