Work Experience: More than 10 years in Retail Banking Services. A) Currently associated with IndusInd Bank Ltd since September 2014 to till date as a Manager (Internal Audit and Compliance) of Retail Branches. B) Past experience: 1) HDFC Bank Ltd (6 years and 3 months) – Joined HDFC Bank as Executive Trainee in September 2006 and handled various profiles during tenure of job such as Teller, Demat Authorizer, Personal Banker and Teller Authorizer. 2) Axis Bank Ltd (1 year and 9 months) – Joined Axis Bank in Operations Profile in November 2012 and handled profile during tenure of job such as Authorizer and Backup for Branch Operation Manager.

1. CURRICULUM VITAE
Name: Bhavin Kantilal Jakharia
Contact No: 9870676714 / 9323765045.
Email ID: bhavin.jakharia@gmail.com.
CAREER OBJECTIVE
To work with an organization which can provide dynamic and challenging work environment along with growth
prospectus and to gain eminence and in turn to benefit the organization and become asset.
ACADEMIC QUALIFICATION
Title of the Degree
College/University/
Board
Year of Passing Percentage
M.Com - Management University of Mumbai March-2009 45.00
B.Com University of Mumbai March-2006 62.14
H.S.C Maharashtra Board Feb - 2003 60.50
S.S.C Maharashtra Board Oct - 2000 57.86
CERTIFICATION
 NSE’s Certification in Financial Market (NISM –Depository Operation Module) on 28th
April 2014.
 Anti- Money laundering and Know your customer certification from Indian Institute Banking and Finance.
ACHIEVEMENTS
 Achieved satisfactory branch audit ratings in both organizations (HDFC Bank and Axis Bank) and always
ensured standard Banking Practices being followed.
PROFESSIONAL HIGHLIGHTS
Work Experience: More than 10 years in Retail Banking Services.
 Currently associated with IndusInd Bank Ltd since September 2014 to till date as a Manager
(Internal Audit and Compliance) of Retail Branches.
 Past experience:
 HDFC Bank Ltd (6 years and 3 months) – Joined HDFC Bank as Executive Trainee in September
2006 and handled various profiles during tenure of job such as Teller, Demat Authorizer, Personal
Banker and Teller Authorizer.
 Axis Bank Ltd (1 year and 9 months) – Joined Axis Bank in Operations Profile in November 2012
and handled profile during tenure of job such as Authorizer and Backup for Branch Operation Manager.

2. PROFESSIONAL EXPERIENCE AT INDUSIND BANK LTD
Designation Manager (Internal Audit and Compliance).
Organization IndusInd Bank Ltd.
Job Period Sept 2014 to Till Date.
Job Profile  Audits of Retail Branches.
 Highlighting risk identified to management and suggesting processes for implementation.
 Manage/guide/mentor a team of Junior Auditors.
Job
Description
 Timely, accurate, concise and effective documentation of exceptions observed during the
course of audit.
 Ensuring qualitative and effective performance in all areas of audits undertaken.
 Critically review the existing process and procedures during the audit of respective areas
and suggest areas of improvement which would enhance controls and simplify process
flow.
 Identify any operational risk areas and escalate to the team leader.
 Review and follow up of rectification responses from the auditee for early rectification of
audit comments and timely closure of audit files
 Tracking and identifying revenue leakage and suggest measures/process to plug the same.
 Analysis of the internal accounts and transactions in the office accounts related to branch
for the audit review period.
 Carry out discussion of audit report with concerned authority and Finalizing audit rating.
PROFESSIONAL EXPERIENCE AT AXIS BANK LTD
Designation Manager Operations.
Organization Axis Bank Ltd.
Job Period Nov 2012 to Sept 2014.
Job Profile  Retail Branch Operations.
 Manage/guide/mentor a team of Junior Team members.
 Defining goals & performance parameters for the team & guide/coach them in achieving
the same. Ensuring that the team understands the goals of the bank, the branch and also
of other colleagues in the branch.
Job
Description
 Account Opening & Maintenance:
 Checking Account opening Forms and Account maintenance related formalities.
 Ensuring adherence to process & documentation standards (e.g. forms/checklists,
welcome calling, approvals, etc.)
 Maintain strict vigilance on the quality of forms and documentation provided.
 Transactions Related:
 Address all transaction related enquiries i.e. pre, during & post transaction processing
& escalations.
 Ensure frequent monitoring of all over-aged cases (deferrals, pending items, etc.) &
appropriate escalation of the same in a timely & balanced manner to the senior
management.
 Service & Quality:
 Ensure that all people, process, data & systems in the branch are well attuned to deliver
consistent & superior levels of service to all customers.
 Ensure that adequate records & data pertaining to customer queries &complaints is
maintained & analyzed for achieving greater process efficiency.
 Coordinate with relationship managers and meet / interact with key clients on a
periodic basis to stock take on service levels and customer satisfaction. Also collate
their feedback & suggestions.
 Audit & Compliance:
 Effectively Support & Handle Branch Audits by Internal, External and Concurrent

3. auditors.
 Responsible for implementation of process, policies as per guidelines & audit rating of
the branch.
 Ensure comprehensive compliance with all internal, regulatory and statutory
requirements as relevant for various product and services from a branch perspective;
 Provide constructive feedback; identify training & development needs of the team &
conduct training at frequent intervals to meet the training requirements.
PROFESSIONAL EXPERIENCE AT HDFC BANK LTD
Designation Deputy Manager
Organization HDFC Bank Ltd.
Job Period May 2012 to Nov 2012.
Job Profile Teller Authorizer.
Job
Description
 Authorization of Teller related transaction.
 Responsible for Cash and Customer transactions at the Teller counters.
 Forex Transaction (Inputting and Verification) (FCY DD issuance, FCY Currency,
Outward & Inward Remittance).
 Supervising all Non-Cash transactions like DD/MC, fund transfer etc.
 Monitoring/controlling & sending all the weekly/fortnightly/monthly & quarterly reports
to the Zonal Office within the stipulated time.
 Keeping Control on Cash Retention Limit of Branch.
 Monitoring and Reporting Branch Operations.
 Corporate salaries processing.
 Safe deposit Locker Operations.
 Lobby Management.
 Monitoring all the branch operation.
 Solving all the customer queries within the TAT period.
 Adhered to deadlines for various operational procedures set by the Bank.
 Monitoring of dummy accounts, suspense accounts, deferred accounts, accounts payable/
receivable.
 Exchange of soiled/mutilated notes with Currency chest.
 Vault Key Custodian.
 Daily cash transaction reporting.
 Monitoring of Vendor payment.
 Ensure that all tellers are adequately trained on the Products of the bank.
 Branch Operations and Audit Compliance.
Designation Deputy Manager
Organization HDFC Bank Ltd.
Job Period Nov 2010 to May 2012.
Job Profile Personal Banker Authorizer and Teller Authorizer.
Job
Description
Personal Banker Authorizer:
 Authorize Personal Banker transactions.
 Checking of CASA and Demat forms.
 Supervise and Monitor Personal Banker and Contract staff in terms of sales/productivity
and other issues.
 Solving all the customer queries within the TAT period.
 Adhered to deadlines for various operational procedures set by the Bank.
 Monitoring of dummy accounts, suspense accounts, deferred accounts, accounts
payable/ receivable.
 Monitoring of Vendor payment.
 Branch administration.
 Monitoring all the branch operation.

4.  Effectively Support & Handle Branch Audits by Internal, External and Concurrent
auditors.
 Responsible for implementation of process, policies as per guidelines & audit rating of
the branch.
 Ensure comprehensive compliance with all internal, regulatory and statutory
requirements as relevant for various product and services from a branch perspective;
 Provide constructive feedback; identify training & development needs of the team &
conduct training at frequent intervals to meet the training requirements.
Teller Authorizer:
 Authorization of Teller related transaction.
 Responsible for Cash and Customer transactions at the Teller counters.
 Forex Transaction (Inputting and Verification) (FCY DD issuance, FCY Currency,
Outward & Inward Remittance).
 Supervising all Non-Cash transactions like DD/MC, fund transfer etc.
 Monitoring/controlling & sending all the weekly/fortnightly/monthly & quarterly
reports to the Zonal Office within the stipulated time.
 Keeping Control on Cash Retention Limit of Branch.
 Monitoring and Reporting Branch Operations.
 Corporate salaries processing.
 Safe deposit Locker Operations.
 Lobby Management.
 Monitoring all the branch operation.
 Solving all the customer queries within the TAT period.
 Adhered to deadlines for various operational procedures set by the Bank.
 Monitoring of dummy accounts, suspense accounts, deferred accounts, accounts
payable/ receivable.
 Exchange of soiled/mutilated notes with Currency chest.
 Vault Key Custodian.
 Daily cash transaction reporting.
 Monitoring of Vendor payment.
 Ensure that all tellers are adequately trained on the Products of the bank.
 Branch Operations and Audit Compliance.
Designation Deputy Manager
Organization HDFC Bank Ltd.
Job Period May 2009 to Oct 2010.
Job Profile Depository Authorizer.
Job
Description
 Checking of Demat Forms.
 Authorization and Supervision of Depository related transactions.
 Solving all the customer queries within the TAT period.
 Adhered to deadlines for various operational procedures set by the Bank.
 Effectively Support & Handle Branch Audits by Internal, External and Concurrent
auditors.
 Provide constructive feedback; identify training & development needs of the team &
conduct training at frequent intervals to meet the training requirements.
 Responsible for implementation of process, policies as per guidelines & audit rating of
Depository Operations.
Designation Assistant Manager
Organization HDFC Bank Ltd.
Job Period Sept 2006 to May 2009.
Job Profile Teller.
Job
Description
 Accepting & Paying out of Cash and Processing of Fund Transfer Requests.
 Processing of Forex transactions such as Outward Remittance, Inward Remittance,

5. Forex Card, FCY Demand Drafts, etc.
 Vault Key Custodian.
 Monitoring/controlling & sending all the weekly/fortnightly/monthly & quarterly
reports to the Zonal Office within the stipulated time.
 Daily Cash transactions reporting.
 Keeping Control on Cash Retention Limit of Branch.
 Exchange of soiled/ mutilated notes with Currency Chest.
 Issuance of pay orders and demand drafts.
 Local and Outstation clearing.
 Corporate salaries processing.
 Ensured customer retention by providing Excellent Customer Service.
 Adhered to deadlines for various operational procedures set by the Bank.
 Solving all the customer queries within the TAT period.
 Ensuring prescribed guidelines are followed.
Personal Details
Name: Bhavin K Jakharia.
Address: Krishna Kunj Co-operative Housing Society,
Flat No. 303, L T Nagar,
Road No.01, Plot No.13, Off M G Road,
Goregaon (W), Mumbai – 400104.
Date of Birth: 12-07-1984.
Marital Status: Married.
Language Known: English, Hindi, Marathi and Gujarati.
I hereby declare that all the information provided by me in this application is factual and correct to the
best of my knowledge and belief.
Signature
(Bhavin Jakharia)