1. Swati Pandurang Khonge
C-2/ 301, Ganjawala Compaund,
Dr.D.B.Road, Mumbai central,
Mumbai-400008.
Mobile : +91 8108453467
Email: swatikhonge@gmail.com
Objective:
To pursue a challenging and growth oriented career as an Internal Auditor in an
organization providing Banking & Financial Services.
Strengths:
Learning Agility, Self Confidence, Dedication towards work and ability to be consistently
work even under stress.
Experience Summary:
• Total more than 2 years of bank audit experience.
• 1 year & 2 months of experience in concurrent audit of HSBC Bank ( HSBC Securities
services & Retail Demat Management )
• 8 months of experience in concurrent audit of HSBC Bank (Branch Audit)
• 1 year experience in concurrent audit of Saraswat Bank & Greater Bombay Bank
( Branch Audit )
Work Experience:
 Deloitte Touche Tohmatsu India LLP :
• Designation: Executive
• Department: Enterprise Risk Services Function.
• Client: HSBC Bank (May 2015 – Present)
• Audit Description: Concurrent Audit (HSBC Securities services & Retail Demat
Management)
Summary: Currently working with Deloitte Touche Tohmatsu India LLP, as Concurrent
Auditor for HSBC Bank. The primary Responsible to audit of the Custodian and Depository
Participant operations, which includes review of the policies, procedures and processes for
the Depository Participant and Custodian operations of the bank.
• As a Auditor Review of the policies, procedures and process for the National
Securities Depository Limited for DP’s
• Review of the Bank policies, procedures and process at Management Level
• Maintains open communication with Management and the Internal Control
Department.
• The review was aimed at ensuring compliance of the regulatory requirements and

2. internal policies of the bank
Responsible for:
• Demat Account Opening Review:
 Verification of the Demat Account Opening Forms of Customers on NSDL and
CDSL Depositories.
 Verification of the KYC on KRA, NDML websites.
 Verification of customer details through the DPM, CDAS & HUB system
• Account Closure
 Verification of Demat Account Closure with Holding or Nil holdings with DPM,
CDAS & HUB system
 Verification of Transmission Request for NSDL & CDSL Depository
 Verification of Account Closure status through the DPM, CDAS & HUB system
• Account Modifications
 Verification of customer request/instructions for Account modifications
including various kind of modifications like Change Address, Change of Bank
details, Change of Nominee, Change of Mobile No., Change of E-Mail id etc.
 Verification of the KYC on KRA, NDML websites
 Verification of customers modified details through the DPM,CDAS & HUB
system
• Customer’s Request for Dematerialisation
 Verification of correctly implementation of customer’s Dematerilaisation
Request on DPM & CDAS system.
 Verification the status of DEMAT Request i.e. Conform & Rejection of Demat
request on DPM system.
• Other Responsibilities:
As concurrent auditor, further responsible for review of following activities and
verification customer’s details through DPM, CDAS & HUB System.
 Verification of the customer Delivery Instruction Form (DIF) for trading of
shares in share market such as ON market/ OFF market trades, Verification
Inter Depository Transactions and other details customer’s instructions with
DPM & CDAS system
 Verification of customer request for Delivery Instructions Slip/ Booklet (DIS)
of customer’s request through the FRB Form for immediate blocking
 Verification of implementation of customer request through the DPM,CDAS &
HUB system
 Verification of customer request for Pledge Creation/ Closure, Conformation
and Invocation
 Verification of the customer details through the DPM, CDAS & HUB system
 Verification of customer request for Mutual Fund Redemption & Conversion
 Verification on DPM and CDAS system that which account is freeze by the
customer & which account is freeze by Regulatory and Verifying the reasons
for Account Freeze/Unfreeze

3.  VEERARAGHAVAN & CO. CHARTERED ACCOUNTANTS:
• Designation: Concurrent Auditor
• Client: HSBC Bank (September 2014 to April 2015)
• Audit Description: Branch Concurrent Audit (Retail Banking & Wealth
Management)
Summary: Previously worked in Veeraraghavan & CO. Chartered Accountants as a
Concurrent Auditor for HSBC Bank for Retail Banking, Wealth Management department
• As a Auditor Review of the policies, procedures and process for the Bank at Branch
Level
• Maintains open communication with Management and the Internal Control
Department.
• The review was aimed at ensuring compliance of the regulatory requirements and
internal policies of the bank
Responsible for:
 Physical verification of cash with cash book register
 Vouching all cash and non-cash transactions like cash deposit, cash
withdrawal, fund transfer, RTGS/NEFT, Fixed Deposit, Cashier Order, demand
draft
 Surprise verification of balancing of deliverables, once in a month like credit
cards, debit cards, collect cheque books, collect OTP, Instant welcome pack
and home loan documents
 Reconciliation of voucher with VCAR report. various suspense accounts
through HUB
 Verification of letter of instruction submitted by customer for mutual fund
transaction
 Verification of KYC documents as per bank policies
 Overseeing daily reporting of the findings
 Conduct and document internal audits in accordance with audit programs,
analyze and compile audit findings.
 Prepare reports of findings and recommendations for improvements.
 Finalization of Audit Report and publishing.
 Maintains open communication with Management and the Internal Control
Dept.
 Advising and overseeing amended processes & update checklist accordingly.
 Perform other duties as assigned.

4.  S.A.GAITONDE & CO. CHARTERED ACCOUNTATNS:
• Designation: Concurrent Auditor
• Client: Saraswat Bank & Greater Bombay Bank (September 2013 to
August 2014)
• Audit Description: Branch Concurrent Audit (Retail Banking & Wealth
Management)
Summary: Previously worked in S.A.Gaitonde & CO.As a Concurrent Auditor for
Saraswat Bank and Greater Bombay Bank for Retail Banking, Wealth Management
department
Responsible For
 Physical verification of cash with cash book register
 Vouching all cash and non-cash transactions like cash deposit, cash
withdrawal, fund transfer, RTGS/NEFT, Fixed Deposit, Cashier Order, demand
draft
 Surprise verification of balancing of deliverables, once in a month like credit
cards, debit cards, collect cheque books, collect OTP, Instant welcome pack
and home loan documents
 Reconciliation of voucher with VCAR report. various suspense accounts
through Swift Core
 Verification of KYC documents as per bank policies
 Overseeing daily reporting of the findings
 Prepare reports of findings and recommendations for improvements.
 Finalization of Audit Report and publishing.
 Advising and overseeing amended processes & update checklist accordingly.
 Perform other duties as assigned.
Other Attributes and Qualification:
• Educational Qualification:
QUALIFICATION INSTITUTE GRADE UNIVERSITY
Bachelor of Commerce
(Accounts & Finance)
March - 2013
Bhavan’s Hajarimal
Somani College
First Class Mumbai University
H.S.C.
(Feb 2010)
Bhavan’s Hajarimal
Somani College
First Class Mumbai Board
S.S.C.
(March 2008)
Aryan Education Society’s
High School
First Class Mumbai Board

5. Other Certification:
NISM (Nation Institute of Securities Markets) Certificate valid up to :- September 13, 2018
• Technical Skills:
MS Office viz. MS Word, MS Excel, MS PowerPoint, MS-Windows, Lotus Notes & Outlook.
Tally 9 and Swift core, HUB & various reporting systems.
• Personal Information:
Gender : Female
D.O.B. : 9th December 1991.
Marital Status : Single
Other Interests : Reading Books
Languages known : English, Marathi, Hindi.
I hereby declare that the above-mentioned details are true to the best of my knowledge.
Thanking You,
Yours Sincerely,
Swati Khonge.

6. Other Certification:
NISM (Nation Institute of Securities Markets) Certificate valid up to :- September 13, 2018
• Technical Skills:
MS Office viz. MS Word, MS Excel, MS PowerPoint, MS-Windows, Lotus Notes & Outlook.
Tally 9 and Swift core, HUB & various reporting systems.
• Personal Information:
Gender : Female
D.O.B. : 9th December 1991.
Marital Status : Single
Other Interests : Reading Books
Languages known : English, Marathi, Hindi.
I hereby declare that the above-mentioned details are true to the best of my knowledge.
Thanking You,
Yours Sincerely,
Swati Khonge.