Resume having experience more than 10 years banking operations Fraud investigation Chargeback Dispute, Card operations. I am also experience in Transition/Migration. Looking for a Job change.

1. CHANDRA BHUSAN TIWARI
Mobile: 09911536277- E-mail:cbthst@yahoo.co.in
New Ashok Nagar, New Delhi -110096
Seeking challenging assignments in migrations / operations management / process management with a
reputed organisation in Banking/financial services sector where I can contribute towards seamless integration
of every area of business and become a source of strategic advantage and an asset for my organization.
PROFESSIONAL SYNOPSIS
• A result driven professional with 10+ years of experience in the areas of migrations (onsite / offsite),
Payment association (VISA/MASTER) Settlements reconciliation, chargeback management, dispute
analysis/ dispute resolutions, credit card maintenance and Team Management.
• Possess effective communication, interpersonal & problem solving skills with ability to handle extremely
busy and hectic schedules.
• Managing overall functioning of processes, identifying areas of improvement and implementing adequate
measures to maximize customer satisfaction level.
• Managing customer centric operations & ensuring customer satisfaction by achieving delivery & service
quality norms.
CORPORATE EXPERIENCE
 Working with WNS Global Services for Mashreq Bank -UAE.
From Feb 10 till date as Team Leader Operation in its credit card and debit card disputes, Chargeback
and card operations unit.
The Interchange team performing under Card Operations of Mashreq bank and Interchange Team is responsible for
performing multiple fragmented activities which include processing/reconciliation/settlement activities. The
processing activities include BT/EC processing, 0% EPP, redemption vouchers, Flex Posting, Telex Batch
processing, Deal Cancellation, Debt Restructuring, Pick up Base II processing, Restoration, Refund , Rejection,
Settlements & Reconciliations with Payment association ( Visa/ MC/ JCB/ CUP/ MDS) etc.
Accountabilities:
• Handling team of 25 Associate, Preparing and sharing Dash-Board (Weekly and Monthly) and MBR
(Monthly business Review) Quality score Productivity with client and with higher Management
• Preparing SIPOC, Process flow, Flow-Chart of All the activities.
• Balance Transfer, Easy Cash reconciliation, Credit Card Write-off Processing, CSU Payment Transfer,
Invalid Payment, Redemption Voucher Processing, IOP Preparation, Reconciliation of all CSU department
transactions which happens on daily basis and Debt Restructuring, Deal Cancellation.
• We do all settlement as VISA SETTLEMENT, MASTER CARD SETTLEMENT, CUP (Chiana Union
Pay) SETTLEMENT, JCB (Japanese Credit Bureau), MDS (Master Debit Switch Settlement) and also does
the Points-redemption/adjustment, balance transfer, inter card transfer, excess balance reversals.
Main Reconciliation responsibility:-
• Transaction processing reconciliation.
• Nostro Account Reconciliation

2. • Invalid Payment /Exchange House Payment reconciliation
• ATM reconciliation for both ON-US and OFF-US transaction.
• Payroll card reconciliation for both ON-US and OFF-US transaction.
• Central bank settlement.
• Chargeback reconciliation.
• Reconciliation of IVR and CDM transaction.
• Suspense account clearing.
Process Transition:
Successfully migrated “a process segment contains more than twenty activities including all the Payment
Association settlements (Such as VISA/MASTER) and Reconciliations”.
Documented and created SOP and FLOWCHART with the help of EPIPLEX and Visio.
Finalized SOP, FTE, SLA done for all processes.
 Worked with RBS Bank (ABN AMRO Central Enterprise Services Pvt Ltd. –Gurgaon.)
As Team Leader Card Operations from Mar09 – Jan’10 in Department: Card reconciliation – UAE
Accountabilities: Reconciliation and VISA/Master Settlement processing and end to end Charge back
processing.
• End to End knowledge about Master Card Charge Back (First Presentment / Retrieval Request First
Charge Back/ Second Presentment/ Arbitration Case Filing).
• Having exposure of handling all sundry reconciliations of the bank; such as utility payments, payroll
accounts, promotion accounts, dual cheque account and many other types of accounts; Skilled in payroll
card reconciliation (comparison b/w DELTA & FINACLE), suspense account maintenance and MIS
reporting to Visa & MasterCard.
• Conducting research on the disputes regarding ATM and Debit card transactions on various bank databases,
making the case history and finally submitting case reports to the investigation team
• Handling visa & master card quarterly & monthly reporting for volume of business for the billing purpose
to Visa online & MasterCard online
• Responsible for preparing and generating management information data and attending to ad hoc MIS
requests received from client under strict timelines/deadlines, Transaction processing reconciliation.
• Chargeback reconciliation & Reconciliation of IVR and CDM transaction, Suspense account clearing
• Charge dispute initiation, including assessment of documents received and resolution.
• Instrumental in handling process automations.
• Successfully implemented the improvement process by challenging the status quo, automation of manual
process using different applications.
 Worked with IENERGIZER in PNB (Punjab National Bank) Card Operation, as a Sr. Executive
from (Sep-2008- Mar-2009)
Accountabilities: Responsible for Visa Card Settlement Process, CMS (Cash Management System) System
Balancing and GL Reconciliation, VISA/Master Settlement processing and end to end Charge back Processing.
• Reconciliation of Visa card Payout and pass the daily general ledger entries including those arising from the
daily reconciliation and settlement processing.
• Chargeback & Second presentment Funds Reconciliation and pass entries in general ledger.

3. • Daily Reconciliation of Finacle GL vis-à-vis Vision Plus reports.
• Business Indicator (Daily Financial Report) Reporting. Handling all type of payment details of credit cards and
making MIS.
• Payment Processing and reconciliation of all corresponding general ledgers which are pertains to Credit card
repayment mode used by card holder. Resolving all customer issues / enquiries relating to repayments thru
channel feedback for process improvements.
• Chargeback: Responsible for Charge dispute initiation, including assessment of documents received and their
cognizance in compliance with the MasterCard and VISA guidelines Having knowledge of Chargeback cycle
Pre-arbitration Fraud Reporting, Safe Reporting, Temp Credit Issuance, Exception File handling Visa Online
and/or MasterCard online
 Over 1.8 Years Operation Executive in Operation Group at ICICI HOME FINANCE
COMPANY LIMITED (a subsidiary of ICICI BANK LTD.) (From FEB.2007 to Sep2008).
Accountabilities:
Processing all type of loans file and repayment, MIS handling, Making coordination between branches
through mails and worked as a Team Leader backup my Team Leader.
Achievements;
• Travelled UAE for a Process Transition of 3 months spam.
• Certified with many training as IT Security, Anti Money Laundering and more which helps to work in
banking sectors or financial originations.
• Lean Certified
ACADAMIC QUALIFICATIONS
• 2005 Master of Science (Maths) from Purvanchal University Jaunpur
• MBA- Retail Banking
TRAININGS
• Banking Fraud and awareness Anti Money Laundering, Flexcube.
• Trainer of new intakes during orientation/on-job interns staff for both the process trainings.
• Training for control Environment, Compliance and advanced Excel training.
PERSONAL PROFILE
Date of birth 12th
Oct 1981
Languages Known English, Hindi
Strengths Eloquent, dynamic, team-worker, result-oriented with strong work ethics
References and further details will be provided on demand.
Chandra Bhusan Tiwari