LAKSHAY RAI
Noida
Summary
Dynamic Payment Research Analyst at Barclays Global Service Centre with strong analytical skills and a keen attention to detail. Expert in resolving complex payment issues and improving processes, leveraging data analytics to enhance compliance and customer satisfaction. Proven ability to collaborate effectively and negotiate solutions that drive results.
Overview
9
9
years of professional experience
Work History
BA3- Payment Research Analyst USCB
Barclays Global Service Centre
04.2023 - Current
- Investigate and resolve missing, misrouted, and delayed payments, ensuring timely credit to customer accounts while maintaining compliance with regulatory and internal standards.
- Conduct in-depth payment research and due diligence using banking systems to track transaction history, identify discrepancies, and mitigate potential risks.
- Analyze customer payment behaviors to identify inconsistencies and escalate red flags related to financial risks.
- Collaborate with internal stakeholders (collections, customer service, and operations) to ensure efficient resolution of payment-related issues and alignment with compliance guidelines.
- Process adjustments, refunds, reversals, and re-aging while ensuring meticulous documentation and adherence to risk management policies.
- Monitor operational metrics and identify trends to recommend process improvements and enhance risk controls.
- Communicate with customers and third-party financial institutions to validate and resolve payment concerns professionally and efficiently.
- Ensure accurate documentation and reporting of payment investigations, supporting audit, compliance, and regulatory review processes.
- Contribute to a strong risk and control environment by adhering to internal frameworks, identifying gaps, and supporting policy enhancements.
Process Advisor
BA2- Barclays Global Service Centre
01.2022 - 03.2023
- Managed inbound and outbound calls to assist customers with overdue accounts, ensuring compliance with bank policies and regulations.
- Effectively handled customer queries and complaints, providing resolutions and escalating cases where necessary.
- Raised and tracked customer complaints to ensure timely resolution and service improvement.
- Negotiated and facilitated payment arrangements to help customers manage their outstanding balances.
- Ensured adherence to regulatory guidelines and internal risk policies while handling sensitive customer data.
- Collaborated with internal teams to improve collection strategies and enhance customer experience.
New Accounts Analyst
American Express
10.2015 - 02.2017
- Managed accounts payable and receivable processes, optimizing cash flow management and minimizing errors.
- Streamlined account reconciliation process, enhancing accuracy and reducing processing time.
- Collaborated with team members on budget preparation, ensuring alignment with company objectives.
- Coordinated month-end closing activities to ensure timely completion while adhering to accounting standards.
Education
Bachelor of Arts - Political Science
Delhi University - Shaheed Bhagat Singh College
New Delhi02-2017
Skills
- Strong analytical skills
- Microsoft Excel
- Data analytics
- Qualitative research
- Quantitative research
- High attention to detail
- Research protocol development
- Analytical mindset
Timeline
BA3- Payment Research Analyst USCB
Barclays Global Service Centre
04.2023 - Current
Process Advisor
BA2- Barclays Global Service Centre
01.2022 - 03.2023
New Accounts Analyst
American Express
10.2015 - 02.2017
Bachelor of Arts - Political Science
Delhi University - Shaheed Bhagat Singh College
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