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Partner at a 67-year-old Chartered Accountancy firm, delivering financial projections, modeling, and valuation for businesses in the USA and Australia, plus GST, UAE VAT/Corporate Tax, and Virtual CFO support for India and the UAE. Backed by a firm serving 500+ active clients. I'm Swapnil Punjawat, a Chartered Accountant and Partner at G.S. Punjawat & Co., an ICAI-registered CA firm founded in 1957, now serving 500+ clients in India and 50+ clients in the UAE from offices in Udaipur, Mumbai, and UAE operations. Earlier in my career I built financial models, forecasts, and US GAAP/SEC-aligned reporting for international clients, including US and Australian businesses, and I bring that same rigor to every Upwork engagement, backed by my firm's audit, ROC, and Virtual CFO teams whenever a project needs more hands. WHAT I CAN HELP WITH Financial Projections, Modeling & Advisory (USA, Australia & worldwide) - 3-statement financial models, startup fundraising projections, and board/lender-ready decks - Business valuation: DCF, comparable company analysis, precedent transactions - Financial forecasting, budgeting, scenario planning, and variance analysis - US GAAP-style financial statement preparation and month-end close support - Bookkeeping and reporting on QuickBooks, Xero, MYOB, and Zoho Books - Virtual/fractional CFO support: cash flow management, investor reporting, KPI dashboards (Note: I support projections, modeling, GAAP-style reporting, and advisory for US/Australian businesses, not licensed US tax return filing or Australian tax lodgement, which require a local CPA/EA or Registered Tax Agent credential.) India - GST registration, monthly/quarterly returns, GSTR-9/9C audits, e-way bills, ITC reconciliation - Income tax return filing, tax planning, scrutiny/appeal representation, NRI taxation - TDS return filing (24Q/26Q/27Q), Form 16/16A issuance, reconciliation with 26AS - ROC/MCA compliance: company & LLP incorporation, annual filings, director KYC - Statutory, tax, and internal audits - Startup advisory: entity structuring, Startup India registration, funding-readiness, DPIIT recognition UAE - VAT registration, quarterly returns, FTA health checks, refund applications, audit representation - Corporate Tax registration (EmaraTax), return filing, transfer pricing documentation - Business setup: mainland, free zone (JAFZA, DMCC, RAKEZ, IFZA, DIFC, ADGM and more), and offshore formation - Bank account opening support, visa & license processing Technology - Authorized Zoho Books and Odoo implementation partner, plus hands-on experience with QuickBooks, Xero, and MYOB. I set up, clean up, and run your books on cloud accounting so you always have real-time numbers. WHY WORK WITH ME - Backed by a 67-year, ICAI-registered firm, not a solo freelancer who disappears after the contract - Real cross-border experience across India, UAE, USA, and Australia - Direct partner-level attention on every engagement - Fast turnaround: queries answered within 24 hours Message me with what you need, a projections model, a valuation, ongoing bookkeeping, or GST/VAT compliance, and I'll scope it out.

Your AI initiatives are accelerating. Regulatory expectations are rising. Audits are becoming more demanding. I help organisations operationalise AI governance, technology risk, and enterprise GRC so governance becomes an enabler of business not a last-minute compliance exercise. Over the past 13+ years, I've worked across PwC, Wells Fargo, JP Morgan Chase, and Viatris, designing governance frameworks, leading technology risk assessments, strengthening audit readiness, and building operational risk programs for regulated organisations. Selected highlights 300+ business-critical applications assessed through enterprise control testing 230+ third-party vendors governed across the complete TPRM lifecycle 35% reduction in residual risk through structured remediation and governance improvements Core advisory services Operational AI Governance AI governance readiness assessments NIST AI RMF implementation EU AI Act readiness AI governance operating models AI risk and control frameworks Technology Risk & Enterprise GRC Enterprise control testing Technology risk assessments Risk and control design Governance operating models Executive risk reporting Audit Readiness ISO 27001 SOC 2 PCI DSS Evidence management Control remediation Audit-ready documentation Third-Party Risk Management Vendor risk frameworks Inherent risk assessments Due diligence Continuous monitoring Lifecycle governance My approach focuses on translating governance frameworks into practical operating models with clear ownership, decision accountability, and audit-ready evidence not simply producing policies that sit on a shelf. Alongside my advisory work, I publish independent research through AIforUI, covering operational AI governance, technology risk, and governance implementation for regulated organisations. I work with organisations globally and welcome engagements ranging from governance assessments and audit readiness to longer-term advisory and transformation programmes.

I am a CAMS-certified AML/KYC specialist and Merkle Science Certified Crypto Investigator (CCI) with 12+ years of experience across Big4 advisory, regulatory audits and hands-on AML/CFT program implementation for banks, NBFCs, fintechs, DNFBPs, VASPs and MSBs. I help organisations design and strengthen AML/CFT frameworks that stand up to regulatory inspections, audits and institutional due diligence, particularly across environments aligned with FATF standards. My core experience is built primarily in India and the UAE (RBI, SEBI, FIU-IND, CBUAE) and I support global clients by applying FATF-aligned methodologies across jurisdictions including the US, UK, EU, Canada and Australia. I focus on practical, regulator-aligned solutions - not theoretical frameworks. Clients I have worked with have achieved clean regulatory reviews, passed institutional due diligence audits and successfully completed FIU registrations across multiple jurisdictions. I have supported clients in: - Helped clients reduce identified compliance gaps by 30-40% through structured gap assessments and remediation programs - Preparing for regulatory inspections and audits - Strengthening KYC, transaction monitoring and sanctions frameworks - Building AML programs from the ground up When Clients Engage Me - Conducting independent AML reviews and preparing for regulatory inspections. - Setting up AML compliance for fintechs, MSBs or crypto exchanges. - Fixing weaknesses in KYC, EDD or transaction monitoring systems. - Responding to audit findings or investor due diligence. - Building AML frameworks for new or scaling regulated businesses. Core AML/KYC Compliance Services AML/CFT Programs & Risk Management - AML/CFT program design and implementation (FATF-aligned). - AML risk assessments, gap analysis and remediation planning. - Policy, procedure & SOP drafting tailored to regulatory environments. - Fractional / Interim Compliance Officer support. KYC / EDD / Sanctions Screening - KYC / KYB / CDD / EDD framework design. - Sanctions & PEP screening - OFAC/SDN, UN, EU, UK HMT. - Transaction monitoring program design and optimisation. - SAR / STR reporting frameworks. - Wolfsberg CBDDQ & correspondent banking due diligence. - OSINT-based investigations (UBO, directors, entities). Audit, Reporting & Regulatory Support - Independent AML/CFT audits and compliance testing. - FIU registration consulting (FIU-IND, MSB frameworks, advisory support globally). - Regulatory reporting reviews (SAR/STR, CTR, record-keeping). - Multi-jurisdiction AML advisory using FATF methodology. - Institutional investor AML due diligence support. Emerging & Digital Asset Compliance - AML frameworks for crypto exchanges and VASPs (FATF Rec. 15 aligned). - FIU-IND VDA SP registration advisory. - Travel Rule compliance gap assessments (FATF Rec. 16). - KYC / EDD frameworks for high-risk digital asset clients. Why Clients Choose Me - CAMS-certified AML specialist with Big4 foundation. - Deep financial crimes compliance experience + global applicability. - Strong expertise across banking and fintech environments, with a growing practice in crypto/VASP compliance. - Practical, audit-ready deliverables aligned with regulatory expectations. - Clear scoping, transparent communication and reliable execution. Frequently Asked Questions (FAQs) Q: Can you support clients across the globe? Yes. I apply FATF-aligned AML frameworks globally and adapt them to jurisdiction-specific requirements. Where needed, I work alongside local legal/regulatory experts. Q: What does an AML audit include? A full operational audit covers AML governance, KYC/CDD/EDD, sanctions screening, transaction monitoring, SAR/STR reporting, record-keeping, training and internal controls - with a structured remediation plan. Q: Do you support crypto and VASP compliance? Yes. I support AML framework design, VDA SP registration, FATF Rec. 15 compliance and Travel Rule readiness for crypto businesses. Q: What deliverables can I expect? AML policies, risk assessments, audit reports, KYC frameworks, SAR/STR templates, training materials and regulatory documentation. Core Skills: AML compliance consultant | KYC expert | CAMS certified | Financial crime compliance | FATF compliance | OFAC sanctions | FinCEN AML | MSB compliance | Crypto AML consultant | Transaction monitoring | SAR reporting | EDD | KYB | Compliance officer | AML audit | FIU registration | Fintech compliance | Blockchain AML | Regulatory compliance | RBI compliance | CBUAE compliance | AML program review | Compliance gap assessment | VASP AML | VDA SP compliance | Beneficial ownership | Wolfsberg Group | AML/CFT framework | Virtual asset compliance | Digital asset AML Looking for a compliance partner who delivers practical, regulator-ready solutions with integrity? Invite me to your project or send a message. I respond within 24 hours with a clear, honest assessment of how I can help!

Stop letting compliance block your enterprise sales deals. You have built a great product, but your biggest prospects enterprises, healthcare providers, and banks won't sign the contract until they see your ISO 27001 certificate or SOC 2 Type II report. You don't need a checklist or a template library. You need a strategic partner who can fast-track your audit readiness so you can focus on closing deals. I am a Fractional CISO and Lead Auditor specializing in turning compliance into a competitive advantage for high-growth startups and established enterprises. I don't just "write policies"; I architect the security infrastructure that builds trust with your customers. 🚀 THE "AUDIT-READY" BLUEPRINT I integrate seamlessly with your team (Slack/Teams) to deliver: SOC 2 & ISO 27001 Readiness: From Gap Analysis to Final Audit in 12-16 weeks. Automated Compliance (Vanta/Drata): I configure your Vanta, Drata, or Secureframe instance to automate 80% of evidence collection, saving your engineers hundreds of hours. AI Governance (ISO 42001): Future-proof your AI products against the EU AI Act and NIST AI RMF. Vendor Risk Management: I handle those 100-question security questionnaires from your clients so you don't have to. 🏆 WHY CLIENTS HIRE ME 100% Audit Pass Rate: I have guided 50+ companies through successful external audits. Commercial Focus: I prioritize controls that unblock revenue without slowing down your dev team. Certified Expert: Lead Auditor for ISO 9001, 27001, 14001, 45001. 🛠 TECH STACK Governance: Vanta, Drata, Sprinto, Secureframe. Cloud: AWS, Azure, Google Cloud (GCP). Frameworks: ISO 27001:2022, SOC 2 Type I & II, HIPAA, GDPR, ISO 42001 (AI). 🗣 WHAT CLIENTS SAY "Heena didn't just get us certified; she helped us close a $2M deal with a Fortune 500 bank by handling the security diligence personally." — CEO, FinTech Series B Next Step: If you have an audit deadline approaching or a sales deal stuck in security review, click the "Invite" button. Let's get you audit-ready.

TOP RATED Freelancer | 10+ Years of Experience | Your Trusted Compliance Partner 75+ clients served all with 5 * ratings The best Consultant if you are using Vanta, Drata, Scrut or Secureframe They call me "Mr. Compliance- and for good reason. While you focus on growing your business, I take care of everything compliance-related, ensuring you meet industry standards and win more deals with confidence. Whether it's SOC 2, ISO 27001, HIPAA, PCI DSS, CMMC, or FedRAMP, I make compliance effortless so you can unlock new opportunities without the hassle. Why Clients Trust Me: - Seamless Compliance: I simplify audits, security assessments, and certifications—no stress, no delays. - Growth-Driven Compliance: Compliance isn’t just a checkbox; it’s a competitive advantage. I help shorten sales cycles by getting you audit-ready fast. - End-to-End Support: From policies to risk assessments, vendor due diligence, and security questionnaires—I handle it all. - vCISO Services: Need expert guidance but not ready for a full-time CISO? I offer affordable virtual CISO (vCISO) solutions tailored to your business. - Security Strategy & TPRM: Managing third-party risks? Struggling with cloud or endpoint security? I’ve got you covered. - Maximizing Compliance Tools: Already using Vanta, Drata, Hyperproof, or Scrut but unsure what’s next? Let’s optimize your investment. Proactive, not reactive. I don’t just tick boxes—I future-proof your security and compliance programs. ** Tools & Frameworks: 🔹 Tools Expertise: JIRA, Vanta, Hyperproof, Drata, ServiceNow, AWS, Confluence, Archer, Scrut Automation 🔹 Compliance Frameworks: ISO 27001, SOC 2, FedRAMP, NIST, HIPAA, PCI-DSS, CMMC, TPRM, and more 📢 Ready to Make Compliance Work for You? Click "Invite" to connect, and let's build a stronger, more secure, and audit-ready business together. ⚠️ Note: If you're not fully committed to compliance or tend to be unresponsive, I may not be the right fit. I prioritize working with businesses serious about security and compliance success.

Strategic leader with over a decade of experience in trust & safety, risk management, and compliance at global security, fintech, and marketplace platforms. Proven expertise in architecting and scaling complex operational structures from the ground up while balancing business growth. Strong track record of directing always-on operations and collaborating with globally distributed teams across six countries. Pairing deep technical roots with executive-level operational strategy, I focus on efficiency and robust risk management, enabling me to build secure and scalable frameworks that act as a catalyst for sustainable business growth.