AVINASH D WANGILKAR

 Leading a Team of 9 members for UPI /UPI Lite /IMPS/BBPS/BILL DESK – Recon, Settlement, Dispute at Central
processing department.
 Successfully started a UPI UDIR System.
 Successfully started UPI Merchant Transaction Recon and Dispute.
 Successfully executed UPI Lite recon process as USFB is first small finance bank to launch upi Lite
 UPI Merchant offline onboarding on mindgate admin portal, checking KYC related doc.
 Generating VPA For UPI Onborded Merchant & Updating settlement Account.
 Team is Processing End to end Three way UPI/UPI Lite/IMPS recon, manually on Excel.
 Making RBI mirror Account Zero on T+1 by settling internal Beneficiary and Remitter Account
 UPI Lite wallet pool A/c is being settled with UPI Financial Transactions and matching with NPCI Wallet balance.
 Updating UPI /IMPS Flagging Transaction such DRC, RRC, RET, TTC, COMPLAINT RAISE etc.
 Processing GL Justification for Remitter and beneficiary and making Zero on daily basis as well tracking
disputes and adjustment GL.
 Tracking CBS Failed Txns and reversing as per RBI Harmonization TAT.
 Managing All Disputes of IMPS/UPI Txns as per NPCI TAT and providing resolution accordingly such as remitter
chargeback, beneficiary chargeback Tracking, Acceptances or re-presentment, Deemed chargeback, prearbitration ETC.
 Following UP with NPCI Team, and respective vendors if any issues or query.
 Providing GL Substantial reports to Audit Team on Monthly basis for respective GL
 Answering to internal Auditors Txn related queries
 Functionally Assisting to IT Team to develop the Recon application with help of vendor
 Presenting monthly Txns Volume data with Fee and charges details to business Team.
 CRM cases are being closed by Team on daily basis.
 Team is manually Onboarding UPI Merchant by validating respective documents.
 Developing Tools from Vendor or Internal IT Team as per Agile methodology.
 Providing BRD Documents for Under Developing recon related products as per NPCI and RBI Guidelines
 Tested UPI 3.0 Version on UAT and given Feedback to IT Team & Vendor
 Presenting system requirement documents as per New Changes Circular from NPCI & RBI
 Checking UAT Sanity for CBS and other Tool.
 Successfully Accounting entries changes done from branch SOL to Head Office Sol for UPI Remitter and
Beneficiary GL.
 Successfully Launch Accounts status checking Tool with the help of internal IT Team. Which is very helpful for
bank.

Visa Issuing Recon (ATM & POS)
 Processing Visa Network Debit Card 3 Way ATM & POS Recon & Settlements for Axis Bank.
 Downloading CBS File from Finacle for Visa POS On Us Payable, POS Off Us payable & ATM Payable GL & cross
checking with Next Day Opening GL balance.
 Downloading Visa Interchange Files from SFTP Server which are being received from Atos Team, checking all
Received Files & modifying the same for recon processing.
 Visa Debit card recon has been categorized in Four Type.
I] Visa POS Us on US Recon ii] Visa issuing Recon POS & ATM iii] M Visa Recon iv] VFF Recon
 Extracting Switch TLF & PTLF File at DCRS Latest Application for all Debit Card Network
 Extracting Visa ATM & POS On Us, Off Us & VFF Transaction GL Files (HOST)
 Extracting Visa Debit Card Interchange Files (POS On us, POS EMV, MIGS, IC FILES, M VISA)
 Processing Merchant Refund for all OFF US & ON US Atm & Pos Transaction on T+4
 Generating TTUMM File (Trickle Feed) & posting same to Finacle through DCRS App.
 Checking Rejected Trickle Transaction due to inactive of Customer Account, for same posting a manually
finacle batch to Branch account
 Processing 3-way Recon between Switch VS Host VS Interchange for all ATM & POS Off us & On US, M VISA,
VFF Txn.
 Generating TIPS & Charges Trickle Feed & posting the same.
 Processing FORCE MATCH transaction scenario for CTF, ILF & HST Transaction & According to scenario
generating Trickle Feed on T+4.
 Posting all CTF, ILF & HST Transaction ESB Batch (TTUM) to Finacle through DCRS application.
 Checking Non posted transaction in posted TTUM Due to inactive of customer account, preparing manual
trickle feed and posting same entry to branch network account.
 For all Recon Generating GL Justification Report to match opening GL balances, Reconciled Transactions &
Unreconciled transaction GL balances on daily basis.
 Co coordinating with bank Dispute Team & Accounting Team for query pertained to Visa Recon.
 Preparing various MIS Reports on monthly basis for VISA Debit Card Recon.
 Successfully started Robotics recon- Raised BRD, Tested UAT sanity.
 Robotics recon started together in all recon system enviourment like CBS, Switch, FSS recon Toll, interchange.

 Rupay Acquiring Recon (ECOM & POS )

 Processing Rupay Acquiring Ecom and POS two-way Recon for ATOS /MSWIPE /ISG vendors between CBS
& Rupay raw files settlement for 4 cycles.
 Downloading Domestic, International & QR Raw files which is including DMS, SMS, Dispute data. As well
downloading CBS Files from Finacle.
 Uploading Rupay raw files and CBS File into FSS DCRS System.
 Generating system voucher for same and cross checking with DSR Settlements for all Cycles which should
zero then we can proceed for recon process.
 After tallying the voucher amount, initiating recon process.
 Generating GL Justification Report which is contained opening and closing balance of short and excess GL
which should be matched if any differences occurred then need to take action accordingly.
 Excess Short settlement TTUM Posting
 Raising credit adjustment for Excess pending Txn which are not present in CBS payment file
 Giving chargeback acceptance confirmation for unreconciled excess amount
 Maintain monthly mis & sharing concurn audit data to inter audit Team.
 Successfully started Robotics recon- Raised BRD, Tested UAT sanity.
 Robotics recon started together in all recon system enviourment like CBS, Switch, FSS recon Toll, NPCI.

FO ATM/POS RECON-

 worked on site Project of State bank of India at Reconciliation & Settlements Department.

Processing ATM & POS 3-way Reconciliation & Settlements for SBI Foreign Offices (11 country)
 Downloading CBS, Switch files, Interchange Raw files & Settlement files (Master card & visa) from SBI SFG
Server (SBI Files Sharing System)
 Checking all Raw Files Before processing for reconciliation like date, Header Footer, country wise files etc.
 Processing Finacle CBS Files Extraction & Switch Log Files (TLF & PTLF) Extraction in FSS DCRS system for
recon purpose
 Processing Recon Between Finacle CBS Files & Switch Log Files (TLF & PTLF)
 Generating Switch Reports & Host Recon reports for SBGROUP Country
 Extracting Interchange Acquiring & Issuing files (Visa & Master Card) for respective Country in FSS DCRS
Interchange System.
 Switch data insert on DCRS interchange system to execute recon between Switch and Interchange.
 Executing Reconciliation process between SWITCH and Interchange (Visa /Master Card)for Acquiring & Issuing
Transactions of respective countries
 Checking MDU & MDS (Master Card) Extracted Transaction reports with Master Card Settlement (TT140 &
TT461) reports.
 Checking Visa issuing & acquiring Extraction Reports with Visa Settlements.
 on Daily basis sharing FO Switch reports, Host ATM recon reports, Visa / Master Card Recon reports &
Settlement files to respective Country (SB Group banks)
 Coordinating with SBGROUP Banks to solve recon & settlement related queries.
 Executing basic SQL queries.
 Checking productions logs if any error occurred and sending same to FSS Development Team
 Making BRD as per system requirement and sharing same to internal FSS Team.
 Testing new requirement on UAT and providing feedback to development Team.
 Checking UAT sanity.

• EXPENSES PAYABLE
   Checking and processing of all payment requests related to employee and vendor
   Scrutiny & Verification of Expenses Supporting To see that payment to be made is as per Company’s norm.
   Approving Expenses in respective GL Codes
   Preparing cheque/DD/NEFT/Fund Transfer Payment in excel as per respective banks uploading format.
   Passing all payment entries related to employee payment and vendor payment in various Bank GL Codes.
   Interact with BRS team and solving queries.
   Reconciliation of the payments and monitor accounts to ensure payments are made up to date and resolve any
  discrepancies.
   Interacting with Internal Auditor and solving audit queries.
   Preparing Various MIS Report (Bank wise payment Report, Cheque/DD cancellation Report, NEFT rejection
  Report.)