Sabarisundar G
Chennai
Summary
To meet new challenges at work and face them with my innovative thoughts and technical expertise.
Overview
19
19
years of professional experience
Work History
Process Specialist (SME)
Cognizant Technologies Solutions India Pvt Ltd
07.2022 - 04.2024
- Results oriented certification supervisor dedicated to providing excellent service by developing operational and procedural improvements to increase productivity and efficiency
- Successful at building strong cross enterprise professional relationships
- Understanding the project requirements of client and worked from initial development phase till the completion
- Worked in POS certification for EMV & MSR with different Merchants, Vendors & Gateway
- Tested Various Sale functionality on POS across all the card brands
- Validate the transactions with ISO8583 Specifications
- Executed the test cases of refunds, reversals, timeout, verification in entire phase of certification
- Worked in test scripts and test data across all BAU projects in POS & Terminal
- Validated terminal transactions via swiped cards, DIP/TAP and manually input data
- Format validation of POS entry mode, POS condition code for the Merchant & terminal ID
- Experienced in certification POS testing in all type of industry (Ecommerce, Direct Marketing industry, Retail, Airlines
- Planning managing, implementation and certification of projects for different bank, merchants via certification for different card networks as VISA/MASTERCARD/AMEX/DISCOVER.
Senior Analyst (FRMU)
Hexaware Technologies
02.2021 - 07.2022
- Monitoring the Citi bank Commercial Credit Cards Transactions
- Risk monitoring: Monitoring Commercial Credit cards transactions through Falcon applications
- Monitoring both online and POS transactions all over the world
- Reduce fraudulent transactions with cards
- Transaction cancellation mail send to the particular merchant as well as acquiring bank to cancel the transaction
- Then Initialize the process to block the card and reissue the new card to the customer
- Monitor travel plans of HNW customers to prevent lapses and ensure smooth transactions
- Prepare and share the Regulatory reports for Turkey and Nigeria region
- Query handling and resolve
- TAT Calculation for team
- Publish KPI MIS
- Prepare Daily Production Analysis file and participate client call
- Prepare and share the trigger report for LATAM region
- Reassigning the investigation cases to the respective teams based on client call
- Monitoring the payment and credit to avoid money laundering.
Associate
Unimoni GBS PVT LTD (Associate of UAE Exchange Centre LLC)
04.2017 - 04.2020
- Multicurrency prepaid card /payroll card (UAE Exchange Centre LLC)
- Core Activity: Supporting Activity
- Risk Monitoring: Review and analyze the authorization report on hourly basis and identify the suspicious transactions
- Based on rule defined
- The suspicious transactions will be shared to GCC (global contact center) for our customer confirmation
- Based on the CH response the cases will be analyzed
- Handling the acquirer /merchant transactions confirmations and queries
- Managing the MasterCard ADC (Account Data Compromise Alert) report and take appropriate action
- Handling Central Bank (CBUAE) Fraud Reporting for all fraud related transactions on monthly basis
- Worked on MasterCard’s FRM Application for live transaction monitoring
- Creating rules based on the recent fraud trend to mitigate the frauds
- Monitor the False-positive ratio to ensure that the rules and tightened and the False-Positive ratio is brought down to acceptable limits
- Monthly MIS for the transaction monitoring team will be shared to internal stakeholders
- Transactions management & Card Issuance: Handling Second level escalations for all the card related query received from Global Call center, customer & Branch
- Analyzing all the exceptional cases and negative balance cards on daily basis & taking an appropriate action to mitigate the risk and financial loss
- All the transactions are monitored through various reports
- The decline or any issue in transactions are reported to the technical team and ensure that the issues are resolved
- Any Technical issue in the third-party system are identified and take up with product and development team for the fix
- Register the customer to issue the new card for salaried employees with internal system (Amigo)
- Generate the cards and share the details with vendor to print the card
- Manage the fee setup for re issuance and inactive cards
- Manage the ATM fee setup for various currencies in periodically (1st & 15th of every month as per SLA)
- Creating the salary information file and confirmed with biller (Employers) to disburse the salary to the employees
- Verify the necessary documents and provide funding authorization for salary disbursement
- Dispute Management: Coordinate with the dispute team to raise chargeback for the disputed transactions and take it up with the Master Card Team for staging
- Collect and verify the necessary documents to raise the charge back
- Follow up done till the closure of the dispute – First Chargeback, Second Chargeback, Good faith cases
- Ensure that the credit received for CBK raised and fund released to card account for successful chargeback and Write Off cases are done as per process
- Managed to ensure that all CBK raised are in compliance to the Master card regulations & statutory requirements, by reporting fraud transactions to SAFE
- Non-customer disputes are identified and processed by exploring all the available reports through proactive analysis.
Officer – Central Risk Unit (Transaction Monitoring)
HDB PVT LTD
02.2012 - 04.2017
- Monitoring the HDFC Cards Transactions
- Risk monitoring: Monitoring Credit, Debit, Prepaid and Forex cards transactions through bank applications
- Monitoring both online and POS transactions all over the world with HDFC cards
- To analyse / assess / study in detail the pattern of frauds and risks involved and take preventive & corrective actions
- Provide inputs for devising new specs for risk monitoring system based on emerging Fraud trends
- Reduce fraudulent transactions with cards
- Convey the message to customer about the fraudulent transactions
- Investigate about fraudulent transactions with customer
- Transaction cancellation mail send to the particular merchant as well as acquiring bank to cancel the transaction
- Then Initialize the process to block the card and reissue the new card to the customer
- Monitor travel plans of HNW customers to prevent lapses and ensure smooth transactions
- Cross sell EMI products to customers during transaction monitoring.
Relationship Officer
SPARK BIND COMPANY
10.2010 - 01.2012
- Conducted research to identify new opportunities for bringing about innovation in events
- Discussed specific requirements and expectations concerning the event with clients
- Managed and developed a strategic plan of action to ensure that the cost of the event remains under the pre-determined budget
- Searched and negotiated suitable venues or locations as per the requirement and budgetary constraints of client
- Carried out all the functions as per legal guidelines and regulations
- Facilitated communication with professionals, including venue management, stand designers, caterers, contractors and equipment rentals to ensure efficient running of an event
- Trained new and existing staff prior to the event so that all operations and duties were executed smoothly and as per clients’ guidelines.
Senior Field Development Officer
SMILE MICROFINANCE LTD
02.2008 - 07.2010
- Monitoring the business performance of individual team members
- Training and recruiting the new team members
- Provide training to the new groups about the Micro finance program and evaluate them before disburse the small loans
- Verify the KYC, repayment ability of the customers
- Monitoring the repayment and ensure 100 percent collection with in the TAT
- Monitoring the overdue payments by every month
- Preparing and submitting the reports on daily, weekly and monthly
- Reduce the risk of fake customers and fraudulent documents.
Office assistant
MASTER ADVERTISERS Virudhunagar
12.2004 - 11.2007
- Manage daily activity
- Maintain attendance of office staffs
- Resolve customers queries
- Support front desk activities
- Keep books for billing and payments
- Prepared weekly and monthly report and update calendar of appointments.
Education
BBA -
Sri Kalishwari College - Sivakasi
01.2004
XII Std -
KVS Higher Secondary School, Virudhunagar
01.2001
X Std -
KVS Higher Secondary School, Virudhunagar
01.1999
Skills
- Merchant Certification
- Working Experience in ISO8583 Specification
- Transaction Monitoring in cards domain
- Multi-currency negative balance analysis
- Basic Knowledge in Charge back with MasterCard association
- Fraud investigation and Creating Rules to Alert suspicious Transaction
- Prepaid card operations
- Good working experience in VRM – Visa Risk Manager, EMS – Expert in Monitoring System and PRM – Proactive Risk Manager to monitoring the suspicious transactions with various type of cards
- Experience in DCMS (Debit Card Management System) to maintain debit cards
- Experience in Universal banking application Vision Plus to maintain and manage the credit card and customer profile
Languages
Tamil
English
Personal Information
- Father's Name: S Gnanasundaram
- Date of Birth: 09/14/83
- Gender: Male
- Marital Status: Married
Disclaimer
I declare that the details furnished in this resume are true to the best of my knowledge.
Timeline
Process Specialist (SME)
Cognizant Technologies Solutions India Pvt Ltd
07.2022 - 04.2024
Senior Analyst (FRMU)
Hexaware Technologies
02.2021 - 07.2022
Associate
Unimoni GBS PVT LTD (Associate of UAE Exchange Centre LLC)
04.2017 - 04.2020
Officer – Central Risk Unit (Transaction Monitoring)
HDB PVT LTD
02.2012 - 04.2017
Relationship Officer
SPARK BIND COMPANY
10.2010 - 01.2012
Senior Field Development Officer
SMILE MICROFINANCE LTD
02.2008 - 07.2010
Office assistant
MASTER ADVERTISERS Virudhunagar
12.2004 - 11.2007
BBA -
Sri Kalishwari College - Sivakasi
XII Std -
KVS Higher Secondary School, Virudhunagar
X Std -
KVS Higher Secondary School, Virudhunagar