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 - Adamjee Insurance Company. Ltd.

(2026-05)

• 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 - Z&k financial nexus Bahawalpur - 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 - 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 - Accounting and Finance - The Islamia University of Bahawalpur (2022 - 2026)