Bhavin Raithatha

About Bhavin Raithatha

I am an experienced Chartered Accountant, Certified Internal Auditor, Certified Information System Auditor, and Master in Commerce, with more than 15 years of specialized experience in Internal Audit and Risk Management across various leading Banks and consulting firms in India and UAE.As a dedicated and passionate Banker and Internal Audit Professional, I keep a close eye on updates related to the Banking Industry, regulations, risk management practices, and their impact on customers and stakeholders. I thoroughly enjoy reading and writing about Internal Audit, Risk Management, Banking & Financial Services Industry, and related Transformation.My key contributions to Banks via Internal Audit include enhancing Governance and Risk Management, as well as suggesting policy and process improvements with a parallel focus on regulatory requirements, efficiency, and effectiveness. In addition, I have made significant contributions to Banks while in my Risk Management role, handling risk management for Operations of Remittances, Trade Finance, Wealth Management, Treasury, and Syndication Loans.My expertise lies primarily in Treasury, Compliance, Trade, Remittance, Wealth, Lending and support function Audits and Operational Risk Management across various retail and wholesale banking units including participation in new age product and services backed by modern world technology including AI. I am committed to delivering exceptional results and making valuable contributions to the organization I work with. Available for further discussion @ Mumbai on +91••••••••56

Experience

1. Senior Manager - Internal Audit Group

   Mashreq

   Sep 2025 — Present · Mumbai, IN

   Responsible for international / overseas Internal Audit engagements for Mashreq Bank (UAE), delivering independent assurance across regulatory, financial, operational, and risk domains.Audit coverage includes:Compliance AuditsOFAC & Sanctions Program AuditsEnd-to-End Overseas Branch AuditsTreasury AuditsCorporate Credit / Portfolio AuditsRisk Management Framework AuditsSpecial reviews, thematic audits, and advisory assignments

Education

• University of Mumbai

  Master's degree, Commerce

  2008 — 2012

• IIA-The Institute of Internal Auditors

  Certified Internal Auditor

• Information Systems Audit and Control Association (ISACA)

  Certified Information System Auditor (CISA), Information Technology

  2020 — 2020

• The Institute of Company Secretaries of India

  Company Secretary, Corporate Governance

  2008 — 2011

• Indian Institute of Banking and Finance

  Certified Associate of Indian Institute of Bankers, Treasury Management

  2016 — 2016

• The Institute of Chartered Accountants of India

  Chartered Accountant

  2007 — 2011

Skills

• Accounting
• Team Leadership
• Management
• Retai Audits
• Internal Audit
• Finance
• Tax Advisory
• Credit Risk
• Financial Accounting
• Analysis
• Loans
• Banking
• Regulatory Compliance
• Risk Management
• Team Management
• Value-Added Tax (Vat)
• Credit
• Risk Assessment
• Financial Reporting
• Financial Analysis
• Retail Banking
• Financial Risk
• Internal Controls
• Auditing
• Corporate Finance
• Financial Services
• Report Writing
• Analytical Skills
• Treasury Management