Divya Anchan

ACA-qualified internal audit professional with 5+ years of experience across banking, lending, insurance, treasury and consulting environments. Experienced in delivering end-to-end risk-based operational, financial and compliance audits, including planning, walkthroughs, stakeholder interviews, control testing, data analysis, reporting and remediation follow-up. Strong record of identifying control weaknesses, presenting practical recommendations and working with senior stakeholders to strengthen governance and risk management.

Currently gaining UK experience in project governance, quality reviews and stakeholder coordination.

Handover Support at Zutec (2025-01 – Present)

Support the delivery of construction handover, hosting and data-migration projects by coordinating documentation, actions and system updates across clients, subcontractors and internal teams.

• Review O&M manuals, as-built drawings, certificates and supporting records for completeness, accuracy and alignment with agreed project requirements before upload to client platforms.
• Analyse Jira and Zutec workflow data to track outstanding actions, identify exceptions, maintain audit trails and provide clear progress visibility to project managers and stakeholders.
• Manage supplier follow-ups, escalations and issue resolution across multiple concurrent projects, helping improve timeliness and accountability.
• Introduced four workflow improvement proposals; helped reduce a long-standing document-chasing backlog; received a CSAT score of 5 on a data-migration project and recognition by senior management for outstanding contribution and measurable positive impact on team performance.

Sr. Internal Auditor at Tata Capital Financial Services Ltd (2022-10 – 2023-08)

Planned and delivered risk-based audits across business lending, wealth management, insurance distribution and regulatory compliance processes.

• Assessed control design and operating effectiveness through walkthroughs, data analysis, sample testing and review of system and management information.
• Identified control gaps, agreed practical corrective actions with process owners and monitored remediation through to closure.
• Prepared concise audit reports and presented significant issues, root causes and risk implications to senior management and governance forums.
• Identified a digital-lending disclosure issue that led to corrective action affecting 16,000+ customers; supported strong audit-quality results through TeamMate quality reviews and timely escalation of material issues.

Internal Auditor Associate at Protiviti India Member Firm Pvt Ltd (2021-12 – 2022-09)

Facilitated assurance reviews of corporate treasury and compliance functions for leading Indian conglomerates, aligning with regulatory standards.

• Conducted control testing across investments, borrowings, cash and bank management, covenant monitoring, and credit rating processes.
• Developed Risk & Control Matrices (RCMs) for compliance audits, ensuring comprehensive regulatory assessment coverage.
• Created a process flowchart for a leading NBFC, improving operational efficiency and audit methodology.
• Coordinated with Risk, Compliance, and Finance functions to validate remediation and strengthen controls.

Internal Auditor Associate at HDFC Bank (2013-07 – 2017-12)

Led independent, risk-based internal audits across retail branches, currency chest, phone banking, credit cards, gold loans, and INR remittance, from announcement and planning through execution and reporting.

• Identified systemic control gaps and revenue leakages, delivering clear audit findings and verifying remediation with management.
• Used walkthroughs, transaction testing, sampling, exception analysis and system-generated reports to identify control breakdowns, unusual activity and emerging risks.
• Ensured KYC/AML compliance by reviewing customer profiles and transaction histories; filed Suspicious Transaction Reports with the Financial Intelligence Unit.
• Identified a control weakness in monitoring overseas-remittance limits and supported implementation of a PAN-linked system control; developed regional reporting that improved oversight of suspense and temporary-overdraft accounts.

International Master of Business Administration in IMBA – Buckinghamshire New University (2024)

Bachelor of Commerce in Accounting and Finance – Mumbai University (2009-06)