VINITHA R
CHENNAI
Summary
Payments and Compliance professional with 8+ years of experience across cross-border payments, sanctions investigations, and regulatory support within global banking environments. Proven expertise in risk-based investigations, SWIFT MT & ISO 20022 (MX), sanctions screening, and stakeholder coordination. Adept at supporting compliance decision-making, identifying control gaps, and improving operational efficiency in AI-supported screening environments.
Overview
9
9
years of professional experience
Work History
SENIOR ASSOCIATE
SOCIETE GENERALE
01.2022 - Current
- Led risk-based payment investigations to assess compliance-identified true hits.
- Performed in-depth evaluations of transaction context and fund status to facilitate informed compliance decisions.
- Engaged with compliance and payments teams to effectively implement approved actions, such as releasing, rejecting, returning, or blocking transactions.
- Performed detailed accounting blockage checks and meticulously tracked payments from initiation to completion across entities such as deutdeff, bourfrpp, and kompczpp.
- Analyzed and resolved issues related to Swift MT, ISO 20022 (PACS, CAMT )and SEPA formats during investigative processes.
- Conducted thorough investigations of recurring alert patterns and collaborated on root cause analysis to drive continuous improvement efforts.
- Developed and executed macro-driven Excel workflows, resulting in improved accuracy and reduced processing time for data tasks.
- Trainings: Developed and implemented training modules focused on API payment integration and functionality.
- Tools: FircoSoft, RODE, COBALT, INTIX, VAM, OBEA, SWIFT GPI
SENIOR ASSOCIATE
WNS GLOBAL SERVICES
01.2020 - 01.2022
- Executed processing of single and bulk outward remittances for clients and banking institutions.
- Led investigations into payment processing errors and identified areas for improvement. Collaborated with teams to streamline resolution processes and enhance payment accuracy. Oversaw communication with stakeholders to ensure timely resolutions.
- Managed monitoring of online channel payments to uphold adherence to established currency cut-off deadlines.
- Executed swift messaging operations, including MT101, MT103, MT202, MT202COV, and MT199, to facilitate accurate and timely financial communications.
- Conducted thorough checks and reconciliations to confirm consistency and accuracy of records.
- Tools: NAFURA, UAEFTS, T24, BPMS
PROCESS ASSOCIATE
TATA CONSULTANCY SERVICES
01.2017 - 01.2020
- Resolved payment settlement issues by probing into beneficiary SWIFT details and identifying underlying problems.
- Collaborated with beneficiary banks to rectify account number omissions and ensure proper fund return processes.
- Reviewed and modified payment details to align with client advisements for effective transaction resolution.
- Coordinated advisory communications with banks to streamline payment operations.
- Tracked and reported on payment statuses to maintain accurate financial records.
- Demonstrated expertise in Swift, SEPA, and BACS payment processing systems.
- Coordinated and prioritized urgent requests to achieve same-day settlements ahead of currency cut-off.
- Analyzed and interpreted market trends for exotic currencies such as RUB, MXN, MAD, MYR, and INR.
- Collaborated with cross-functional teams to address and resolve international payment investigations and settlement challenges.
- Identified and addressed root causes of payment failures and returns by examining beneficiary and SWIFT data inconsistencies.
- Facilitated execution of amendments and re-effects based on detailed client instructions.
- Managed interactions with correspondent banks using SWIFT to track and confirm payment statuses.
- Coordinated and processed urgent same-day settlement requests alongside multi-currency payment transactions.
- Managed non-STP and cheque payment processing, delivering accurate credit confirmations to clients efficiently.
- Managed deal bookings and payment processing to maintain compliance with prescribed cut-off schedules.
- Tools: FLEXCUBE, STARS, CITI DIRECT, MIFT
Education
Bachelor of Science - Mathematics
Quaid -e-millath Goverment College For Womens
01.2017
Skills
Payments Investigations & Sanctions Screening
Risk-Based Analysis (RBA)
Regulatory Support (CFT / AML)
SWIFT MT
ISO 20022 (MX, SEPA)
Root Cause Analysis (RCA)
Control Improvement
AI / Rules-Based Screening Tools (User Level)
Stakeholder Communication
Documentation
Advanced MS Excel (Macros)
Reporting
Languages
Tamil
Bilingual or Proficient (C2)
English
Upper intermediate (B2)
Hindi
Intermediate (B1)
French
Beginner (A1)
Awards
- Champion League Award: Quick adoption in process
- Spot Award: Provided training to the new hire and guided the team.
- Star Of The Quarter: Simplified the process with VBA Excel macro
Timeline
SENIOR ASSOCIATE
SOCIETE GENERALE
01.2022 - Current
SENIOR ASSOCIATE
WNS GLOBAL SERVICES
01.2020 - 01.2022
PROCESS ASSOCIATE
TATA CONSULTANCY SERVICES
01.2017 - 01.2020
Bachelor of Science - Mathematics
Quaid -e-millath Goverment College For Womens