LO TSZ CHING ELLA

Shanghai Commercial Bank Limited

• Performed impairment assessment over and evaluated repayment capability of Bank’s customers
• Oversaw Bank’s expected credit losses models/scorecards/segmentations that predict customer behavior such as delinquency, write-off, payment rate, revolve rate, and profitability
• Assisted in evaluating adequacy, effectiveness and efficiency of systems of internal control within the Bank and overall quality of ongoing operations

Schroder Funds

• Executed audit testing to ensure audit work done is focused on right areas and documentation meets high quality standards for SFC and Non-SFC Authorized Funds
• Performed review on investment valuation for all funds by comparing price per client against price per external sources including Bloomberg, Reuters, and brokers' quote

Shenzhen IPO Project – Pagoda

• Prepared bank balances, borrowings, revenue and expenses disclosure notes and proposed adjustments
• Carried out test of control and substantive procedures
• Maintained control over PRC external confirmation process to ensure they are properly filed
• Confirmed bank accounts and special arrangements, and tested bank reconciliation

• Completed set of disclosure statements for Indian bank client
• Applied different audit procedures such as substantive tests, test of controls, and analytical procedures
• Improved client relations through effective communication and collaboration during the assurance process