Anandu Padinjarepariadath
Global Payments, Forex & Transaction Operations Specialist
Thrissur
Summary
Results-oriented and highly analytical global payments and transaction operations specialist with over 5 years of extensive experience in optimizing cross-border payment lifecycles, foreign exchange (FX) cash operations, and inward/outward remittance processing.
Overview
1
1
Language
6
6
years of professional experience
3
3
Certificates
Work History
Branch Assistant Manager & Product Head – Global Payments & Forex
Wizzmoni Financial Services Ltd (Formerly Unimoni Financial Services Ltd)
08.2020 - Current
- Validated and authorized complex transaction details for end-to-end payment processing across partner bank portals.
- Monitored payment statuses throughout the lifecycle to ensure seamless credit to beneficiaries.
- Acted as primary authorizer for high-volume cross-border remittances, implementing risk mitigation controls.
- Executed comprehensive KYC checks and PEP vetting for client onboarding in compliance with regulations.
- Managed investigation of exceptional cases, tracing missing credits and processing payment recalls.
- Performed daily cash and nostro/vostro fund reconciliations, ensuring accurate matching with regulatory proofs.
- Supervised high-volume branch operations, managing resources and tracking operational KPIs effectively.
- Lead team in absence of branch manager, maintaining workflow efficiency and productivity.
Education
Bachelor of Commerce (B.Com) -
University of Calicut
04-2019
Skills
Transaction Processing: Cross-Border Remittances, Inward/Outward Payments, Maker-Checker Authorization, Cash Settlement, Multi-Currency Handling
Foreign Exchange: FX Purchase & Sales, Travel Cards Issuance, Corporate Trade Finance, Multi-National Currency Management
Compliance & Risk: KYC Auditing & Onboarding, Anti-Money Laundering (AML), Sanctions & PEP Screening, FEMA Guidelines, RBI Rules, LRS Limits
Technical Standards: SWIFT MT103, MT199, MT192, ISO 20022 Migration Frameworks (pacs, camt, pain architectures), FED Payments, ACH Validation
Tools & Systems: Partner Bank Portals, CRM Onboarding Tools, Vendor Systems (Western Union, MoneyGram, Transfast, Ria), Advanced Excel (Pivot Tables, VLOOKUP)
Operations & Leadership: Team Guidance & Mentoring, Resource Allocation, Performance Tracking (KPIs), Shift Management, Escalation Resolution
Timeline
Branch Assistant Manager & Product Head – Global Payments & Forex
Wizzmoni Financial Services Ltd (Formerly Unimoni Financial Services Ltd)
08.2020 - Current
Bachelor of Commerce (B.Com) -
University of Calicut
Certification
FEMA Compliance Training & Assessment (Certified)
LANGUAGES
English (Fluent)
Advanced (C1)
Malayalam (Native)
Bilingual or Proficient (C2)
Tamil (Basic)
Upper intermediate (B2)
Hindi (Basic)
Intermediate (B1)
Accomplishments
- Operational Excellence: Consistently maintained an outstanding transaction and data verification accuracy rate of above 99.8% while supervising and processing high-value global financial movements monthly.
- Process Optimization: Resolved persistent bottlenecks in non-STP and delayed international transactions through root-cause analysis, drastically maximizing customer retention and brand equity.