Raghavender Murali , Copenhagen, Denmark

I have around 5+ years of experience as a Business analyst and around 3 years as a team’s product lead focusing on payment systems. Ever since I became a Business Analyst, I have always had a flair and loved working in the Payments side of the banking industry and always wanted to one day be called a “Payments connoisseur”. I hold 2 diplomas in Business Analysis and Software Testing, specializing in Payment systems. The Payment system is something that I always read about and get lot of ideas while reading more about it on the net.

In my carrier I worked with top banks (CITI Bank, Standard Chartered Bank (SCB) and Indian based NBFC TVS Credit services), here are my few achievements & new implementations.

- When I work with TVS Credit service, I solely implemented a new system called M-Collection this involve collecting a payments from default customer in their door step, in this I have introduced a new payment type where end customer can make a payment with Credit/Debit card with PCI-DSS ENCRYPTION, initially they have only Cash payments and it involved lot of manually interventions to staff. I have deal with new stakeholders of third party service provider for card acquired, issuer & POS provider, third party service provider to implement a new system. New system was designed and implemented within 4 Months. Once new system implemented it saved me lot of manual work on end user and also made a systematic authorization & settlement in collection system.

- While work for Standard Chartered Bank, I have implemented a new system tool called Universal Adapter(UA) Payments. This was the one of the smooth implementation and on-board new client with minimal payment information. It will be a self creating template where on-board new client need to set the details in the template, once it is complete user want to upload CSV format file to process the payment to end customer. On Implementing new tool I have been awarded has GEMS of the year.

- Implemented ISO20022 for UAE-WPS payments, this was a regulatory change project where SCB UAE want to implement for WPS(Wage Protection System), where SCB UAE customer will give only minimal information for employee details, after a deep discussion with business team, have implemented a new format that support ISO20022, where in this customer will generate a XML formatted file where SCB system will fetch from client H2H system and process the payment according to end system behavior and generated MT103 to process payment to employee.

- In CITI bank I have implemented a new tool for MT191 payment processing. I worked as a fund transfer processer in for CITI FT team which is based out of US(CITIUS33) payments, where we have a huge volume for initiating MT191(Charges) for MT103 transactions. I was SME (Subject Matter Expert) for CITI FT team, so I have created an engine for MT191 processer tool. This was created in VBA Macro where user need to import transaction dump of MT103 transaction which processed and settled, so user can search with processed reference number and generate MT191 in GLOBAL PAYPlus system. This saves 4 FT’s (Full Time Employee) and $200.000 per annum.

I’m sure that your organization would benefit from my skills in the following areas:

• More than five years of experience managing multiple projects in banking and financial sectors in regulatory project
• Huge love for the Payments systems
• Deep knowledge and relevant experience with SQL, VBA, MACROS, Python, CRM applications(MS Dynamic 365), MS Office Suite and G-Suite
• Experience in taking decision on own during critical period
• Have good experience in implementing project and coordinate with other team in implementing new system
• Experience in working in reporting tools like JIRA, Confluence, Tableau
• Well-trained and possess good grip over Waterfall, Agile approaches and methodologies. I am pursuing knowledge on SAFe Product owner.
• Certified and well-trained Business Analyst with proven experience as well as good knowledge
• Certified Scrum Product Owner & Scrum Master from Scrum Alliance.
• Subject matter expert in various payment schemes and processing like Industrial Formats, Data capturing, Validation & Routing.
• Good Knowledge in SWIFT(MT 1xx, 2xx, 7xx & 9xx), industrial message formats like ISO20022, Faster Payments, Direct Debit, CHAPS, SEPA and payment clearing systems, PSD2
• Well experienced to manage multiple stakeholders both Internal & External
• Experience performing QA testing, and basic programming level knowledge to be able to interact with other IT teams whenever necessary