Summary
Overview
Work history
Education
Skills
Websites
Certification
Project Experience Snapshot
Required details
Accomplishments
Affiliations
Languages
Timeline
AdministrativeAssistant
Sharmila Janarthanan

Sharmila Janarthanan

Functions Test Consultant
Bengaluru,India

Summary

Experienced Software Test Management Professional with 15+ years in Banking, Payments, Cards & Digital Banking. Demonstrated success in Test Management and Delivery, focusing on Functional and Automation Regression Testing. Strong track record in team development and quality assurance for banking applications. Acknowledged for implementing strategic testing initiatives that meet regulatory compliance.

Overview

19
19
years of professional experience
1
1
Certification

Work history

Payments Test Consultant

Client: Qatar National Bank
Doha
07.2025 - 11.2025
  • Functioning as offshore & Onshore Coordinator to support team in India.
  • Carrying out walk through about products to all business stakeholders.
  • Preparing equipped interaction matrix and high-level product matrix
  • Evaluation test design produced by team and accomplishment of sign off from business.
  • Understanding product and user stories
  • Identifying any gaps in functionality
  • Reporting any shortfall in terms of application understanding, test environment, infrastructure, etc.
  • Conducting User Acceptance Testing, System Integration Testing, API Testing & Mobile App testing
  • Requirement gathering & analysis.
  • Functional test design, Critical test scenarios & test conditions
  • Business test cases for change requests testing
  • Critical functionality test suite for regression testing
  • Defect reporting.
  • Test Effort estimation, COB plan and execution plan.
  • Daily status and management reports for project monitoring and timely delivery
  • Looking after test execution & defect logging and test execution reporting
  • Agile – Participating in Daily Scrum SU, Biweekly Sprint Planning and Spent Review and sprint Retrospective.
  • Client : Qatar National Bank,Qatar
  • EPH Upgrade – MT to MX Migration (ISO20022)
  • Payments Test Consultant | QNB (Qatar National Bank)
  • Led comprehensive testing of EPH Payment Hub and Equation Core payment systems, ensuring seamless integration and operational efficiency for QNB's domestic and international payment transactions.
  • Conducted detailed SWIFT CBPR+ MT to MX message structure validation in line with ISO 20022 standards to ensure accurate message conversion, mapping, and routing across payment systems.
  • Validated payment messages (MT/MX formats) to confirm compliance with SWIFT CBPR+ guidelines, ensuring smooth transitions from legacy SWIFT messages (MT) to newer ISO 20022 MX formats.
  • Performed testing for GS-Global Screening for fraud detection, including AML checks, OFAC screening, and compliance with global regulatory frameworks.
  • Tested HRSC (High Risk Screening) system to appropriately handle high-risk payments, ensuring proper handling of flagged transactions per security protocols.
  • Led testing of Transaction Monitor for QARTGS to identify and prevent fraudulent transactions in real-time, ensuring robust fraud detection mechanisms across payment flows.
  • Collaborated closely with developers, business analysts, and other stakeholders to gather requirements, clarify payment rules, and resolve issues related to payment authorization and transaction processing.
  • Conducted volume, regression, and performance testing for payment applications to validate system stability under high transaction loads and ensure smooth operational performance.
  • Created and maintained comprehensive test documentation, including test plans, test cases, defect logs, and test reports, ensuring all issues were clearly tracked and communicated to stakeholders.
  • Supported successful go-live of payment systems, validating production deployments and monitoring real-time transactions to ensure smooth operation on Day 1 and beyond
  • Environment / Tools:
  • SIT, UAT Support, EPH,Equation,GTP,GS(SaaS),SWIFT Alliance

Test Functional & Automation Lead

Client: Sharjah Islamic Bank
Sharjah, Dubai
08.2024 - 02.2025
  • Lead team of 5+ testers in end-to-end testing of Finacle’s internet banking and mobile banking systems, ensuring seamless integration with core banking modules.
  • Developed test strategies, test plans, and schedules for various releases of mobile banking apps and internet banking portals, ensuring compliance with functional and security requirements.
  • Oversaw functional testing and Automation Regression Testing for mobile and internet banking platforms, identifying critical issues in transaction handling, user authentication, and system performance.
  • Automated over 50% of test cases using Selenium and Cucumber Framework, reducing testing time for regression cycles and increasing test coverage.
  • Managed testing of integrations with external payment gateways, mobile wallet providers, and SMS/email notification services to ensure smooth operation of digital banking services.
  • Led User Acceptance Testing (UAT) for new features and enhancements, collaborating with business users to ensure functionality meets requirements and expectations.
  • Developed detailed defect reports and collaborated with development teams to resolve critical issues affecting system performance or user experience.
  • Delivered regular test status reports and metrics to stakeholders, including defect trends, testing progress, and risk mitigation strategies.
  • Environment / Tools:
  • QAT, UAT& Prep Support.
  • T24 R23, Edgware Finacle Admin, IBMB, SIB App (Android & IOS)

Cards & Payments - T24 Test Consultant

Client: Nationale-Nederland’s Bank
London, United Kingdom
06.2022 - 12.2023
  • Creation of physical and digital cards, initiated via NN App. Following client journeys are required for F&F: card order request, activate, view pin code, temporarily block and unblock.
  • Supported testing of ISO 8583 messages for POS and ATM transactions.
  • Conducted chargeback and dispute resolution testing in acquiring platform.
  • Utilized tools like Visa/Master Card Simulator for test transaction generation.
  • Administration Processes (DOF, SRAABMO, CAMT).
  • Validated processing of monthly collection file.
  • Testing and/or Sign-off of various required services Test management.
  • Environment / Tools: SIT, UAT& Pre-Prod Support.
  • T24 Transact, World line card management System, Go Anywhere, Master card Simulator (IA08583)
  • NN App (Android & IOS)

Sr. System Analyst – Manual & Automation

Tesco Bank
Bangalore, India
09.2016 - 06.2022
  • Led QA efforts for card issuing and acquiring systems during implementation of new EMV debit and credit products.
  • Oversaw testing of end-to-end transaction flow: issuance, personalization, authorization, clearing, settlement.
  • Coordinated with Visa/Mastercard for compliance and certification testing (CDET, M-TIP).
  • Worked closely with development, business analysts, and third-party vendors to resolve defects.
  • Implemented test automation using Postman and Selenium to streamline regression cycles.
  • Tesco Bank Cards Regression:
  • Objective of Regression testing is to ensure that following Migration of Route to Live servers within SIT, UAT and PPE environments that there is no impact on current functionality following migrations
  • SHR Migration Project: instance of SAN and Hypervisor Replacement (SHR) is being migrated to newly deployed VM-Ware x86 platform in Star wood and Park Royal data center.
  • Falcon Cloud Migration: Fraud prevention and detection system, it is payment-based web application. It detects any suspicious, fraudulent transaction and non-monitoring activity’s as well. And upgraded version of Falcon (6.5) migrated into cloud from version of Falcon (6.3.2) On Prem.
  • Environment / Tools: SIT, UAT& Pre-production Support and JIRA, HPALM.
  • Application: TSYS - TS2 and FICO - Falcon fraud detection software
    Fiserv - Signature, Aperio agent system, Falcon, FCRM -CAMs & Lexis Nexis Risk Solution: Theart matrix
    Splunk – Policy Decision Point, and Ping access TIBCO – SSCA Logs,TSBB,TBMB Logs

Test Lead

Client: Metro Bank
London, United Kingdom
02.2014 - 08.2016
  • T24 Test Lead –Cards & TPH
  • Industry: Banking (Payments & Cards):
  • T24 and TS2 – Master Card transformation program from Voca-ink to TSYS – TS2 and Delivered new cards platform for 500,000 customers with £6 million budget.
  • Environment / Tools: Technology – ESB/IIB, POS, IEMV, Voca-link, PCI, XML, mainframes, terminal emulators, T24, Oracle, Master Card, Card Chips, Clearing files

Project Lead

Polaris Financial Technology Limited
Mumbai, India
06.2013 - 01.2014

Banking (Payment)

  • SWIFT – Payment Bank to Bank and Single customer implementation (MT103, MT202) Payment Message Validations
  • Environment / Tools: Intellect Payment Service Hub

Senior Test Analyst

ADIB – Abu Dhabi Islamic Bank
Abu Dhabi
02.2013 - 05.2013

Industry: Banking - SWIFT Payment Implementation

  • Responsibilities:
  • SWIFT MT 103 : Single customer payment Changes in option K and F fields
  • Developed comprehensive test plans and test cases to ensure software quality and reliability.
  • Environment / Tools: Intellect Payment System, Phoenix, Clear Quest Defect tool.
  • Collaborated with cross-functional teams to identify and resolve defects in software applications.
  • Conducted thorough functional and regression testing to validate system functionality and performance.

Functional Analyst

Ras Al Khaima (RAK Bank)
Dubai
06.2012 - 02.2013
  • Banking – Finance Testing (GL report, P&L report, Division wise Balance Sheet etc…. )
  • Responsibilities:
  • Working with business Managers to analyzing and Validation of various GL report from Finacle
  • Various batch report validation & Finance Functionality checks and Customization.
  • Surround System Validation (Including flex cube to Finacle reconciliation)
  • Various other GL checks verification integrity of GL from Finacle.
  • Environment / Tools:
  • Flex cube core banking application, Quality Center, Pl-SQL Database.

Senior Test Engineer

RBS - Royal Bank of Scotland
Chennai
06.2009 - 05.2012
  • Banking – Trade Finance, Payments, LCs, SWIFT, Investment Services and Clients’ Monies Service.
  • Involved in payments Department (Cash Management Services)
  • Environment / Tools: RBS&NWB Cash Application, ZEBRA, Score, Test Director 8.0 and Quality Centre Version 9.2
  • Led comprehensive test strategies to ensure software quality and reliability.
  • Mentored junior engineers in testing methodologies and best practices to foster professional growth.
  • Analysed test results and provided actionable insights to stakeholders for informed decision-making.
  • Executed extensive functionality checks leading to improved user experience.
  • Assured customer satisfaction by validating end-to-end processes.

Senior Test Engineer

Oracle Financial Services Pvt. Ltd
Mumbai, India
01.2007 - 05.2009
  • Allied Irish Bank – CASA, TD, Clearing and CIF
  • Involved in Interface Testing and System integration Testing
  • Led comprehensive test strategies to ensure software quality and reliability.
  • Analysed test results and provided actionable insights to stakeholders for informed decision-making.
  • Enhanced product quality with meticulous bug detection and resolution.
  • Coordinated with developers for seamless integration of new features.
  • Created comprehensive test plans, test scripts and use cases to reflect testing objectives.
  • Environment / Tools: Flex cube, SQL, Automation tracker (Oracle tool), JIRA – Defect management tool, API and Soup tool

Officer

Standard Charted Scope International Pvt. Ltd
Chennai
08.2006 - 12.2006
  • Monitoring of all operations within Team.
  • Involved in Singapore Country base Operation in Payments Department.
  • Involved foreign outward remittance in Singapore country based.
  • Handled Online Local Transaction in Singapore country.
  • Attending all inward and outward messages
  • Environment / Tools:
  • GTP, Hogan Payment System

Education

MBA - Finance

Alagappa University
Karakudi
06.2012

Bachelor of Science - Science

Govt., Arts College / Bharathidasan University
Karur, Tamil Nadu, India
04.2002

Skills

  • Banking & Domain Expertise: Retail & Digital Banking, Cards (Visa/Mastercard), Payments (BACS, CHAPS, SEPA, SWIFT), Trade Finance, Fraud Analysis
  • Testing & QA: Functional & Automation Testing, API & Mobile App Testing, SIT, UAT, Regression Testing; Test Strategy, Planning, Execution, Defect Management, Risk Mitigation
  • Tools & Technologies: Selenium, Postman, SoapUI, Jenkins, Azure DevOps, JIRA, Confluence, ALM, Android Studio, Xcode, Vysor, AWS Cloud
  • Core Applications: T24 (R16/R22/R23), Flexcube, Finacle, Fiserv (Aperio, Signature, Falcon), TS2, Worldline, SWIFT
  • Project Management & Leadership: Team Leadership, Vendor Management, Conflict Resolution, Agile (Scrum), CI/CD Practices, Reporting & Documentation
  • Programming & Database: Java, PL/SQL

Certification

  • QA Test Lead –Functional & Automation
  • Certified Professional Scrum Master I (PSM I)
  • ISEB – ISTQB Certified Tester – Foundation level
  • Certified Prince2 – Project Management

Project Experience Snapshot

Client : Qatar National Bank,Qatar, EPH Upgrade – MT to MX Migration (ISO20022), Payments Test Consultant | QNB (Qatar National Bank), Led comprehensive testing of EPH Payment Hub and Equation Core payment systems, ensuring seamless integration and operational efficiency for QNB's domestic and international payment transactions., Conducted detailed SWIFT CBPR+ MT to MX message structure validation in line with the ISO 20022 standards to ensure accurate message conversion, mapping, and routing across payment systems., Validated payment messages (MT/MX formats) to confirm compliance with the SWIFT CBPR+ guidelines, ensuring smooth transitions from legacy SWIFT messages (MT) to the newer ISO 20022 MX formats., Performed testing for GS-Global Screening for fraud detection, including AML checks, OFAC screening, and compliance with global regulatory frameworks., Tested the HRSC (High Risk Screening) system to appropriately handle high-risk payments, ensuring proper handling of flagged transactions per security protocols., Led testing of Transaction Monitor for QARTGS to identify and prevent fraudulent transactions in real-time, ensuring robust fraud detection mechanisms across payment flows., Collaborated closely with developers, business analysts, and other stakeholders to gather requirements, clarify payment rules, and resolve issues related to payment authorization and transaction processing., Conducted volume, regression, and performance testing for payment applications to validate system stability under high transaction loads and ensure smooth operational performance., Created and maintained comprehensive test documentation, including test plans, test cases, defect logs, and test reports, ensuring all issues were clearly tracked and communicated to stakeholders., Supported the successful go-live of payment systems, validating production deployments and monitoring real-time transactions to ensure smooth operation on Day 1 and beyond, Environment / Tools:, SIT, UAT Support, EPH,Equation,GTP,GS(SaaS),SWIFT Alliance

Required details

  • Full Name: - Sharmila Janarthanan
  • Qualification: - MBA in Finance
  • Total years of Exp: - 16+
  • Relevant Payment Exp: - 5+
  • Functional Test Lead:- Cards & Payments
  • Current Location: - Karur,Tamil Nadu, India
  • Notice: - 15 Days
  • Last working Day : 28 Feb 2025
  • Passport No:- T6590228
  • Willing to work under contract: - Yes
  • Mail Id : sharmisuli@gmail.com
  • M Contract No & WhatsApp :- 091 9500426431
  • LinkedIn ID : https://in.linkedin.com/in/sharmijana

Accomplishments

    Outstanding Contributor Award in NN Bank

    Spotlight Award for Successful Go-Live in Tesco

Affiliations

  • Mountain climbing and trekking, exploring high-altitude trails an Traveling and discovering new cultures

Languages

English
Fluent
Tamil
Native

Timeline

Payments Test Consultant

Client: Qatar National Bank
07.2025 - 11.2025

Test Functional & Automation Lead

Client: Sharjah Islamic Bank
08.2024 - 02.2025

Cards & Payments - T24 Test Consultant

Client: Nationale-Nederland’s Bank
06.2022 - 12.2023

Sr. System Analyst – Manual & Automation

Tesco Bank
09.2016 - 06.2022

Test Lead

Client: Metro Bank
02.2014 - 08.2016

Project Lead

Polaris Financial Technology Limited
06.2013 - 01.2014

Senior Test Analyst

ADIB – Abu Dhabi Islamic Bank
02.2013 - 05.2013

Functional Analyst

Ras Al Khaima (RAK Bank)
06.2012 - 02.2013

Senior Test Engineer

RBS - Royal Bank of Scotland
06.2009 - 05.2012

Senior Test Engineer

Oracle Financial Services Pvt. Ltd
01.2007 - 05.2009

Officer

Standard Charted Scope International Pvt. Ltd
08.2006 - 12.2006

MBA - Finance

Alagappa University

Bachelor of Science - Science

Govt., Arts College / Bharathidasan University
Sharmila JanarthananFunctions Test Consultant