If you are interested in this candidate, please contact Richard Lalchan via email rlalchan@cerfinancial.co.uk or call on 0207 626 6065.

00355360

PROFILE:

Motivated and team oriented, with over 16 years of experience within the Retail and Corporate Banking profession across a range of roles. Risk management skills developed whilst working in a Group Internal Audit function. A track record of managing relationships with customers and key stakeholders within major UK banks. Strong project risk management and financial analysis skills. Experience in handling challenging relationship as a result of working as a Personal Banking Manager for a portfolio of clients exhibiting financial needs and difficulties.

• Educated to Master's level and a Qualified Management Accountant with a track record of high achievement.
• Experience at risk management, leading audit teams and executing complex audits.
• Extensive experience performing financial analysis, project management and risk management roles.
• Track record of developing strong relationships both internally and externally.
• Proven self starter, with a history of consistently outperforming peers.

SKILLS:

• Risk Management — Working in the audit function for last eleven years has allowed me to develop skills in managing risks, mainly covering operational, governance, conduct, and regulatory risks. I have been able to leverage my previous experience in project and financial risk to lead audit work in this area.
• Relationship Management — Working as a Personal Banking Manager for two years has allowed me to enhance my skills of developing relationships with customers, sometimes in challenging circumstances. The last thirteen years working in Change Management (three years) and Group Internal Audit (ten years) have allowed me to build on these skills to develop relationships with key business stakeholders, often at a senior level.
• Coaching — Throughout my career, I have mentored and worked with junior colleagues to develop their skills and passed on my knowledge. I am very patient and have examples where individuals have worked alongside me and have been successful in progressing their own career aspirations.
• Teamwork — With my collaborative approach, I have developed long term relationships across my peer group, with a wide range of colleagues across all grades and with key business partners.

CAREER HISTORY:

September 2024 – Present

Banking

Senior Internal Auditor

• Responsible for leading and conducting regular and ad hoc audits, evaluates the data and findings of audit work, detects and records weaknesses and instances of non-compliance in the form of audit reports.
• Conducted follow up audits to monitor management’s interventions and implementation progress.
• Ensured that the audit objectives are met and that all were in line with the internal audit plan timescales and comply with quality requirements.
• Improved Bank’s operations by bringing a systematic and disciplined approach in reviewing the suitability of internal control design and the effectiveness of risk management, control and governance processes
• Assisted the Head of Internal Audit with the development of the annual audit plan.
• Stayed current on development in the internal audit profession and exhibited the ability and aptitude to learn industry standards.

October 2020-August 2024

Banking

Audit Manager, Group Internal Audit

• Responsible for leading elements of larger/complex audits with minimal support, and/or on less complex audits (where appropriate) undertake the Engagement Lead role and matrix management of the allocated team.
• Established and built relationships with stakeholders to educate the business in the control framework and influence business processes and required actions to deliver control improvements.
• Defined, proposed, and completed testing of key controls for assigned audits to evaluate their operational effectiveness requiring limited/no supervision.
• Applied the Group audit methodology and standards to identify and deliver high quality findings and robust supporting files.
• Ensured management actions address the root cause of findings, all findings are reported, followed up and management proposals to close are credible and fully supported by evidence ahead of recommending closure to the HoA.
• Motivated, developed and collaborated within own team and across the wider function to drive higher performance and sustained results.

November 2015- September 2020

Banking

Audit Analyst, Group Internal Audit

• Defined, proposed, and completed testing of key controls for assigned audits to evaluate their design effectiveness and operational effectiveness requiring limited/no supervision.
• Highlighted any control deficiencies for assigned audits and drafted issues and actions for inclusion in Draft Reports.
• Applied the Group audit methodology and standards to identify and deliver high quality findings and robust supporting files.
• Motivated, developed and collaborated within own team and across the wider function to drive higher performance and sustained results.

August 2012-0ctober 2015

Banking

Senior Auditor, Group Internal Audit

• Responsible for planning, budgeting, and delivering complex and high-profile audits across Commercial & Private Banking.
• Delivered complex audits across a wide range of areas including bank's regulatory programmes (Payment Protection Insurance, Enterprise Finance Guarantee Scheme and Regional Growth Fund), payments, management of static data and account closure.
• Detailed knowledge and experience with a variety of Retail & Commercial banking products, services and processes including mortgages, loans, credit cards and packaged accounts.
• Experience in engaging with senior stakeholders and developing strategic overviews of specific business areas. This involved regular liaison with stakeholders, providing input on the enhancement of business risk frameworks and liaising with business regarding current and emerging risks.
• Coached and supported new team members by being their buddy or mentor.
• High achiever, with above peer group performance levels.

June 2010- July 2012

Banking

Senior Finance Analyst, Corporate Finance Change Management

• Responsible for working with individual project managers to ensure accounting and financial accuracy of the monthly figures to build reliable and thought out forecasting.
• Created user friendly tool for project managers to forecast project resource profile and associated costs.
• Partnered with different project and programme leads to promote best practice and develop more effective planning/forecasting.
• Assisted the Project Manager in the creation of the business case/project pitch to be assessed and approved at investment committees.
• Responsible for initial and ongoing engagements with external suppliers, including coordinating initial contract negotiations alongside internal procurement teams and with the project managers assessing ongoing performance and releasing payments.

April 2009- May 2010

Banking

Change Analyst, Corporate Change Management

• Responsible for co-ordinating and managing delivery of change activity in the Corporate Banking and overall investment prioritisation process.
• Produced detailed business case to forecast total investment required to secure funding for the project in accordance with the project plan.
• Facilitated and co-ordinated the delivery of options analysis, solution design and detailed project plan to drive business change in a controlled and efficient manner.
• Identified and recorded risks and issues in accordance with project standards. Agreed escalation level, and then managed those assigned through to resolution.
• Liaised, co-ordinated and shared ideas with stakeholders to find viable solutions of the key risks.

June 2007- March 2009

Banking

Personal Banking Manager

• Responsible for managing a portfolio of clients to maximise the level of client service and cross sales opportunities.
• Conducted structured sales interviews to review client's financial circumstances in compliance with sales, credit and regulatory standards required by the Bank and Financial Conduct Authority.
• Established clients needs in terms of lending, protection, and investment.
• Ensured adherence to Bank procedures, rules, and regulations to minimise financial and operational risks.
• Supported development of individual capability/responsibility through effective coaching/ feedback.
• Selected and passed the future leaders program organised by the Bank.

EDUCATION:

2013-2015: Chartered Institute of Management Accountants (CIMA)

2004-2005: University

Master of Business Administration (Accounting & Finance)

INTERESTS:

• Playing Cricket, Table Tennis and Chess
• Travelling
• Listening to Bollywood music

References Available Upon Request

If you are interested in this candidate, please contact Richard Lalchan via email rlalchan@cerfinancial.co.uk or call on 0207 626 6065.

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