P. VIJAYKUMAR
Salem
Summary
Techno-functional Banking & Payments professional with 12.9 years of experience in Card-Based Banking Solutions, EFT Switching, Digital Payment Platforms, and Financial Accounting Operations. Strong expertise in FIS Cortex, FIS IST Switch, Postilion, and Base24/Base24-eps, covering card issuing, acquiring, real-time authorization, clearing, settlement, reconciliation, and production support. Currently functioning as Assistant Manager – Business Analyst (Test Lead), managing end-to-end validation of card and payment systems while also supporting ERP-based accounting operations including Accounts Payable (AP), Accounts Receivable (AR), General Ledger (GL) postings, bank reconciliation, and financial reporting using QuickBooks and ERP platforms. Hands-on experience in transaction accounting, settlement accounting entries, merchant payout reconciliation, dispute accounting adjustments, and monthly closing activities. Strong understanding of financial controls, ledger scrutiny, journal entries, and audit compliance. Proven ability to bridge payment operations with accounting processes, ensuring accurate financial posting of transaction data, settlement files, chargebacks, and reversals into ERP systems. Seeking a challenging role in Accounts / Finance / Payments domain where expertise in transaction reconciliation, GL accounting, AR/AP management, and payment systems can drive operational accuracy and financial integrity.
Overview
13
13
years of professional experience
3
3
Languages
Work History
Assistant Manager – Business Analyst (Testing Lead – Cards & Payments)
Genpact India Pvt. Ltd.
06.2021 - Current
- Led end-to-end manual testing of digital payment and card transaction flows for wholesale banking customers, covering RTGS, NEFT, SWIFT, corporate cards, payment gateways, and host-to-host integrations
- Hands-on experience in Cards domain (Credit/Debit/Prepaid, Issuing & Acquiring)
- Knowledge of card deliverables (statements, settlements, reports, chargebacks, reconciliation)
- Owning end-to-end testing of card issuing & acquiring flows including ATM, POS, and e-commerce transactions
- Led card migration testing projects for debit and credit portfolios, ensuring zero or minimal production impact
- Validated card reissuance, embossing, PIN regeneration, and token refresh activities during migration phases
- Good expertise in SQL (queries, performance tuning, data analysis)
- Performed ISO 8583 message validation, EMV parameter verification, and authorization response analysis
- Ensure compliance with Central Bank regulations, SWIFT standards, ISO 20022, and internal security policies; support audits and penetration testing
- Managed transaction failure analysis, reversals, chargebacks, and dispute resolution, ensuring SLA compliance
- Collaborate with business stakeholders to understand and document current business processes and automation requirements
- Provide technical oversight of vendors and system integrators, review deliverables, ensure quality, compliance, and architectural alignment
- Managed authorization parameters, daily limits, and card control settings in the core card management system
- Collaborate with product, analytics, business, and engineering partners to lead and develop product and design strategies.
- Define, prioritize, and clarify user stories in coordination with other Product Managers, engineering leads, and the leadership team.
- Work with business stakeholders and the India engineering team to maintain a healthy backlog and provide visibility across the enterprise, including at the executive level.
- Work closely with Product leads, developers, operations, and production management teams to research and resolve issues or defects that impact the customer experience.
- Conduct pre-release reviews, including regression testing and quality assurance, to certify releases as production-ready, along with production validation
- Project & Role: Handling EFT switch, Digital banking, Mobile, Cross Boarder Payment, Swift
Sr. Process Associate – Business Analyst and Chargeback Analyst
Tata Consultancy services
06.2018 - 01.2021
- Functioned as a people and testing delivery lead, mentoring team members, reviewing test results, and reporting critical risks to senior management
- Ensured adherence to PCI DSS, scheme rules (Visa/MasterCard), and regulatory guidelines throughout testing cycles
- Performed system analysis and requirement validation to ensure business requirements were correctly implemented and testable
- Monitored payment operations dashboards and reports to proactively identify transaction trends, risks, and performance bottlenecks
- Hands-on experience with ERP systems, supporting financial, accounting, and reconciliation processes
- Worked on QuickBooks for accounts payable (AP), accounts receivable (AR), general ledger (GL) operations
- Experience in bank reconciliation, settlement tracking, and discrepancy resolution
- Supported monthly and year-end financial closing activities within ERP/QuickBooks environment
- Integrated payment transaction data from card systems into ERP/QuickBooks for accounting and reporting
- Role:
- 1. Worked as Subject Matter Expert for following acquiring Processes.
- Merchant boarding
- Transaction Processing
- Terminal management
- Settlement and Reconciliation
- Chargeback and Refund
- 2. Ensuring Service Delivery Readiness from Business-Critical Project perspective
- 3. Handled Incident Management for Merchant Queries
- Projects: Micro ATM functionality on POS terminal
- Worked with the Sales, Aggregator and Bank Team to establish the road Map of these Products
- Preparation and walkthrough with all stakeholders of the Business Requirement Solution Document (BRD/BRSD), Standard Operating Procedure (SOP)
- Onboard the Merchant using Virtual APP and process the data in the System and Manage the terminal using Asset Tracking System (Ticketing Tool)
- Test Cases Preparation and Execute the All types of Transactions on APOS terminal using Credit & Debit card. Validate all possible Positive and Negative scenarios
- End to end knowledge on Fraud Dispute Resolution and Chargeback Profile
Mentor
HCL Technology
06.2016 - 06.2018
- Prepare periodic chargeback management reports and follow up on payments that may need to be made to clients.
- Experience in filing chargeback and re-presentment in Visa Online along with knowledge on Visa rules and regulations.
- A team leader leads, monitors, and supervises a group of employees to achieve goals that contribute to the growth of the organization and handle around 35 people
- Analyzed dispute reason codes and provided detailed documentation for re-presentments and pre-arbitrations.
- Lead team of chargeback agents by guiding them through processes to determine fraudulent activities in clients’ accounts.
- Supported regulatory and compliance audits related to debit card operations and dispute management.
- Handled reissuance of expired, lost, or damaged cards ensuring proper customer communication and system updates.
- Chargeback Automation Framework:
- Built chargeback process flow for VISA/Mastercard disputes.
- Automated reconciliation and merchant notification system
- Key Responsibilities
- Lead and support chargeback handling for card-not-present (CNP) transactions across all major card networks (Visa, MasterCard, Amex, Discover, etc.).
- Act as the escalation point and subject matter expert for complex fraud and non-fraud dispute cases.
- Provide training and ongoing guidance to chargeback analysts to ensure consistent application of best practices.
- Own end-to-end chargeback lifecycle management, from retrieval request to re-presentment, arbitration, and write-off, ensuring adherence to card-network timelines and rules
- Drive chargeback reduction strategies by analyzing dispute trends (fraud, no-show, services not rendered, duplicate processing) and implementing preventive controls.
- Monitor and manage chargeback ratios and thresholds to ensure compliance with Visa VAMP, MasterCard High Fraud Merchant (HFM), and Excessive Chargeback programs
- Partner with Fraud, Risk, Operations, and Customer Experience teams to proactively reduce CNP fraud and improve dispute win rates
- Ensure accurate evidence compilation (transaction logs, AVS/CVV data, 3-D Secure data, delivery confirmation, customer communications) to maximize re-presentment success
Junior officer
ADFC Pvt LTD
02.2013 - 11.2015
- Handled Visa and MasterCard disputes and initiated chargebacks for various reason codes including fraud.
- Initiated chargebacks through VROL (Visa Resolve Online) and MasterCard Online systems
- Processed and monitored chargebacks fulfilment throughout the entire dispute cycle.
- Retail and ATM disputes on World Travel money Cards / Prepaid cards.
- Performed VISA and MasterCard chargebacks and monitor case status for fulfilment.
- Worked directly with ATM, Visa and MasterCard networks to implement products
- Reviewed incoming cardholder correspondence, disputing charges, and designating the properly reason codes to ensure the correct action is taken online to assure committal and acceptance is received by each party.
- Initiated chargebacks on invalid card number requested from accounting department to reconcile bank records.
- Designed and maintained dynamic dashboards using Microsoft Excel to visualize key performance metrics and trends.
- Coordinated with Customer Service, Operations, and Reconciliation teams to resolve disputed transactions efficiently.
- Conducted basic fraud pattern analysis to identify repeat disputes and potential risk areas.
- Ensured adherence to Visa and MasterCard operating regulations and internal policies.
- Assisted in monthly MIS and reconciliation reports related to disputes and chargeback outcomes.
- Responded to network queries and follow-ups from Visa and MasterCard within defined timelines.
- Supported ATM cash dispute investigations by verifying switch logs, EJ reports, and settlement data
- Chargeback Lifecycle Management
- Own and oversee entire chargeback process:
- Retrieval requests
- First chargeback
- Representment
- Pre-arbitration & arbitration
- Ensure accurate reason code mapping (Visa, MasterCard, AmEx, RuPay).
- Drive timely dispute resolution within network-mandated timelines.
Education
MBA (HR) -
Anna University
01.2012
B.Sc. - Computer Science
Periyar University
01.2010
12Th State board - undefined
Vaidheeswara Higher School
01.2007
10Th State board - undefined
Vaidheeswara Higher School
01.2005
Skills
Wholesale Banking Operations, Digital Banking, Payment Gateway, ATM/POS Switching
Card Issuing & Acquiring (Visa, Mastercard, RuPay, Amex)
Swift MT/MX Messages, Cross-border Payments, RTGS/ACH/Wire systems
Merchant lifecycle: Onboarding, Routing, Settlement, Reconciliation
Acquiring modules, POS, and Cortex APIs
All modules of FIS, IST Switch/Cortex
ERP System and Quick Books
FIS IST Switch & FIS Cortex , Postilion, and Base24 – All Modules
Timeline
Assistant Manager – Business Analyst (Testing Lead – Cards & Payments)
Genpact India Pvt. Ltd.
06.2021 - Current
Sr. Process Associate – Business Analyst and Chargeback Analyst
Tata Consultancy services
06.2018 - 01.2021
Mentor
HCL Technology
06.2016 - 06.2018
Junior officer
ADFC Pvt LTD
02.2013 - 11.2015
B.Sc. - Computer Science
Periyar University
12Th State board - undefined
Vaidheeswara Higher School
10Th State board - undefined
Vaidheeswara Higher School
MBA (HR) -
Anna University