Maria Princy J
Bangalore
Summary
Accomplished Operations Specialist with 7.5 years of progressive experience in the digital payments industry, specializing in merchant onboarding and business operations management. Proven track record of successfully leading teams to achieve operational excellence by streamlining processes and enhancing the merchant onboarding experience. Adept in regulatory compliance, EDD, CDD, KYC, AML, team management, and cross-functional collaboration. Seeking a challenging opportunity to leverage domain expertise and leadership abilities in a dynamic organization.
Overview
8
8
years of professional experience
Work History
Assistant Manager - Operations
Cashfree Payments India Pvt Ltd, Bangalore
Bangalore
08.2020 - Current
- Optimized and streamlined the merchant onboarding process to enhance efficiency and user experience.
- Led process automation initiatives, reducing onboarding TAT, improving efficiency, and minimizing errors.
- Ensured compliance with regulatory requirements and internal policies throughout the onboarding lifecycle.
- Led AML, EDD, sanctions, and PEP screening for high-risk merchant categories, including gaming, NBFCs, and utility merchants.
- Established the CPV (Contact Point Verification) process from scratch, defining workflows, and standard operating procedures (SOPs).
- Maintained 100% compliance during internal and external audits (RBI or third-party reviews).
- Leveraged data insights to enhance team performance and refine the onboarding process. Closely monitor key metrics, provide actionable insights to the management, and recommend process improvements.
- Oversaw a team of 10+ associates, managed performance reviews, and mentored high-potential employees for internal growth.
- Designed and ran weekly review meetings, goal-setting sessions, and performance dashboards for visibility across stakeholders.
- Regularly roll out key process updates, and train team members on new process changes.
Management Trainee
Computer Age Management Services (CAMS), Chennai
Chennai
12.2017 - 08.2020
- Manage and streamline merchant documentation and verification processes for smooth onboarding.
- Gather merchant requirements, and implement customized onboarding workflows to enhance efficiency.
- Coordinated with the Nodal Bank and payment partners to ensure seamless onboarding onto the platform.
- Monitor and analyze transaction trends, identifying sudden spikes, drops, and potential risks.
- Conduct three-way transaction reconciliation, comparing Nodal Bank account statements, partner reports, and internal dashboards to ensure accuracy.
- Identified and resolved transaction discrepancies by liaising with the Nodal Bank, partners, and internal teams.
- Conducted vendor evaluation for PCI DSS certification, assessing key vendors like SISA, Crossbow Labs, and ControlCase to ensure security compliance.
- Performed market due diligence by analyzing competitor payment products, pricing strategies, and industry trends to drive business improvements.
Education
MBA - Business Analytics & Operations
Thiagarajar School of Management
Madurai01.2017
B.Tech - Information Technology
Loyola ICAM College of Engineering
Chennai01.2015
Skills
- Merchant onboarding and due diligence
- Regulatory compliance
- Customer risk assessment
- Anti-money laundering (AML)
- Know Your Customer (KYC)
- CDD / EDD (Customer / Enhanced Due Diligence)
- PEP screening
- Sanctions screening (OFAC, UN, EU, RBI sanctions)
- Adverse Media Screening
- Contact Point Verification (CPV)
- Team leadership
- KPI and performance management
Tools
- Salesforce
- Freshdesk
- Amazon QuickSight
- Metabase
- Jira
- MS Office
Timeline
Assistant Manager - Operations
Cashfree Payments India Pvt Ltd, Bangalore
08.2020 - Current
Management Trainee
Computer Age Management Services (CAMS), Chennai
12.2017 - 08.2020
MBA - Business Analytics & Operations
Thiagarajar School of Management
B.Tech - Information Technology
Loyola ICAM College of Engineering
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