1. Khushboo Jain
Mobile. No: +91- 8826064949
E-mail: khushi1029@gmail.com
 Master in Business (MBA) -Finance
Symbiosis Centre for Distance Learning (SCDL)
 Bachelor in Arts - Delhi University
Commercial Mortgage Underwriting, Credit Analysis, Credit Risk, Credit Control, Credit assessment,
Concurrent audits, Internal Audit, Branch audits, Risk Management, Investment audit, Corporate agency
Inspection, KYC Analysis, Due- Diligence, J- Sox Testing, Team Management, Project Management,
Regulatory Compliance, Process Review, OFAC & MOFA Checks, Anti Money Laundering Banks Internal &
RBI Regulatory Compliance, Transaction monitoring, Well versed with Banking process, exposure of big
banks – Citi Bank/Standard Charted/Bank of Tokyo or IMGC.
Haribhakti & Co.LLP Sept’2006 to Till Date
Assistant Manager – Risk & Advisory Services
Key Responsibilities
 Credit assessment, Credit Control, Compliance of credit policies and procedures for assessment.
 Concurrent audits, Internal Audit, Branch audits, Risk Management, Investment audit, Corporate agency
Inspection, KYC Analysis.
 Identifying & analyzing credit feasibility, design review and implementing credit control process
 Underwriting mortgages, Evaluating the financial strength of borrowers to determine risk and repayment
capacity.
 Heading the activities related to internal audit across industries and processes; devising robust controls for
financial reporting's through preparation of SOPs, policy and process manuals
 Collect and analyze data to detect deficient controls, fraud, or non-compliance with laws, regulations, and
management policies.
 Ensuring compliance as per RBI & IRDAetc.
 Compliance of KYC & AML Policy and Procedures, Review of Completeness of KYC documentation, Risk
Categorization, Transaction monitoring in line with Bank’s AML Policy and Procedures.
 Review OFAC/ MOFA, FATCA Checks.
 Review Controls, Risks Identification, Testing of Controls, and Tracking Deficiencies.
 Review of loans underwritten on the basis of deal guidelines.
 Detailed analysis of the loan package to determine if a potential borrower presents an appropriate level of
risk.
 Conducting Tests of Design and Implementation and Operating Effectiveness of Controls.
 Reviewing and developing client's custom control catalogs to ensure alignment of test procedures and control
language to enhance efficiencies in remote execution of test procedures.
 Engagement planning, management, Ensure Compliance with Risk management Strategies
 Assessment of Business and Improve on Efficacy of Internal Controls and Risk Management Oriented Solution
 Prepare detailed reports on audit findings with appropriate root causing and recommendations.
Educational Background
Functional Expertise
Professional Experience

2. Banking Operation:-
 Monitoring credit limits, identifying irregularities and suggest risk mitigation solutions
 Adhering to compliance as per the banking rules, regulations & procedure
 Acting as control point for business specific policies and procedures
 Review and Analysis of daily cash transactions, Review of suspense receipts/ payments, Verification of
deal slips, letter of guarantees, cash verification, and commission recovered as per FEDAI rules.
 Verification of relevant documents pre sanctioning / post sanctioning of Loans, ensuring compliance
with bank's credit policies , export documents, Import document, Letter of Credits, Outward remittances
as Per FEMA Guidelines.
 Review completeness of a client's KYC (Know Your Customers) i.e. documentation/information and
identifying missing documentation , OFAC MOFA Check , Money Laundering, Signature Verification, and
adherence to the KYC and AML Policies & Procedure and Sanction Screenings are strictly implemented.
NBFC Operation:-
 Providing meticulous attention to detail in underwriting mortgages; evaluating the financial strength
of borrowers to determine risk and repayment capacity Communicating credit risk decisions to the
partnering individuals within the company, correspondents, or borrowers.
 Completeness of loan file documents to support decision
 Operations team’s decision practices including approval authority
 Review of notepads of respective underwriters for exception noting and due approvals
 Adherence to IMGC’s approved guidelines and regulatory requirements and operating procedures.
 Data completeness and accuracy (based on underlying source documents)
 Data entering and then validating and assessing an application, to use the credit knowledge to make
a decision regarding the customer's ability to repay the debt.
 Exercise thorough credit worthiness assessment and sound decision-making
 Apply lending/credit policy, product and Mortgage Insurance guidelines, and a high level of
judgment, in assessing applicant's credit worthiness.
 Research customer requests by gathering all relevant information/data, ensuring all available
avenues and sources of information are investigated and all research and investigation is accurately
recorded including supporting evidence and documentation.
 Undertake administrative functions following sound research, investigation and assessment.
Detailed Work Experience

3. Corporate Agency Inspection Audit:-
 Review of Corporate agents strategic and records maintained,
 Onsite visit of corporate agent to verify scope mentioned in the IRDA circular.
 Verification of proposal forms, contracting files, agent’s commission payment to ensure compliance with
provisions of IRDA norms.
J- Sox Testing:-
 Reviewing flowcharts, risk control matrix, testing of design and operational effectiveness as well as
remedial solutions
 Analysis of key controls in various business processes and analysis of design and operational
effectiveness of internal controls embedded in various processes to mitigate risks.
 Adhering to adequate documentation requirements and reporting of any weaknesses in key controls and
prepare results of each process.
Internal Audit:-
Payroll Process
 Review of in house payroll data generation process
 Review of procedures followed by vendor vis-à-vis agreed procedures.
 Overview of the internal controls on outsourcing procedures followed by MCI
 Review of Policy & Procedures.
Fixed Assets Process
 Overview of FA budget process & monitoring mechanism
 Review of procurement to pay cycle
 Review of fixed assets classification & depreciation charge out
 Review of physical verification procedures
 Review of assets management including asset discarding/sale process.
Investment Audit:-
 Calculation of NAVs (Net Asset Value) of various Unit Linked Equity and Debt Schemes in excel.
 Confirming NAV before release to press.
 Periodic review of the various functions of the Front office, mid office & Back office as per the SOP.
 Verification of various Corporate Actions relating to Equities.
 Verification of the valuation of different asset classes on a daily basis.
 Checking of various trades carried out by the fund on a daily basis.

4.  Citibank NA
 Standard Chartered Securities Ltd.
 IMGC( Indian MortgageGuarantee corporation Pvt. Ltd.)
 Sumitomo Mitsui Banking Corporation
 Bank of Tokyo Mitsubishi
 Mizuho Bank
 Kotak Bank
 Mitsubishi Trading Corporation
 DHFL Pramerica Life Insurance
 Aviva Life Insurance
 Max Life Insurance
 Max Life Insurance
Technical Competencies
MS-Tools- Ms Excel, Ms Power point, Ms Word.
Thanks & Regards,
Khushboo Jain
Major ClientsHandled