Shubhojeet Mittra

Payments are synonyms for banks and financial institutions. It forms the very existence of the BFSI sector, which means that the industry can never meddle with the intensities and contingencies of the payment systems. Daily payments and transactions worth billions of dollars take place, which exposes the process to multiple risks simultaneously.
As the payment system is steadily shifting to the digital platform, it further raises a serious threat and concern regarding the security of the payment platform. Fraud and operational risks are high in payment innovations.
Fraud – A payment transaction that is carried out in a deceptive way and leads to huge financial loss. This kind of payment transaction falls under fraud risk category.
In this project I was involved in testing the following Fraud and Risk activities-
1. Multiple payment instruments and channels like RTGS (Real Time Gross Settlement), IMPS (Immediate Payment Service), NEFT (National Electronic Funds Transfer), Wallets, Card Payments, ATM/POS transactions, Internet Banking, Mobile Banking.
2. ACH networks and NACHA Rules.
3. Automated teller machines (ATMs) and automated intake of ATM deposits.
4. High-to-low debit posting.
5. Wire transfers, including security procedures for in-person wire transfers and defenses to unauthorized wire claims.

Client : HSBC

HSBC Holdings plc is a British multinational investment bank and financial services holding company. It is the second largest bank in Europe.

Roles and Responsibilities

• Coordinate, deliver, design, and execute User Acceptance Testing (UAT) within KYC/AML.
• Ensuring that all processes, enhancements, and systems implementations are robustly tested, and any defects are resolved ahead of production releases.
• Understanding Business and Function requirement documents (BRD’s/FRD’s) and develop detailed Test Cases along with creating a UAT Test Plan, Strategy and UAT closing documentation.
• Acting as UAT Test Lead and/or UAT Coordinator in driving UAT progress according to the projected forecast.
• Performing tests & retests, updating the HP ALM with the appropriate test results, and evidencing of test results.
• Log defects in HP ALM and attach defect log and accurately trace the defects to the impacted Test Cases in HP ALM.
• Preparing the testing progress status reports for project stakeholders and all project participants. (Pass, Fail or Not Applicable).
• Report risks to the UAT Manager for all gaps in UAT scope that may cause incorrect interpretation of UAT result.
• Working with the Project Manager and collaborating effectively with various business partners.
• Fixed identified issues to increase productivity and boost workflows.
• Created testing protocols to be used across product lines.

CITI KYC project was all about User Acceptance testing of CITI core banking application. The major functionality of the application was to do a KYC of the client which helps to analyze the risk of the

Clients and various aspects of business. I was involved in testing the following functionalities –

- Analyzing alerts and investigating customers who match with Special Designated National (SDN), Politically Exposed Persons (PEPs) and Negative Media list during the account opening and maintenance processes.

- Conducting enhanced due diligence investigations in support of policies and procedures.

- Reporting unusual client activities which might relate to sanctioned individuals, money laundering or terrorist financing

Roles and Responsibilities -

• Conducted KYC formality reports on questionable accounts and transactions.
• Educated staff on anti-money laundering and financial crimes to escalate and monitored testing results on related controls from business unit compliance officers.
• Analyzing the BRD and FRD and creating a high-level test strategy in Business Specific Module.
• Analyzing the BRD and FRD of various countries and understanding different rules and regulations and creating the high-level strategy plan.
• Creation of Test Plan and Planning tracker for the entire release.
• Creation of the Test Cases and reviewing the Test Cases written by other resources.
• Monitoring the daily status of the test execution, defect and sharing the details to the clients in Daily Status calls.
• Execution of the High Complexity test cases.
• Initiating Periodic Review and Client Refresh of the clients and validating the approval workflow, Next PRCR review date is getting generated correctly.
• Addition of New Products and Services to the Clients and validating the workflow.
• Add new BO/Members and validating if any REG rule is met the respective approval is getting triggered.
• Modify Country Appendix of the present Clients.
• Deactivating and Re-activating the country Appendix.
• Adding a high-risk country appendix and validate the workflow rules.
• Operated under Agile and Scrum frameworks to complete every release in assigned timeline and in well-organized sprints.
• Collaborated with developers and product owners to stay current on product features and intended functionality.
• Identifying the methods of controlling the client KPI’s for various data reference.
• Creating different graphs and charts to broadcast the work done by the team and highlighting it to the clients.
• Recommended changes in internal audit controls.

With Unfyd we came up with a concept of providing solutions with BOT, TALK, CRM and LINK which helped our customers to manage online 24X7 help using BOT route the unsolved Queries to TALK wherein the agent will guide with the respective solutions if the customer requires sales support, then route the same query to CRM for Sales and Maintenance and LINK for logging tickets.

Roles and Responsibilities -

• Gathering Requirements from the Customers capturing it in Business Requirement Document.
• Analyzing the FRD form the development team and work on identifying the Test Scenarios.
• Creation of Requirement Traceability Matrix with the help of BRD and FRD.
• Develop testing programs that address areas such as database impacts, software scenarios, regression testing, negative testing, error or bug retests, or usability.
• Design test plans, scenarios, scripts, or procedures.
• Document software defects, using a bug tracking system, and report defects to software developers.
• Implemented Test Link an open-Source Tool for managing Test Case Status and Tacking.
• Reviewed, evaluated, and identified requirements for testability.
• Plan test schedules or strategies in accordance with project scope or delivery dates.
• Develop or specify standards, methods, or procedures to determine product quality or release readiness.
• Collaborate with field staff or customers to evaluate or diagnose problems and recommend possible solutions.
• Monitor bug resolution efforts and track successes.
• Create or maintain databases of known test defects.

Hewlett Packard Enterprise came up with a Software to manage the Storage Box end-to-end. The Software had both GUI and CLI support and provided enterprise-class Storage Area Network (SAN) services using standard Ethernet technologies and infrastructure.

Roles and Responsibilities -

• Authored and maintained well-organized, efficient and successful manual test cases for entire team.
• Tested hardware and software within tightly controlled sandbox environment prior to release to production.
• Supported virtualized environment for servers used for testing and backend servers. Tested functional and compatibility of new programs or updates in comparison to existing applications.
• Evaluated function, performance and design compliance of every product against design standards and customer needs.
• Recommended changes and corrections to developers for optimal software performance and usability.
• Operated under Agile and Scrum frameworks to complete releases and well-organized sprints.
• Conducting d-STUM meetings and acknowledging the Issues/Concerns - Taking the un-resolved Queries of the team to WOM
• Monitored resolution of bugs, tested fixes and helped developers tackle ongoing problems by providing QA perspective.
• Documented testing procedures for developers and future testing use.
• Worked well in a team setting, providing support and guidance.
• Debugged code and located root causes of problems by reviewing configuration files and logs.