Joseph Thomas Aca, Cia Email & Phone Number

Bahrain

Responsible for managing the Internal Audit Function for the CBB licensed Bank in Bahrain, the CMA licensed Investment Firm in Saudi Arabia and ESCA licensed firm in U.A.E. and with direct reporting to the Board Audit Committee and the CEO.Responsibilities include:-Risk assessment and development of Risk Based Internal Audit Plan;-Management and conduct of audits and special purpose reviews;-Coordination with all functions on Audit and Central Bank of Bahrain related issues.

Bahrain

Responsible for managing the Internal Audit Function at the Bank with direct reporting to the Board Audit Committee and the CEO.Responsibilities include:-Risk assessment and development of Risk Based Internal Audit Plan;-Management and conduct of audits and special purpose reviews;-Coordination with all functions on Audit and Central Bank of Bahrain related issues.

Manama, Bahrain

Managed annual Risk Based Internal Audits for: A Sovereign Wealth Fund  A listed diversified Bahrain based group present in 5 sectors and 4 regions Islamic & Conventional Investment Banks, Firms Islamic & Conventional Insurance CompaniesExperience in: Risk assessment and preparation of Internal Audit Plans for above types of entities Presentation to the Board/Audit Committee Assisted and advised entities on establishing comprehensive Corporate Governance Frameworks Conducted Compliance and Anti Money Laundering reviews Led the teams conducting Quality Assurance Reviews of Internal Audit Departments in Banking and non Banking sector

Bahrain

Menon & Associates (Certified Public Accountants) and Morison Menon Consulting WLL :- These were the new Bahrain ventures of the Morison Menon (now known as Kreston Menon) Group of Firms - one of the Top Audit Firms in the UAE. It has offices in the UAE, Oman, Qatar and India. It is a Professional Services Firm providing services in Audit, Consulting and legal services. • Client Management Life Cycle: Handle all new client meetings, client assessments and prospective assignments o Risk Assessment & Fee Estimation for all new clients o Client hand-holding and internal management to ensure client expectations • Head - Audit & Accounting Division - supervise, manage and handle accounting and audit assignments executed by the firm • Head - Consulting Division - supervise, manage and handle various consulting assignments executed by the firm • Office Management: - In addition to above responsibilities, handled set up and running of the new office including: o Managing fund flow o All administration responsibilities o Relationship Management with Government, Local & Overseas partners and other stakeholders o Negotiation with landlords, local authorities etc. o Ensuring quality in providing services o Company Branding and Marketing within Bahrain

Dubai, Uae

The firm is an ISO certified firm of Chartered Accountants and Management Consultants based in Dubai with 8 branches in U.A.E. and branches in Oman, Qatar and India. It was part of the of the International Accounting network Morison KSI which has gross receipts in excess of USD 1 Billion and representation in 84 countries. (Now it is part of Kreston International Network of firms)Handled a team of 25 staff and 250+ clients. Responsibilities by position included: Client Management - complete client life cycle of 300+ clients • Client Acquisition • Risk Assessment and fee estimation for new clients. • Deal Negotiations and Final Closing • In charge of Billing and Fee follow up • Dispute Resolution ( audit issues ) • Analysis of Equity and Loan Utilization of clients • Advising clients on Financial & Strategic Planning, P&L Management, Accounting & Procedures Audit Management • Responsible for execution of audits by employees and other various demands/requirements of the client base • Responsible for planning the audits for each audit season as well as manpower planning and resource allocation • Monitoring and Reporting on assignments to partners. • Reviewing Audit files including analysis of financials, system review etc Additional Office Responsibilities • Conducted Business Valuations and Feasibility Studies as a Consultant in Morison UAE Consulting • Responsible for meetings with regulatory authorities, lawyers, port trust authorities etc • Key role in recruitment process and staffing plan • Conducted annual appraisals of staff  Member of the team involved in the short-listing and selection of the auditing software for the firm.  Instrumental role in obtaining for the firm the DIFC (Dubai International Financial Center) Audit License - by creating processes and documents to raise the standard of firm practices to International Audit Standards (IAS) levels and led the team that obtained the Dubai Financial Services Authority (DFSA)

India

The South Indian Bank is a listed Indian bank with around 850+ branches and about US$10.20billion in deposits and US$7.22billion in loans and advances working under a ‘Core banking’ IT solution Manager-Inspection/Internal audit This role focused on conducting Internal Audit of the International Banking Division (Foreign Exchange Department Central Office- FEDCO). It included the following duties: • Audit of the following sections: o Dealing room operations o Transactions with the various Exchange Houses in the Middle East o Inter-bank transactions o Treasury Department (Corporate Financial Management Department) o The bank's investment and trade in Government securities, Bonds, Equity and Mutual funds - while also checking compliance with Investment policy of the Bank and the Central Banking Authority (Reserve Bank of India) regulations regarding treasury • Audit of 'B' and 'C' category branches for review of compliance with banks internal policies and rules (B denoting branches with specific powers for foreign exchange transactions; C and D denoting general branches) • Review of Loan Documentation (in 'B' and 'C' Category branches) for compliance with banks internal policies and applicable laws/regulation on loan documentation

Chennai Area, India

Bharat Overseas Bank was a 76 branch bank in India owned by 7 other banks. It had deposits of over US$396million in 2002 and loans and advances of over USD 204million. The bank was later merged with Indian Overseas Bank Ltd The role included: • Appraisal of Credit Proposals from branches all over India - to be presented to the various levels of management (GM, DGM, Board of Directors) for approval o Ascertaining viability and other aspects of said proposals by studying financials (Balance Sheet, P&L, Cash Flow) and general market and business environment • Preparation of analysis and recommendation reports based on the above

India

-Conducted Internal Audit at Bank Branches of the South Indian Bank Ltd, Federal Bank Ltd. -Conducted statutory audit of Bank Branches-Conducted external audits-Direct taxation services

Cia- Certified Internal Auditor, Internal Audit

Aca, Auditing,Taxation, Corporate Finance, Management Accounting

Activities and Societies: Presented on Corporate Governance at a local institute student function

Bachelor Of Commerce (B.Com.), Commerce Accounts Tax Management Accounting

Activities and Societies: Debate and public speaking

Bachelor Of Commerce (B.Com.), Commerce, Accounting, Cost Accounting, Taxation

Activities and Societies: Debate & Public Speaking