Gurusamy S
Team Lead - Banking Operations
Kovilpatti
Summary
Banking operations professional with 14+ years of experience in the BFSI sector at Tata Consultancy Services supporting global banking operations for Citibank. Experienced in International Fund Transfers, Payment Investigations, Financial Services Operations, FATCA tax form validation, and KYC compliance account closures. Strong knowledge of regulatory compliance, SWIFT transactions, and banking operations workflows.
Proven ability to lead high-performing teams, manage operational processes, and deliver accurate and efficient financial services while maintaining high standards of customer satisfaction and operational excellence. Demonstrated success in client relationship management, meeting SLA/KPI targets, and resolving complex banking queries in a fast-paced international banking environment.
Overview
2027
2027
years of professional experience
1
1
Language
Work History
Team Lead
Tata Consultancy Services
01.2020 - Current
- AML / KYC Compliance & Account Closure Operations
- Processed AML/KYC compliance account closure requests by validating client requirements and ensuring closure in accordance with regulatory and internal guidelines.
- Handled queries raised through internal workflow systems from multiple Lines of Business (LOB) including EWS, FIU, GIU, and CBSU.
- Collaborated with the Citibank BSSU onshore team to perform manual closures for Consumer and Commercial accounts due to reasons such as Fraud Block, KYC Block, Overdrawn Accounts, Customer Requests, and Inactive Accounts.
- Ensured proper fund disposition prior to account closure, transferring remaining balances to customers through cheque issuance or branch account credit.
- Processed fund transfers through multiple channels, including cheque issuance to end customers and branch account transfers.
- Conducted KYC / AML / EDD screening by verifying supporting documents through internal source systems to ensure compliance with regulatory standards.
- Managed team MIS reporting, preparing and sharing weekly and monthly performance reports with clients.
- Monitored daily volume inflow and workflow queues, engaging with stakeholders to ensure adherence to KPIs and service-level agreements (SLAs).
- Prepared Monthly Business Review (MBR) presentations for client governance meetings, highlighting operational performance, volumes, and key updates.
- Presented MBR reports to clients in governance calls, demonstrating strong communication and stakeholder management skills.
- Prioritized and organized tasks effectively to achieve operational targets and improve team performance.
- Application Handled: RSM - Rainbow service management, Eclipse, Citi sweep, CITISmart / TPX 44, Concierge /LexisNexis/World check
Subject Matter Expert
Tata Consultancy Services
2018 - 01.2020
- FATCA Compliance Operations
- Reviewed and processed FATCA tax documentation received from U.S. individuals, non-U.S. individuals, and business entities to ensure regulatory compliance.
- Handled periodic validation of tax forms including W-9, W-8BEN, W-8BEN-E, W-8IMY, and CRS self-certification forms.
- Utilized the IRS validation tool to verify the authenticity and accuracy of submitted tax forms.
- Assisted clients in validating tax documentation and provided guidance on correcting incomplete or inaccurate forms.
- Updated internal systems and communicated validation status and outcomes to clients based on IRS tool results.
- Rejected invalid submissions and requested resubmission of correct documentation as per FATCA compliance standards.
- Maintained strong knowledge of FATCA regulations and compliance requirements through continuous training and professional development.
- Application Handled: Stars / Pega, IRS - Indian Revenue Service, GFCID, KYC Application
Senior Process Associate
Tata Consultancy Services
01.2011 - 2018
- Payments Operations Analyst – INPS (Italian Public Sector) | Citibank - Investigation/ Fund Transfers
- Managed customer queries related to INPS payments received from clients, beneficiary banks, and end beneficiaries through internal workflow systems.
- Processed and analyzed payment-related queries including recall of funds, beneficiary non-receipt claims, amendment requests, inability to apply funds, return of funds, and re-effecting payments via wire or cheque.
- Investigated cases received via SWIFT messages (MT199, MT999) and validated payment instructions through SWIFT MT103 / MT202 for wire transactions.
- Created and managed internal cases in Star / Pega workflow applications, documenting daily activities, case status updates, and attaching supporting evidence from relevant systems.
- Maintained detailed transaction timelines, case records, and audit documentation to ensure transparency and compliance.
- Handled multiple payment types including SEPA, ACH, Wire Transfers, and Cheques.
- Performed reconciliation of outstanding funds and ensured accurate tracking of payment status.
- Conducted OFAC screening and compliance checks to ensure regulatory adherence.
- Coordinated with internal teams and external banks using SWIFT messages, Telex, email, and phone communication.
- Consistently met client KPIs and service-level agreements (SLAs) while ensuring timely resolution of payment investigations.
- Application handled: GPP (Global Process), H2H/TPX44 (Hose2Hose), GBS (Global Bank Search), CD - (Citi Direct), ALTO (Alto processor for SEPA transactions), LMS (Liquidity Monitoring Systems)
Education
B.Com - Commerce
Sree Narayana Guru College
CoimbatoreMBA - Finance Accounting
Madras University - Distance Education
Chennai04-2014
Skills
International Fund transfer
Reconciliation
Tax form validation
Regulatory compliance
FATCA regulations
Monthly Business Review (MBR) Reporting
Stakeholder Management
Advance MS Excel
KYC / KYC SCreening - EDD / CDD / Saction screening/ Risk rating
KYC Remediation / Periodic Review
OFAC Screening
SWIFT Message Handling (MT103, MT202, MT199, MT999)
SLA & KPI Monitoring
Microsoft PowerPoint (Client MBR Reporting)
Wire / SEPA / ACH Payments investigation
Sanctions & OFAC Screening
Awards, Accomplishments, and Honors
Certified Contextual Master in TCS, Certified Green belt - Successfully implemented project idea which placed in the quality control. Achieved Start Performer Awards, Achieved Lead in front Award.
Declaration
I assure all the detils mentoned above are true to the best of my knowledge and if given an opportunity. I wil do my best to the expectation. Signature , Gurusamy S Date
Personal Details
- Date of Birth : 15 July 1988
- Nationality : India
Address Communication
No 880B/1, Muthu Nagar, Kovilpatti, Tuticorin District , 628501
Timeline
Team Lead
Tata Consultancy Services
01.2020 - Current
Senior Process Associate
Tata Consultancy Services
01.2011 - 2018
B.Com - Commerce
Sree Narayana Guru College
Subject Matter Expert
Tata Consultancy Services
2018 - 01.2020
MBA - Finance Accounting
Madras University - Distance Education