Salman Bhat

Manager - Risk Advisory | Deloitte & Touche Middle East, Qatar | 2018 - November 2025
• Led and supported risk-based internal audit and governance engagements across large, complex organizations in Qatar, Saudi Arabia, and the UAE, ensuring alignment with Global Internal Audit Standards (GIAS).
• Conducted risk assessments, prepared audit plans, evaluated internal controls design, developed and reviewed audit programs, evaluated benchmarks, and consistently conducted evaluations to improve optimization.
• Managed Third-Party Risk Management reviews and Internal Control reviews for regional clients, ensuring alignment with regulatory requirements, effective mitigation of potential risks, and the enhancement of operational efficiency through the implementation of robust control frameworks.
• Established robust governance frameworks, including the development of Policies, Procedures, Process Flowcharts, and Delegation of Authority Matrices (DOAM), enabling clients to perform complex and routine tasks with consistency, quality, and adherence to both local regulatory requirements and international standards.
• Provided consultancy and insight to senior client executive staff on the control environments and efficiency of processes to ensure alignment with organizational objectives.
• Spearheaded worker welfare compliance risk programs for the FIFA World Cup 2022 to direct, develop and execute comprehensive risk-based compliance programs, covering audits on recruitment practices, worker welfare, subcontractor approvals, grievance redressal, and tender evaluations to ensure full alignment with FIFA standards and local labor laws.
• Designed and deployed risk-based compliance frameworks for NEOM (KSA), integrating digital tracking tools and real-time performance monitoring.

Senior Consultant - Tax & Compliance | Deloitte Touche Tohmatsu LLP (USI) | 2014 - 2018
• Led U.S. corporate and partnership tax compliance engagements for multinational clients, ensuring accurate and timely filings in line with IRS and state regulations.
• Directed workflow by allocating tasks, reviewing deliverables, and ensuring quality-first client service.
• Reviewed and prepared corporate (1120) and partnership (1065) returns, reconciliations, and responses to tax authority notices.
• Conducted in-depth tax research using CCH, BNA, and IRC codes to resolve complex technical issues.
• Strengthened tax risk management through detailed audit reviews and compliance testing.

: 2012 DEC - FEB 2014
•Responsible for Auditing and evaluating residential mortgage applications and loans originated by a variety of U.S Mortgage banks (Bank of America).
•Evaluate the credit and property documentation on loan files to take appropriate decisions to the acceptability of the investment risk.
•To Approve, decline, or suspend residential mortgage loan submissions based on a full credit underwrite.
•Review closed loans for eligibility with respect to Selling Guide, DU Guide, and/or negotiated terms as defined by contracts with lender partners.
•Identify transaction components that indicate a potential for fraud and perform sufficient investigative work to resolve identified issues