P Francis Xavier Raj
chennai
Summary
Senior Product Architect with 18+ years of global experience in Temenos T24/Transact product implementation, upgrades, migrations, product development, analysis, customer support, and training. Extensive technical expertise in core T24 modules, with proven delivery across Securities, Corporate Actions, AA, and Retail modules, ensuring functionality, stability, and performance. Strong skills in accounting reconciliation, GL mismatch analysis, and issue resolution in live banking environments. Strong knowledge of T24 architecture with expertise in COB performance tuning, optimization, and system management. Experienced in SIT, UAT, implementation, and production support, including bug fixing, parameterization, packaging, and delivery for clients. Practical exposure to Azure repositories, CI/CD pipeline integration, and Transact cloud setup. Successfully led and managed offshore/onshore teams across the SDLC, covering utilities development, testing, documentation, and client approvals. Highly experienced in client engagement with a strong focus on customer satisfaction and service excellence.
Overview
16
16
years of professional experience
Work History
Senior Product Architect
Cognizant Technology Solutions
10.2015 - Current
- Led the technical setup after Cognizant took ownership of the AUCMB product from Temenos, establishing the complete ecosystem for development, testing, and client delivery.
- Performed code retrofit for naming convention compliance and prepared comprehensive inventory documentation for functional modules, interfaces, and certificates.
- Configured and managed multiple environments for development and testing, including Transact deployment on Azure.
- Created and managed the Azure Git repository and built the CI/CD pipeline for seamless integration and delivery.
- Designed and implemented DSF packaging and deployment processes to streamline releases.
- Implemented a ticketing system to enhance issue tracking and support processes for AUCMB.
Senior Manager Project
Cognizant Technology Solutions
09.2021 - 05.2025
- RTB (Run the Bank) – T24 L3 Technical Leadership.
- Led a 6-member L3 support team, overseeing all aspects of T24 L3 delivery including code reviews, checklist updates, production readiness reports, and Jira prioritization for the RTB Book of Work.
- Delivered metrics and KPI reporting to track and improve team performance.
- Provided T24 & COB technical support across DEV, SIT, UAT, and REG environments, ensuring smooth operations.
- Supported Statement Regeneration and Report Extraction for testing and business validation.
- Optimized UAT turnaround time (TAT) by delivering 15+ fixes weekly, significantly reducing backlog and accelerating issue resolution.
- Contributed to test execution support and collaborated with QA teams to ensure defect-free releases.
- Authored and maintained knowledge base documents and SOPs, streamlining support processes and improving knowledge transfer.
Manager
Cognizant Technology Solutions
01.2018 - 10.2021
- Provided L2 support for T24 Core Banking, analyzing, resolving, and escalating production issues to ensure business continuity.
- Monitored COB execution, performance tuning, and incident management, ensuring SLA adherence.
- Handled user queries and service requests, coordinating with L3 teams for complex issue resolution.
- Prepared workarounds and permanent fixes, minimizing downtime and ensuring smooth operations.
- Performed root cause analysis (RCA) for recurring issues and recommended long-term solutions.
- Supported interfaces, versions, and local developments, ensuring integration stability across channels.
Senior Associate
Cognizant Technology Solutions
11.2015 - 01.2018
- Designed technical specifications for complex gap requirements across key business functionalities (FD, SC, FX, AC, MM, FATCA, TAX) during the Implementation Support phase.
- Acted as the Single Point of Contact (SPOC) at Offshore for functional gap resolution during System Testing, ensuring timely delivery.
- Provided integration support for Edge Connects, enabling exposure of T24 applications such as the Payments Portal and Fiduciary Services.
- Supported and optimized the GIT repository structure in Stash, enabling artifact management and implementing an automated delivery process using Jenkins and Nexus.
Senior Technical Consultant
Epictenet Consultancy
09.2015 - 11.2015
- Collaborated with Rubik Financial Services to redesign the loan process using T24 Account Application for United Financial Services (UFS).
- Led requirement-gathering sessions and prepared detailed technical specifications for the new UFS loan product architecture.
- Managed a 2-member team, overseeing end-to-end delivery and ensuring successful implementation.
Technical Consultant
Temenos India Private Limited
09.2014 - 09.2015
- Supported both Core and Non-Core T24 developments as a member of the FLS team.
- Acted as the first point of contact for high-priority issues, analyzing, resolving, or escalating critical T24 problems based on severity.
- Provided dedicated onsite and offshore client support under the FLS model, ensuring rapid resolution of all high-priority issues.
Senior Software Engineer
Temenos India Private Limited
05.2011 - 09.2015
- Supported both Core and Non-Core T24 developments as a member of the FLS team.
- Acted as the first point of contact for high-priority issues, analyzing, resolving, or escalating critical T24 problems based on severity.
- Provided dedicated onsite and offshore client support under the FLS model, ensuring rapid resolution of all high-priority issues.
Technical Consultant
Temenos India Private Limited
01.2013 - 08.2013
- Supported Non-Core Development (NCD) and Global Regional Development (GRD) initiatives as part of the NCC team.
- Analyzed and resolved issues related to ATMs, Versions, Enquiries, Interfaces, and other local developments, ensuring stability and seamless operations.
Technical Consultant
Temenos India Private Limited
12.2012 - 01.2013
- Developed a utility tool to extract data for faster and more efficient reconciliation.
- Designed and implemented correction procedures to resolve GL mismatches and accounting discrepancies.
- Provided support and fixes for reported issues in both Core and Local developments, ensuring system stability.
Technical Consultant
Temenos India Private Limited
05.2011 - 12.2012
- Worked as part of the Accounting module analysis team.
- Responsible for analyzing issues, classifying them into training needs, bug fixes, or development tasks.
- Provided recommendations on scope while coordinating with cross-functional teams to resolve functional discrepancies.
Technical Consultant
Temenos Vietnam Company Limited
01.2011 - 05.2011
- Served as First Level Support for core issues, ensuring timely resolution and minimal business disruption.
- Investigated a data migration issue where a large volume of PD contracts were incorrectly moved to history without repayment, impacting customer loan accounts.
- Developed and delivered a correction routine to restore affected loan contracts to the LIVE table, followed by a permanent fix to prevent recurrence.
Senior Technical Consultant
Temenos Vietnam Company Limited
01.2010 - 05.2011
- Served as First Level Support for core issues, ensuring timely resolution and minimal business disruption.
- Investigated a data migration issue where a large volume of PD contracts were incorrectly moved to history without repayment, impacting customer loan accounts.
- Developed and delivered a correction routine to restore affected loan contracts to the LIVE table, followed by a permanent fix to prevent recurrence.
Education
MCA - Computer Application
St.Joseph’s College, Bharathidasan University
Bsc - Physics
St.Joseph’s College, Bharathidasan University
Skills
- Core Banking Software: Temenos T24 Transact
- Operating System: Unix
- Operating System: AIX system
- Database: Oracle
- Language: Infobasic
- JBase/TAFJ/TAFC: JBase/TAFJ/TAFC
- Web Servers: Jboss
- Temenos Modules: Securities
- Temenos Modules: corporate actions
- Temenos Modules: AA
- Temenos Modules: Retail Modules
- Project Management: Jira
- Project Management: Confluence
- Project Management: Agile
- Service Management: ServiceNow
- DevOps / CI-CD Tools: Jenkins
- DevOps / CI-CD Tools: Azure DevOps
- Source Control: Bitbucket
- Source Control: Gitlab
- Database / Querying: SQL Developer
- Monitoring tools: Splunk
- Monitoring tools: Dynatrace
- Monitoring tools: NMON
- Monitoring tools: SEAT
- API/Web Service Testing: SoapUI
- API/Web Service Testing: PostMan
- Other Tools: Design Studio
Accomplishments
- Took up the most complex and troublesome module for the BJB JB 2.0 Asia Project, this module is responsible for generating statements for end customers, and it has regulatory and direct customer impact. Client output was lagging in delivery for the entire project, and its success was mandatory for the bank to go live with the new platform
Timeline
Senior Manager Project
Cognizant Technology Solutions
09.2021 - 05.2025
Manager
Cognizant Technology Solutions
01.2018 - 10.2021
Senior Associate
Cognizant Technology Solutions
11.2015 - 01.2018
Senior Product Architect
Cognizant Technology Solutions
10.2015 - Current
Senior Technical Consultant
Epictenet Consultancy
09.2015 - 11.2015
Technical Consultant
Temenos India Private Limited
09.2014 - 09.2015
Technical Consultant
Temenos India Private Limited
01.2013 - 08.2013
Technical Consultant
Temenos India Private Limited
12.2012 - 01.2013
Senior Software Engineer
Temenos India Private Limited
05.2011 - 09.2015
Technical Consultant
Temenos India Private Limited
05.2011 - 12.2012
Technical Consultant
Temenos Vietnam Company Limited
01.2011 - 05.2011
Senior Technical Consultant
Temenos Vietnam Company Limited
01.2010 - 05.2011
MCA - Computer Application
St.Joseph’s College, Bharathidasan University
Bsc - Physics
St.Joseph’s College, Bharathidasan University