S. Divya Bai
Bangalore
Summary
Results-driven Senior Analyst with a proven track record at ANZ Bank, excelling in reconciliation accuracy and process improvements. Leveraging strong critical thinking and advanced Excel skills, I consistently achieved 100% SLA compliance while enhancing operational efficiency. Recognized for delivering high-quality results and maintaining exceptional communication standards with stakeholders.
Overview
11
11
years of professional experience
Work History
Senior Analyst
ANZ Bank
Bangalore
03.2025 - Current
- Managed end to end reconciliations supporting multiple regions within ANZ Bank, consistently meeting 100% SLA compliance.
- Prepared and delivered daily and month-end reconciliation reports with zero reporting errors and within strict deadlines.
- Investigated chargeback transactions and matched with reversals processed by cardholder’s bank, ensuring accuracy in reconciliations.
- Investigate reconciling items and resolved account breaks by allocating entries to respective department, reducing aged outstanding items.
- Performed transaction matching and exception handling, enhancing reconciliation accuracy and reducing manual errors.
- Escalated and tracked uncleared transactions, ensuring timely closure and minimizing financial risk exposure.
- Contacted agent banks to request MT103 and MT202 Swift details, facilitating quicker resolution of payment discrepancies.
- Responded to stakeholder queries within defined turnaround times, maintaining strong service quality and communication standards.
- Supported UAT testing and developed an automation macro for Nostro TT charge processing, reducing manual effort by 50% and improving processing efficiency.
- Conducted walkthrough sessions with assurance and management teams, secured approvals, and successfully deployed the UAT macro to production.
- Stabilized the Nostro TT charges process and ensured seamless transaction and knowledge transfer to the respective team.
- Recognized with multiple appreciations for delivering high-quality reconciliations and consistently meeting SLAs.
- Proposed and implemented process improvement initiatives in BAU operations, enhancing efficiency and operational controls.
- Coordinated with audit teams including KPMG and in-country auditors to provide documentation and ensure compliance.
- Worked across Australia and New Zealand, supporting regional operations and ensuring compliance with local regulations.
Analyst
Deutsche India Private Limited
Bangalore
11.2021 - 02.2025
Senior Executive – AR
ACN HEALTH CARE-RCM
03.2020 - 06.2020
- A dynamic professional having 4 months of sound experience in US voice for AR-US health.
- Applied critical thinking to resolve complex problem-solving scenarios, enhancing operational efficiency.
- Leveraged strong computer skills to streamline data management and improve task execution.
- Verified services by contacting lab, securing medical records for timely and accurate claim processing.
Senior Executive AR Caller
Cognizant Technology
03.2018 - 02.2020
- Team Handily for Claim Processing, (Insurance queries) (includes third party insurance claims, follow-up’s and reposting, credit memos, AR documents).
- Contact the payers/providers through calls for any payment and resolving issues.
- Addressed customer and insurance provider queries via email, ensuring timely resolution.
- Tracked errors and managed claim denial resolutions to minimize processing delays.
- Monitored all claims within the established turnaround time.
- Handling client queries and resolving in timely manner.
- Completed all month-end requests prior to month-end close to ensure accurate financial reporting.
- Meeting client expectation and SLA.
Senior Executive – Customer Service
Capita India Pvt Ltd
10.2014 - 04.2017
- Dynamic professional with 2.5 years of experience in UK utility voice for erroneous transfer team.
- Managed high-priority customer accounts to ensure prompt service.
- Handled customer queries through email and provided solutions.
- Prepared documentation to streamline processing and enhance efficiency.
- Process all meter readings assigned within the required Turn Around Time.
- Ensuring all month end requests are completed before month end close.
- Worked on Xifin, ESAWS, FACETS, AVAILITY, SI TOOL applications.
Education
Bachelor of Commerce -
RC College of Commerce
01.2014
II P.U.C -
RBANM’S PRE-UNIVERSITY
Bangalore01.2010
SSLC -
MMET HIGH School
Bangalore01.2008
Skills
- SAP ERP
- TLM software
- Microsoft Excel VLOOKUP Pivot Table
- Strong computer skills
- Critical thinking skills
- Excellent written and verbal communication skills
- Business Communication
- Excellent typing skills
- Microsoft Excel VLOOKUP Pivot Table
Accomplishments
- Was selected the STAR OF THE MONTH award in RNR (3 months after joining)
- Appreciation from client for supporting and responding in smooth closing for yearend activity 2015
- Completed P2P cycle End to End training.
- RNR for client supports. (Cognizant).
- Nominated for Extra mile for full support to team. (Cognizant).
- Coordinating and conducting daily meetings and some special events like fun Friday.
Hobbies and Interests
- Listening to music
- Cooking
- Stitching designer western clothes
Disclaimer
I hereby declare that the information furnished above is true to the best of my knowledge.
Personal Information
- Date of Birth: 01/01/93
- Gender: Female
- Nationality: Indian
- Marital Status: Married
Languages
- Marathi
- Hindi
- Tamil
- Kannada
- Telugu
- English
- Marathi
- Hindi
- Tamil
- Kannada
- Telugu
Timeline
Senior Analyst
ANZ Bank
03.2025 - Current
Analyst
Deutsche India Private Limited
11.2021 - 02.2025
Senior Executive – AR
ACN HEALTH CARE-RCM
03.2020 - 06.2020
Senior Executive AR Caller
Cognizant Technology
03.2018 - 02.2020
Senior Executive – Customer Service
Capita India Pvt Ltd
10.2014 - 04.2017
Bachelor of Commerce -
RC College of Commerce
II P.U.C -
RBANM’S PRE-UNIVERSITY
SSLC -
MMET HIGH School