Fund Transfer

Sr. Payment Analyst Funds Transfer.

Skills and Qualification –

• Process and verify high-volume fund transfer transactions accurately and within established service level agreements (SLAs).
• Execute domestic and international wire transfers through various payment channels.
• Process ACH transactions, Fedwire payments, and other electronic fund transfers.
• Review payment instructions for completeness and regulatory compliance.
• Monitor payment queues and ensure timely resolution of pending transactions.
• Investigate and resolve payment exceptions, rejects, returns, and repairs.
• Perform account validations and beneficiary verification checks.
• Coordinate with business partners, banks, clients, and internal teams to resolve transaction-related issues.
• Ensure adherence to US banking and Payment regulations.
• Identify and escalate suspicious or potentially fraudulent transactions.
• Maintain operational controls and support audit and risk management activities.
• Prepare daily transaction reports, reconciliations, and management updates.
• Participate in process improvement initiatives to enhance efficiency and reduce operational risk.

Key Deliverables:

• Process domestic and international fund transfers with a minimum accuracy rate of 99.5% or higher.
• Ensure all wire, ACH, and SWIFT transactions are completed within established timelines and cut-off windows.
• Complete daily transaction volumes in accordance with operational SLAs.
• Perform thorough validation of payment instructions to prevent processing errors and fraud.
• Adhere to all internal controls, dual authorization requirements, and payment governance standards.
• Escalate and mitigate high-risk or suspicious transactions in accordance with compliance procedures.
• Investigate and resolve payment exceptions, rejects, returns, and customer inquiries within agreed turnaround times.
• Minimize payment failures and operational losses through proactive issue identification and resolution.
• Partner with internal and external stakeholders to manage complex payment investigations.

Technical / Non-Technical Skills:

• Excellent MS Office skills – MS Excel, Power Point, Excel Macros and E Mail Drafting
• Good Typing Speed of 28 WPM with >=95% accuracy
• Excellent Communication skills – to Review Email, to attend Client Calls, Onshore Training etc

Behavioral Skills:

• Strictly US Shift Working Hours (8.30 PM IST To 5.30 AM IST)
• Should be flexible to do Over Time duty if required.
• Work from Office – No Hybrid of WFH
• Should be flexible with the weekly off

Certifications Needed:

• Minimum experience required: 4+ Years in banking operations, specifically with Fund transfer processing, both domestic and international
• Demonstrated expertise with wire transfer systems
• Experience handling high-value transactions with minimal supervision
• Prior experience working in a regulated financial environment with exposure to risk controls and compliance procedures

Expected Competencies:

• Interpersonal Effectiveness: Candidate should be a team player and demonstrate required aptitude and attitude towards work and the Team.
• Service Orientation: Candidate should be Customer Centric and committed to delivering the best to Customers and the Business.