GURJOT KAUR
Summary
Detail-oriented finance professional with expertise in international taxation, payroll management, accounting, and financial operations. Proficient in ensuring regulatory compliance, optimizing financial processes, and maintaining accuracy in fast-paced environments. Strong communicator with analytical skills and a proven ability to build client relationships and meet deadlines. Seeking a challenging role to apply expertise in accounting, tax operations, and payroll management, while driving tax solutions and improving financial efficiency.
Overview
11
11
years of professional experience
Work History
Semi Senior Accountant
GARDNER WEBB ACCOUNTING LTD.
Northampton, United Kingdom
03.2024 - Current
- Perform bookkeeping, monthly bank reconciliations, and maintain accurate financial records for clients across diverse sectors in the UK, including limited companies (SMEs), retail & consumer goods, food & beverage manufacturing, construction (CIS), plumbing & heating, cleaning services, and self-employed professionals, while ensuring compliance with regulatory standards.
- Manage payroll processing, including tax calculations, pensions, statutory deductions, and the preparation of P11, P60, and P32 forms. Review and verify timesheets for accuracy, handle employee changes such as new hires and updates to employee information, adjust leave entitlements, resolve payroll queries, and submit e-filings.
- Prepare and coordinate VAT returns for clients across multiple industries, ensuring compliance with UK tax regulations. In addition, perform VAT reconciliations, manage liabilities, resolve discrepancies, and collaborate with HMRC to stay informed on tax law changes.
- Coordinate tax filings for individual clients in the UK, and prepare Self Assessment tax returns in line with personal income tax regulations.
International Tax Analyst
JP MORGAN CHASE & CO.
Mumbai, India
11.2021 - 01.2024
- Prepared and filed international tax reclaims for JP Morgan's Global Custody clients, including government entities, pension funds, asset managers, corporations, and trusts, while ensuring compliance with double taxation relief treaties and providing withholding tax services through retrospective reclaims.
- Effectively liaised with sub-custodian banks across the EMEA region, including key markets such as the UK, Poland, Germany, and Denmark, to streamline reclaim filings, manage rejections, oversee reporting, handle WHT documentation, and facilitate successful refund processing.
- Filed Relief at Source (RAS) reclaims with sub-custodian banks across global markets; performed detailed analysis to ensure timely and accurate submissions, reduced tax liabilities for clients, and ensured smooth processes to improve tax outcomes
- Successfully supported client relationships across EMEA and APAC by handling inquiries, collaborating with sub-custodians to operationalise changes, and ensuring accurate tax RAS documentation, which optimised tax outcomes and enhanced service delivery.
- Conducted meticulous reconciliation of account-level holding positions with agent-provided details on record/Ex-date-1, using BANCS and Cosmic systems to ensure data integrity and accuracy.
- Prepared and published daily/weekly MIS reports, including transaction status updates, ensuring 100% accuracy in deliverables.
- Worked independently with supervision and escalated complex issues as necessary to resolve them in a timely manner.
Tax Associate
YARDI PRABHU & ASSOCIATES LLP
Mumbai, India
06.2018 - 10.2021
- Filed income tax returns for HNW clients, private limited companies, individuals, partnership firms, trusts, and corporates, with a strong focus on tax planning, investment advisory services, and tax optimisation strategies.
- Managed payroll tax deductions for 200+ salaried employees in compliance with Indian tax laws, filing monthly/quarterly returns (similar to the UK's PAYE system), ensuring accurate calculations and timely remittance.
- Specialised in calculating capital gains from the sale of property or funds, ensuring tax efficiency, compliance with regulations, and minimisation of client liabilities.
- Proactively collaborated with clients year-round to minimise tax liabilities, leveraging available tax credits and optimising tax strategies for improved financial outcomes.
- Led a team in processing high volumes of tax filings, ensuring accuracy, timely delivery, and compliance with all relevant tax regulations.
Account Executive
PRINCE METAL WORKS
Mumbai, India
03.2015 - 05.2018
- Processed general accounting tasks, including journal entries, account reconciliations, and balance sheet analysis to maintain financial accuracy.
- Prepared monthly financial reports, including Profit & Loss statements, inventory reports, and reconciliations of accounts receivable and accounts payable.
- Managed month-end close procedures, ensuring timely and accurate completion of financial statements and reconciliation of discrepancies.
- Conducted weekly reviews of sales and payroll results, comparing actuals to budgeted figures to identify variances and recommend adjustments.
- Trained and mentored new account executives, improving team collaboration and enhancing departmental efficiency.
Management Trainee
PUNJAB AND MAHARASHTRA CO-OP BANK LTD.
Mumbai, India
04.2014 - 02.2015
- Delivered front-line customer service, managing inquiries and assisting customers with daily banking transactions, including deposits, withdrawals, and cheque processing.
- Executed wire transfers, stop payments, and tax invoice processing with high accuracy.
- Resolved customer issues promptly and efficiently, ensuring high satisfaction and maintaining strong relationships.
- Ensured the safety and confidentiality of customer information by adhering to bank security policies.
Education
Master of Science - Accounting And Finance
University of Northampton
United Kingdom01-2025
FMVA®- Financial Modeling And Valuation Analyst -
Corporate Finance Institute
Canada01-2024
Bachelor of Commerce in Accounting & Finance -
Mumbai University
Mumbai01-2011
Skills
Technical Skills
- UK VAT returns, Corporate Tax, Self-Assessment, and CIS submissions
- Payroll processing, PAYE, P11D, P60 & RTI Submissions
- Bookkeeping, Financial Statement Preparation
- Financial Analysis & Modelling
- Sound knowledge of current affairs
Software Skills
- Advanced Excel, Word, PowerPoint, Outlook, Google Workspace
- Xero, QuickBooks, Sage Payroll, NetSuite, Tally ERP, SAP
- Xceptor, BANCS, Cosmic, Pega PRPC (SWIFT messages)
- Thomson Reuters Eikon
- Finacle, Alteryx
Soft Skills
- Strong Communication & Interpersonal Skills
- Leadership & Team Collaboration
- Problem solving
- Quick learner
- Time management
- Attention to detail
- Client Relationship Management
Accomplishments
- Payroll, Tax Accounting & UK VAT Certification –Reed & Alison (2024, 2025)
- IELTS (Overall Band 7)– June 2023
- Winner – 'Skills of the Future' Award (2022)– recognised for commitment to professional development in global tax analysis and compliance
- Winner – 'Power of One' Award (2020)– for outstanding individual performance
- Certificate of Recognition – JP Morgan Chase & Co. (June 2022) – Awarded for exceptional performance and contributions
- Recognised by Global Head – International Tax Client Service (Dec 2023)– provided precise updates during weekly statute reclaim calls, enhancing communication and decision-making
- Alteryx Foundation Certification– Micro-Credentials Program (2022)
- Certificate in Capital Markets (A+ Grade), 2009
Languages
English
Hindi
Punjabi
Marathi
HOBBIES & INTERESTS
- Reading
- Listening to music
- Travelling
- Cooking
Timeline
Semi Senior Accountant
GARDNER WEBB ACCOUNTING LTD.
03.2024 - Current
International Tax Analyst
JP MORGAN CHASE & CO.
11.2021 - 01.2024
Tax Associate
YARDI PRABHU & ASSOCIATES LLP
06.2018 - 10.2021
Account Executive
PRINCE METAL WORKS
03.2015 - 05.2018
Management Trainee
PUNJAB AND MAHARASHTRA CO-OP BANK LTD.
04.2014 - 02.2015
Master of Science - Accounting And Finance
University of Northampton
FMVA®- Financial Modeling And Valuation Analyst -
Corporate Finance Institute
Bachelor of Commerce in Accounting & Finance -
Mumbai University