Anup Pande

Working as Solution Lead/Senior Business Analyst in core banking domain. Responsibility includes end to end project delivery which includes project estimation (sizing), requirement gathering and elicitation, solution designing, testing and delivery of the project. Major area of work is customer management, fraud prevention solution, debit cards. Below are major projects delivered,

• 1. Anti-spoofing Solution - As part of fraud prevention, I have developed a solution for phone number spoofing fraudulent activity. This solution has been developed with collaboration of telecom vendor.
• 2. Kill Switch Functionality - Whenever bank customer suspects any fraudulent activity on accounts/cards or any breach of confidential information, customer can block all accounts/cards temporarily. With this function bank user can block customer's accounts/cards in one go. This function is available to customer also from digital channels. This function takes very less amount of time to secure customer's cards/accounts, resulting in reduced risk of monetary loss to customers.
• 3. SB Pay - New wallet functionality developed specifically for Russia
• 4. 8 Digit Bin implementation - As per association mandate, the debit card BINs would be upgraded from current 6 digit to 8 digit. I have implemented this project for all markets.
• 5. Stock investor ID regime implementation for HK and China
• 6. GDPR implementation
• Apart from my responsibilities as solution lead, I am also conducting trainings for new BAs with respect processes and on end to end project delivery.

Worked as Business analyst on hosted core banking solution. Major responsibilities were as follows,

• · Looked after Originations for liability and asset products of the bank
• · Regular project work like new requirements for analysis and implementation, impact analysis etc.
• · Conducting regular meetings with the onsite stakeholder to ensure requirements are well understood by the off shore teams.
• · Unit/QA testing for the defects resolved
• · Partnering with Development Leads to identify opportunities for better collaboration and product improvements
• · Worked on functional issues raised by clients on retail banking platform and other related applications such as AML solution, Reporting solution and other third-party products
• · Worked on application changes and code changes if requested by clients as well as any anomalies identified while monitoring.
• · Worked on payments issues raised by the banks and issues reported in Monitoring
• · Review of rules on AML and fraud scenarios and periodic changes as per the regulator guidelines
• · Undertake regular change management and problem management to ensure application issues are fixed in specified time.
• · Also worked on GDPR requirements specified by EU regulators with amendment in current configuration of the core banking application such as amendment and enhancement in current customer data protection configuration to incorporate right to be forgotten and right to information customers
• · Functional knowledge of Functional specifications, SDLC, BRD and other business analysis techniques.
• · Functional knowledge of credit card transactions and risk of fraud in credit card transactions
• · Also impart banking products/domain training to other team members
• Accomplishments: Received Fiserv living proof awards like Level 4, Level 3, Level 2 on multiple occasions

Worked as Senior associate in Anti-Money Laundering domain.

Major responsibilities were as follows,

• Performed detailed analyses to detect patterns, trends, anomalies and schemes in transactions and relationships across multiple businesses/products.
• Worked as subject matter expert (SME) and helping the team to resolve their queries, giving the new process updates, clarifying the banking concepts.
• Conducting he deep investigation on case from identifying the ultimate source of fund and ultimate
• utilization with proper justifications and reason for triggered transactions.
• Used transactional and customer records, external data, publicly- available information, and other
• information to identify suspicious or unusual activity.
• Maintain strong investigative skills; the ability to work independently, demonstrated extensive banking and
• Compliance knowledge.
• Identified multiple significant cases, red flags and patterns associated with the laundering of illicit funds.
• Reported many suspicious and unusual cases to level 3 for holistic review.
• Determined and implemented additional steps, validating KYC risk compliance based on research of customer records, verification of account purpose and legitimacy, analysis of transaction activity.
• Researched and conducting negative and positive check of client information via Google and LexisNexis.
• Submitting PEP's to compliance, after been identified to be added on SDN list.
• Reviewing and updating KYC files with missing and updated information to satisfy compliance requirements.
• Contacting Relationship Manager, for further information when EDD is conducted and raising queries.
• with RM for transactions confirmation from customer.
• Responsible to prepare & submit narrative summary of findings for each individual review, including a detailed recommendation for further action.
• Train new employees on the various tasks & daily systems.
• Reviewed Risk Management database reports for compliance and fraud prevention and reported all
• suspicious activities.
• Accountable for documenting and reporting investigation findings in case management system.
• Assist in periodic review of surveillance program or process to address control and risk areas.
• Produce surveillance reports and analysis within the standard turnaround time with proper documentation
• and reporting of findings of alerts investigations, follow-ups and escalations.
• Accomplishments: Received multiple “employee of the month” awards from TCS

Worked in Branch banking operation department as Branch serivce partner.

Major Responsibilities

• Skilled in branch operations, managing cash, clearing, and customer services, audit and compliance in branch. Analyse customer financial needs.
• Also handling account opening for SA, CA, TASC etc.
• Working on clearing process and reconciliation of bank office accounts.
• Also has functional knowledge of letters of credit, bill discounting, bank guarantees and factoring.
• Functional knowledge of Corporate Banking processes for working capital term loans and cash credit.
• Functional knowledge of NRI liability products and Double Taxation Avoidance agreement benefits.
• Functional knowledge of branch Audit.
• Maintained a cordial relationship with the bank customer as he is the first point of contact in case of any disputes or misconception regarding bank services.

Addressed and handled complaints and grievances of new and existing customers regarding banking facilities.

Worked in Branch banking operations department.

Major responsibilities

• Worked in branch banking operations such as account opening, cash, clearing process and reconciliation of clearing accounts.
• Also worked on Micro banking loans on disbursement and reconciliation.
• Also worked on corporate banking relationships such as CMS, salary account relationships, TRUSTS, NGO.

Successfully executed the cross sells strategies and successful efforts made to increase the branch revenue through customer engagement.

Worked as an Officer in retail banking group.

Responsibilities

• Handled branch banking operations and NRI customers.
• Also worked on NRI Banking products such as NRE-NRO, FCNR accounts and DTAA benefits.
• Also worked on a project on productivity enhancement, in which I need to identify processes with which productivity of the officer will be enhanced, resulting in improvement in customer service. I am glad to state that the after implementing the suggestions the productivity improved by 10-15%.