Kiron K S

Seasoned Chartered Accountant and Insurance Governance Professional with 30+ years of experience across Life Insurance, General Insurance, Internal Audit, Risk Management, Investment Audit, Compliance, Fraud Risk Management, and Corporate Governance. Extensive expertise in establishing and leading Internal Audit and Risk Management functions in regulated insurance and digital-first environments. Strong experience in Board/Audit Committee reporting, IRDAI compliance, investment concurrent audit, ICFR, fraud investigations, and enterprise risk governance.

Currently offering freelance consulting, investment concurrent audit, internal audit leadership, governance advisory, and risk consulting services on a remote / part-time / co-sourced basis for insurers, fintechs, NBFCs, and regulated financial institution

Internal Audit & Risk Consulting Practice - KIRON K S & Co – Chartered Accountants

(2026-04)

Providing consulting and assurance services in: Internal Audit | Investment Concurrent Audit | Insurance Governance & Compliance | Risk Management | ICFR / IFC Reviews |Fraud Risk Reviews |Regulatory Advisory | Audit Committee Support

• Available for remote, co-sourced, consulting, and part-time leadership assignments.

Internal Audit Consultant - ACKO LIFE INSURANCE COMPANY LIMITED

(2026-05)

• Supporting internal audit, investment concurrent audit, and governance initiatives in consultant capacity.
• Providing strategic audit and risk advisory support aligned with IRDAI expectations.

Head – Internal Audit - ACKO LIFE INSURANCE COMPANY LIMITED

(2025-04 - 2026-04)

• Established and operationalized the Internal Audit function for a digital-first life insurer.
• Developed and executed risk-based audit plans covering underwriting, claims, finance, compliance, IT, cybersecurity, and governance.
• Worked closely with the Audit Committee and leadership to strengthen governance and control maturity.
• Led initiatives relating to fraud risk management, ICFR, compliance, and audit reporting.

Chief Risk Officer & Head – Internal Audit - ACKO LIFE INSURANCE COMPANY LIMITED

(2023-04 - 2025-03)

• Built risk management and governance frameworks from inception stage as KMP.
• Developed key regulatory policies, SOPs, and risk governance structures.
• Presented enterprise risk and audit assessments to Board-level Committees.
• Strengthened compliance monitoring and internal control environment.

Senior Director – Internal Audit - ACKO GENERAL INSURANCE COMPANY LIMITED

(2022-04 - 2023-03)

• Led operational, financial, compliance, and technology audits.
• Presented audit observations and remediation status to senior management and Audit Committees.
• Designed risk-focused audit approaches and governance improvement initiatives.

Associate Director – Audit & Security - CMS INFO SYSTEMS LIMITED, BANGALORE

(2020-12 - 2022-03)

• Conducted operational and compliance audits across cash management and security operations.
• Strengthened governance controls and stakeholder reporting processes.
• Mentored audit teams and supported capability development initiatives.

General Manager – Internal Audit - CHOLA MS GENERAL INSURANCE COMPANY LIMITED, CHENNAI

(2013-11 - 2020-12)

• Led Risk-Based Internal Audit and assurance functions across business operations.
• Conducted major fraud investigations and strengthened anti-fraud controls.
• Managed co-source auditors including KPMG, Deloitte, and PwC.
• Directed ICFR testing and governance reviews.

Senior Manager & Head – Internal Audit & Compliance (South Zone) - TATA AIA LIFE INSURANCE COMPANY LIMITED, BANGALORE

(2005-09 - 2013-11)

• Established compliance governance and market conduct oversight mechanisms.
• Conducted risk-based audits, compliance reviews, and fraud investigations.
• Led training initiatives on governance, fraud prevention, and regulatory compliance.

Administrative Officer – Audit, Policy Servicing, Finance & Accounts - LIFE INSURANCE CORPORATION OF INDIA (LIC)

(1998-04 - 2005-09)

• Conducted investment transaction audits at Central Office, Mumbai.
• Managed policy servicing and operational teams across branches.
• Strengthened financial reporting and compliance processes.

Fellow Chartered Accountant (FCA) - ICAI

MBA - Finance - Bharathiar University & ICAI

Diploma in Insurance & Risk Management (DIRM) - ICAI

B.Com - Mahatma Gandhi University, Kerala