Arham Anwar

Detail-driven Audit, Accounts & Finance graduate with hands-on experience across accountancy, retail, fuel-station, banking, and insurance operations for US-based clients. Currently manage full-cycle bookkeeping — transaction categorization, bank & credit card matching, invoicing, billing, and reconciliation — at an advanced level on QuickBooks Online and an intermediate level on Zoho Books, with exposure to Sage 50 and payroll support. Skilled in retail outlet audits, fuel inventory reconciliation, POS & cash verification, and Fixed Asset Report analysis, with working knowledge of GAAP, SOX compliance, journal entries, and month-end close.

Proven ability to spot process gaps, document findings with clear risk ratings, and recommend practical controls that improve accuracy and compliance. Comfortable working directly with US leadership, external auditors, and franchise operators.

Accounts Officer at Bookkeeper Club (2026-05 – Present)

• Deliver end-to-end bookkeeping and accounting support for a portfolio of US-based clients at this accountancy firm, working at an advanced level on QuickBooks Online, an intermediate level on Zoho Books, and with working exposure to Sage 50.
• Perform transaction categorization and bank/credit card matching to keep client ledgers accurate and audit-ready.
• Prepare and issue client invoices and vendor bills, managing full accounts receivable and accounts payable documentation cycles.
• Conduct monthly bank and account reconciliations, identifying and resolving discrepancies in a timely manner.
• Apply advanced MS Excel techniques for data analysis, client reporting, and reconciliation support across multiple accounts.
• Assist with payroll processing for US-based clients.

Financial Consultant at Adamjee Insurance Company Ltd. (2026-05 – Present)

• Advise clients on life and general insurance products aligned to their financial needs and risk profile, building trust through clear explanation of policy benefits, premium structures, and claim procedures.
• Guide customers through policy documentation, proposal forms, and KYC compliance, ensuring accurate and audit-ready records.
• Build and maintain client relationships to consistently meet sales and retention targets, while coordinating with the underwriting team on policy issuance.
• Deliver post-sales support, including premium reminders and claim assistance, to strengthen client retention.

Audit Officer at Z&K Financial Nexus (2025-11 – 2026-05)

• Reconciled daily fuel inventory using POS data, tank gauge readings, and delivery records to identify shrinkage, evaporation loss, and variances across multiple sites.
• Reviewed cash management, credit card settlements, and sales reporting to detect discrepancies and fraud risk, safeguarding revenue integrity for US-based leadership.
• Audited vendor invoices, GRNs, and fuel deliveries against contracts and purchase orders, and evaluated POS, loyalty-program, and merchandise controls to mitigate revenue leakage.
• Assessed HSE compliance — tank leak detection, spill prevention, and OSHA safety standards — across C-store and forecourt operations.
• Authored audit reports with risk ratings, root cause analysis, and corrective action plans; tracked closure of findings and validated control implementation across multiple state locations.
• Analyzed KPIs such as gallons sold, gross margin, and OPEX per store to surface trends and cost-saving opportunities, and liaised with external auditors and franchise/dealer operators on regulatory alignment.
• Performed month-end bank reconciliations, financial statement analysis, and vendor payment processing through Account Payable Manual Checks (APMC).

Operations Internee at Zarai Taraqiati Bank Ltd. (2025-08 – 2025-09)

• Supported daily banking operations, including cash deposits, withdrawals, and cheque clearing.
• Assisted with customer account opening and KYC documentation, and contributed to filing, record keeping, and data entry in the bank's software.
• Gained direct exposure to loan processing, recovery, agricultural financing, bank reconciliation, voucher preparation, and compliance protocols.

Bachelor in Accounting and Finance – The Islamia University of Bahawalpur (2022 – 2026)