KARTHICK ASHOK KUMAR
Pune
Summary
Results-oriented banking operations professional with 15+ years of experience in corporate operations, funds transfers, and client servicing. Skilled in regulatory reporting, audit readiness, KYC processes, and process improvement initiatives. Proven leadership in managing high-risk functions and cross-functional collaboration with IT, Risk, and Compliance teams. Strong expertise in handling exception management, automation, and testing processes. Adept at documentation, stakeholder communication, and maintaining high standards of control.
Overview
16
16
years of professional experience
Work History
Ops Supervisor – Subject Matter Expert
Citi Bank
Pune
11.2023 - Current
- Managed end-to-end funds transfer operations, including domestic and international payments, SWIFT messages (MT103, MT202, MT910, MT199, MT999), and ISO20022 messages (PACS.008, PACS.004, PACS.002, PACS.009, PAIN).
- Handled clearing and settlement processes, including inward/outward check clearance through ECCS, issuance and cancellation of demand drafts, and settlement of foreign currency checks through International Cash Letter Service.
- Ensured risk management and compliance by identifying operational risks, preventing fraudulent transactions, preparing risk review reports, and supporting internal and external audits.
- Designed and implemented QA processes, trained team members on test execution, and provided metrics reporting to clients.
- Proposed and implemented automation solutions resulting in cost savings, reduced manual effort, improved accuracy, and faster turnaround times.
- Supervised and mentored team members, addressed issues with management, and supported career development initiatives.
- Supported system migrations and process re-engineering while ensuring business continuity and client satisfaction during high-volume and critical issue periods.
- Proficient in Flexcube, Systematics, ECCS, CitiDirect, and Direct Debit Systems
Team Leader
TCS, Citigroup
Chennai
05.2009 - 11.2023
- Directed a 15-member team overseeing end-to-end funds transfer operations, ensuring smooth execution of domestic and international transactions.
- Supervised the exchange of electronic messages between financial institutions to initiate accurate debit and credit entries for fund transfers.
- Managed Citibank Dubai fund transfers, where processes varied based on transfer type and fund destination, while adhering to global banking standards.
- Oversaw inward and outward remittances, issuance and cancellation of demand drafts, and check clearing through ECCS.
- Implemented strong risk management and audit controls to prevent fraud, minimize errors, and maintain regulatory compliance.
- Delivered consistent results by maintaining accuracy, timeliness, and client satisfaction, even during high-volume and critical operating conditions.
- Coordinated settlement of foreign currency transactions, including handling of International Cash Letter Services.
Education
Bachelor of Business Administration -
Madras University
01.2006
Diploma -
Electronics and Communication Engineering
01.2003
Skills
- SQL
- Manual Testing
- Payment systems knowledge
- Process automation
- Compliance auditing
- Client relationship management
- Problem solving
- Performance evaluation
- Process improvement
- Workflow management
Accomplishments
- Received 6 gratitude awards in a year 2024 -2025
- Awarded the best performer in 2009
- Awarded the best performer in 2010.
Languages
- English
- Tamil
Personal Information
- Passport Number: U1704866
- Date of Birth: 12/09/83
- Gender: Male
- Nationality: Indian
- Marital Status: Married
Timeline
Ops Supervisor – Subject Matter Expert
Citi Bank
11.2023 - Current
Team Leader
TCS, Citigroup
05.2009 - 11.2023
Bachelor of Business Administration -
Madras University
Diploma -
Electronics and Communication Engineering
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