Karishma Kaur Amar Singh

Conducted operational audits across critical banking functions, strengthening control
environments and reducing exposure to process breakdowns.
Identified cost optimisation opportunities and process automation improvements.
Evaluated governance frameworks and operational oversight structures to ensure accountability
and clear segregation of duties.
Performed root cause analysis on control failures and recommended corrective action plans.
Reviewed transaction processing and reconciliation controls to ensure completeness, accuracy,
and timeliness of financial and non-financial operations.
Conducted walkthroughs and control testing on high-risk operational processes to validate design
and operating effectiveness.
Evaluated process documentation standards, ensuring alignment with regulatory expectations and
internal policies.
Assessed fraud risk exposure within operational workflows.
Evaluated third-party operational dependencies and concentration risks within critical business
functions, including reviews on the outsourcing controls and SLA compliance.
Assessed change management processes impacting operations to ensure minimal disruption and
adequate control validation.
Performed thematic reviews across operational units to identify systemic control weakness and
recurring riskthemes.
Reviewed business continuity planning (BCP) and disaster recovery (DR) frameworks.
Member ofthe Data Governance workgroup

Accomplishments:
Conducted end-to-end audits surrounding the CFS portfolio, including on client onboarding, risk
profiling, and product suitability.
Assessed compliance with regulatory requirements relating fiduciary duties and fair treatment to
banks customers.
Reviewed sales practice and incentive structures to assess potential conduct risk, and mis-selling
exposure.
Evaluated the segregation of duties within front office, middle office, and operations to prevent
conflict of interest.
Assessed data integrity controls within wealth management systems.
Conducted independent reviews of scam-related cases, including social engineering losses,
phishing incidents, and unauthorised transactions.
Validated recovery efforts and dispute resolution processes for scam-impacted clients.
Reviewed customer due diligence (CDD) and enhanced due diligence (EDD) processes for high-risk
clients.
Conducted branch audits assessing operational controls, client-onboarding and regulatory
compliance.
Reviewed and audited claims, accounts, and finances.
Built dashboard for evaluating data and assisted in the migration from old to new software.
Participated in the FSTEP training, under BNM.

Demonstrated a great spirit of learning, and being a part of the team. Obtained guidance from my
senior colleagues and applied the knowledge for my daily tasks as well as for my own advancement
and growth.
Accomplishments:
Processed and validated Direct Debit Authorisation (DDA) requests in compliance with internal
banking policies and regulatory requirements.
Executed maker-checker control procedures, ensuring accuracy, completeness and segregation of
duties in transaction processing.
Reviewed customer mandates and supporting documentation to mitigate operational and fraud
risk.
Identified discrepancies in the forms and supporting documents and notified senior colleagues.
Maintained high accuracy levels while meeting daily processing SLAs and turnaround time targets.
Performed data verification and reconciliations to ensure correct mandate setup within core
banking systems
Strengthened understanding of internal controls, risk management and compliance frameworks in
financial operations.
Documented process workflows and recommended minor efficiency improvements to reduce
manual errors.
Prepared and delivered a structured presentation to the Head of Division of Account Services,
summarising key internship learnings, process insights and improvement opportunities.
Demonstrated strong stakeholder communication skills through cross-team collaboration and
executive-level reporting exposure.
Applied quantitative and problem-solving skills while completing the cases and tasks assigned
Acquired computer skills while working on the cases using systems and software Able to complete an average 300 Direct Authorisation (DDA)