Emil A A

ACCA Part-Qualified professional with 9 papers completed, possessing practical experience in internal audit, risk assessment, internal controls, compliance testing, and financial reporting. Experienced in conducting branch audits, process reviews, cash verifications, account reconciliations, and evaluating the effectiveness of operational and financial controls across multiple business functions. Strong understanding of International Financial Reporting Standards (IFRS), financial statement preparation and analysis, consolidation principles, accounting for assets, liabilities, revenue recognition, leases, provisions, financial instruments, and corporate reporting requirements.

Knowledgeable in financial management, budgeting, performance evaluation, business analysis, and risk management frameworks.

Junior Internal Auditor - Manappuram Chits India Pvt. Ltd. - India

(2023-04 - 2024-02)

• Executed risk-based internal, branch, field, and management audits across multiple locations, conducting an average of 10 branch audits per month to evaluate operational effectiveness, compliance, and internal controls.
• Performed audit testing over cash balances, bank reconciliations, collections, auction disbursements, customer accounts, and financial transactions to identify control deficiencies and operational risks.
• Reviewed customer onboarding, KYC documentation, chit agreements, collateral records, and transaction approvals to ensure regulatory and policy compliance.
• Assessed internal controls over receivables, payables, cash management, disbursements, and operational processes through substantive testing and process reviews.
• Conducted surprise cash verifications, field inspections, and security document reviews to strengthen fraud prevention and asset safeguarding controls.
• Identified audit findings, prepared audit reports, tracked remediation actions, and collaborated with management to ensure timely closure of observations.
• Performed risk assessments and process improvement reviews, recommending control enhancements to improve efficiency, compliance, and risk management.
• Coordinated with cross-functional teams to investigate exceptions, perform root-cause analysis, and support compliance across finance and operational functions.

Part Qualified - Association of Chartered Certified Accountants - Lakshya Indian Institute of commerce (2021-12)

Bachelor of Commerce - Finance - Don Bosco College, Mannuthy (2017-06 - 2020-04)