About Norwell
We built the kind of firm owners usually wish they had earlier.
After years inside Big Four firms and global financial services engagements, Bilal Malik kept seeing the same pattern — businesses outgrowing their fragmented finance relationships without access to the kind of integrated financial thinking that large corporations took for granted. Norwell was built to close that gap.
The coordination problem
Most business owners manage three separate financial relationships: a bookkeeper who records activity, a tax preparer who files the return, and a part-time CFO who tries to plan from whatever reports are available.
That fragmentation is expensive. Taxes get filed on incomplete information. Forecasts rely on stale books. Compliance reacts to strategy instead of supporting it. The business pays for multiple relationships and still lacks one coherent financial picture.
Norwell was built around a different premise: bookkeeping, tax strategy, and CFO advisory should share data, rhythm, and accountability. When they do, business owners stop managing handoffs and start making better decisions.
“Small and mid-size businesses deserve the same quality of financial thinking that large corporations take for granted.”
— Muhammad Bilal Malik, Founder & CEO
The founder
M
Muhammad Bilal Malik
Founder & CEO
Bilal brings nearly a decade of experience at Grant Thornton and Deloitte to everything Norwell does. He began his career at Grant Thornton Pakistan in audit, serving banks, insurance companies, and petroleum firms, then deepened his expertise at Grant Thornton Riyadh across IFRS engagements for hospitality and insurance clients. He spent six years at Deloitte & Touche working across complex financial services — banks, private equity firms, investment valuation models, and non-performing loan portfolios — with technical work across both IFRS and US GAAP. He then joined Deloitte's San Francisco practice as a Senior Associate on PCAOB audits and SEC-registered clients, including Fortune 500 companies. His hands-on ERP experience with NetSuite, SAP, and Dynamics 365 means he understands how finance functions actually operate inside real organizations, not just in theory.
CBA — ICAPMBA — HELP UniversityCPA (US) in progressGrant Thornton AlumniDeloitte Alumni
Integration over isolation
Advisory work improves when every financial function can see the same operating reality.
Proactive over reactive
I would rather shape the year early than explain the damage at year-end.
Precision over volume
A deliberately small client roster creates room for senior attention and sharper judgment.
Candor always
The advice has to be useful, not merely pleasant. Clients hear what needs attention.
“The work only matters if it changes how decisions get made. Everything else is just compliance.”
— Muhammad Bilal Malik, Founder & CEO
Credentials & certifications
Licensed CPAs
State-licensed and actively practicing
Authorized ERO
IRS-authorized electronic return originator
CBA — ICAP
Certified Business Accountant, Institute of Chartered Accountants of Pakistan
Big Four Alumni
Grant Thornton and Deloitte experience across US, Pakistan, and Saudi Arabia
ERP Expertise
Hands-on experience with NetSuite, SAP, and Dynamics 365
Get in Touch
See where the gaps are. Let us show you what changes.
In one conversation, we'll talk through your current financial setup, identify where things are working and where they aren't, and explain what integrated bookkeeping, tax strategy, and CFO advisory would look like for your business.
No obligation. Response within one business day.