Arham Anwar

Audit, Accounts & Finance Professional with hands-on experience in retail operations and financial controls for US-based clients. Skilled in conducting retail outlet audits, fuel inventory reconciliation, POS & cash verification, GRN processing, and Fixed Asset Report analysis. Proficient in GAAP, SOX compliance, journal entries, and month-end close.

Strong track record in identifying process gaps, preparing audit reports with risk ratings, and strengthening internal controls to ensure accuracy, compliance, and operational efficiency.

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

• Advised clients on life and general insurance products based on their financial needs and risk profile
• Conducted client meetings to explain policy benefits, premium structures, and claim procedures
• Assisted customers in policy documentation, proposal forms, and KYC compliance
• Built and maintained client relationships to achieve sales and retention targets
• Ensured accurate record keeping of policies and coordinated with underwriting team for policy issuance
• Provided post-sales support including premium reminders and claim assistance

Audit Officer at Z&k financial nexus Bahawalpur (2025-11 – 2026-05)

• Reconciled daily fuel inventory using POS data, tank gauge readings, and fuel deliveries to identify shrinkage, evaporation loss, and variances.
• Reviewed cash management, credit card settlements, and sales reporting to detect discrepancies, fraud risks, and ensure revenue integrity.
• Audited vendor invoices, GRNs, and fuel deliveries for accuracy against contracts and purchase orders.
• Evaluated internal controls over POS systems, loyalty programs, and store merchandise to mitigate revenue leakage.
• Assessed HSE compliance including tank leak detection, spill prevention, and OSHA safety standards at C-store and forecourt operations.
• Prepared audit findings and management reports with risk ratings, root cause analysis, and corrective action plans for US-based leadership.
• Tracked closure of audit observations and validated implementation of controls across multiple state locations.
• Analyzed KPIs such as gallons sold, gross margin, and OPEX per store to identify trends and cost-saving opportunities.
• Collaborated with external auditors and franchise/dealer operators to ensure alignment with company policies and regulatory requirements.
• Analysis of financial statements.
• Performed bank reconciliation at month end.
• Process vendors payment through Account payable manual checks (APMC).

Oprations Internee at Zarai Taraqiati Bank LTD. (2025-08 – 2025-09)

• Assisted in daily banking operations including cash deposit, withdrawal, and cheque clearing
• Learned and performed basic customer account opening and KYC documentation
• Supported staff in filing, record keeping, and data entry in banking software
• Observed loan processing, recovery, and agricultural financing procedures
• Gained exposure to bank reconciliation, voucher preparation, and compliance protocols

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