Karishma Duggal

Processed and completed back-office financial transactions daily, including 70+ wire transfers and EFT payments totaling millions of dollars, consistently meeting strict SLA and end-of-day deadlines. Reconciled 250+ customer accounts daily using Excel formulas, VLOOKUP, and macros to extract, validate, and cross-check large volumes of financial data for accuracy. Reviewed daily control reports and internal system records, investigating and resolving discrepancies and payment exceptions in line with established policy and procedure.

Accounting Officer II (Operations Officer I → Accounting Officer II) - TD Auto Finance - Toronto, ON

(2023-02 - 2023-10)

• Processed and completed back-office financial transactions daily, including 70+ wire transfers and EFT payments totaling millions of dollars, consistently meeting strict SLA and end-of-day deadlines.
• Reconciled 250+ customer accounts daily using Excel formulas, VLOOKUP, and macros to extract, validate, and cross-check large volumes of financial data for accuracy.
• Reviewed daily control reports and internal system records, investigating and resolving discrepancies and payment exceptions in line with established policy and procedure.
• Managed and posted up to 55 complex cheque deposits daily, updating internal systems and maintaining accurate logs, trackers, and records in line with retention requirements.
• Collaborated with internal stakeholders, dealers, and financial institutions to research and resolve outstanding items and documentation inquiries, communicating clearly and professionally under time pressure.
• Participated in daily team huddles and process discussions, contributing ideas to improve accuracy and turnaround on high-volume transaction queues.
• Promoted from Operations Officer I to Accounting Officer II within 6 months — the only contractor on the team converted to a full-time employee.

Office Assistant (Student Success Coordinator) - St. Clair Student Representative Council Inc. - Toronto, ON

(2023-11 - 2025-12)

• Managed high-volume day-to-day requests and transactions, prioritizing tasks to meet service-level expectations and deadlines in a fast-paced environment.
• Approved and tracked budgets for 60+ student events annually, ranging from $7K to $12K, maintaining accurate financial records and updating internal tracking systems.
• Reviewed and updated information across internal systems, ensuring records were accurate, complete, and compliant with institutional policy.
• Resolved and escalated inquiries and concerns, liaising with the appropriate internal team to ensure timely, professional resolution.
• Supervised and coordinated the day-to-day workflow of 5 Student Liaisons and 6 Volunteers annually, running recruitment, onboarding, and ongoing supervision.

Student Liaison - St. Clair Student Representative Council Inc. - Toronto, ON

(2022-01 - 2023-02)

• Served as first point of contact for 3000 students, researching and responding to inquiries and escalating concerns to the Operations Manager within required timelines.
• Worked 20 hours per week while maintaining an academic CGPA above 3.5 by managing multiple priorities under deadline pressure.

Assistant Accountant - K.S. Enterprises - Jalandhar, India

(2019-12 - 2021-05)

• Processed 60+ Accounts Receivable/Payable adjustments daily, updating records and meeting task deadlines to improve close accuracy.
• Managed daily cash handling and reconciliation alongside cheques and bills, ensuring accurate, balanced records within tight timelines.
• Monitored customer accounts and resolved billing discrepancies and payment inquiries, ensuring accuracy and compliance with company standards.

Accountant - Punjab Kesari – A Reputed Media - Jalandhar, India

(2018-08 - 2019-11)

• Reconciled 4000 accounts in 2 days by validating entries and correcting discrepancies, improving ledger accuracy under a tight deadline.
• Entered 60 vendor bills daily in SAP software, supporting internal and external audits and compliance requirements.

Post Graduate Diploma - International Business Management – Logistics System - St. Clair College

Bachelor of Commerce - Accounting/Business - DAV College