1. NIRMAL KUMAR. N
Mobile: +91 984-144-1911
E-Mail: n.nirmalkumar1981@gmail.com
PROFESSIONAL PROFILE
A dynamic professional with 13 years of experience in Process Migration, Implementation, Business
Analysis, Product Management, Project Management, Employee Training & Development
Employed in Scope International Pvt Ltd. since Dec 2014, designated as Manager, Central Risk Team
Worked Onsite in Europe (Amsterdam) long term visit for RBS critical Process migration; led ‘SAS 70 Audit
project’ for Electronic Payment application and worked with External Auditors
A keen communicator with excellent Relationship Management skills
Certified ‘International Cash Management’ with Royal Bank of Scotland [Cert ICM]
COMPETENCY GLIMPSE
AML : Customer Sanctions Review, Posvet, Client Screening, KYC, CDD, Sanctions & PEP’s, SARs
International Cash Management : Electronic Channels, SEPA, Liquidity Products, Online Client Services
SME in E-banking APP. : Electronic Payments, Real time Balance & Reporting, Online Administration
Payments : Single, Batch, Urgent, Salary, SEPA CT/DD, Cross Border, FX, File Upload, Fusion, SWIFT
End to End flow : Payment initiation, Clearing & Settlement, Investigations
Manual Testing : BV-coordination, Planning, Test-Script Preparation, Execution and Aftercare scenario’s
Payment File Formats : BSI VDB, SAP, Treasury, PAYMUL, Clieop03, Xml messages, etc.,
Business Tools : Quality Centre 9.2, Test Director, MS Office, Firco Soft (AML)
Process Management & Quality Compliance
Setting out quality standards for various operational areas, mapping business requirements and
implementing the processes in line with the pre-set guidelines
Monitoring the overall functioning of processes, identifying improvement areas and implementing adequate
measures to maximize customer satisfaction & organization benefits
Operations Management & Client Servicing
Achieving service quality by providing 3rd
line client support for Electronic Banking products by
answering queries & resolving their issues within agreed Turn around Time
Preparing MIS reports & other statements with a view to apprise management of the operations and assist
in critical decision-making process
Team Management
Leading, managing & monitoring the performance of team members to ensure efficiency in process
operations and meeting individual & group targets
Comply with HR performance processes by setting objectives for all direct reports and conducting mid/full
year performance reviews
Training & Development
Conducting training and motivating the team members to accomplish team activities
Framing training objectives based on needs after assessment of gap between skills available and desired
Determining training needs of associates for suitable training programs ensuring operational efficiency
ORGANISATIONAL DETAILS
CAREER HIGHLIGHTS (4)
Since Dec’14 to till date with Standard Chartered Scope International Pvt Ltd., Chennai
Manager – Central Risk [Customer Due Diligence – Quality Assurance, Operational Risk & Control]
CDD Review is conducted for ‘New to Bank’, ‘Periodic Reviews based on Risk’, ‘Triggered Reviews’ for
Corporate and Institutional clients (CIC) to mitigate risk based approach for bank to carry out business txns.
Sampling of these CDD reviews are evaluated by our team on continuous basis to assist the Operations
Team ensuring Group standards is maintained with at most quality via Key Control Sample Analysis (KCSA).
2. Manager – Customer Sanctions Review [AML - Tuning Management & Customer Sanctions Review]
Whenever a breach involving a customer of SCB is identified, a review and evaluation of the underlying
customer relationship must take place. This review and evaluation is called a Customer Sanctions Review
Customer Sanctions Review facilitates the Country FCC to arrive at a decision whether the Group will exit
or retain the customer relationship
The CSR team prepares the Customer Sanctions Review for transactions rejected by SCB & transactions
undertaken by SCB but rejected by other banks for “sanctions” reasons
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Served as TSS Implementation Lead - gathering the System specific requirement from the stakeholders to
prepare the Functional Specifications Document
Preparation of Functional Specifications, Internal Pilot Plan, External Pilot Plan and own the Project plan
Development of an extensive set of test cases covering all possible scenarios for thorough testing and
actual testing wherever required
Coordinate UAT to validate the sample data in new TSS environment (FIRCO)
Provide clear and appropriate reporting to TSS Project governance committee via ‘Project Work Group Call’
CAREER HIGHLIGHTS (3)
Since Jun’05 to Nov’14 with Royal Bank of Scotland Group Business Services Pvt Ltd, Chennai
Jan 2014 - Nov 2014 Manager/BA, Anti Money Laundering - Global Client Screening
Mar 2013 - Dec 2013 SEPA Project implementation & Test Lead (Leading 25 member team)
Nov 2011 - Mar 2013 Asst. Mgr - Manual Test Lead - Business Verification Testing Team
Apr 2010 - Oct 2011 Functional Analyst (Business Maintenance Officer)
Jun 2005 - Mar 2010 Team Lead, 3rd Line Functional Support - Pymts & Invests
Manager - Anti Money Laundering [Global Client Screening, Product Management]
Provide analysis and Solution Definition for various AML projects
Review Change requests, Business requirements, test plans and test completion reports related to GCS
Coordinate system, process & procedure releases (Testing, Training) & after-care support
Administrate the systems to pro-actively resolve issues reported by stakeholders
Participates in projects and have a shared responsibility to successfully complete and deliver the project
objectives on time, within budget and with the highest possible quality
Assistant Manager – Business Verification Testing
Led 25-member unit, involved in Business Verification & Internal Pilot testing for RBS Group
Planning project activities viz. scoping, estimation, delivery management & post implementation support
Assist team to understand the business requirement for BV-coordination, Planning, Test-Script
Preparation, Execution and Aftercare scenario’s
Manage operational aspects of project & gather necessary data involving multiple-stake holder interactions
Presenting Performance Dashboards to Top Mgmt; Lead business impact call during Change weekend’s
Allocate resource for test script execution during change week, track the change schedule during execution
Review standard test scripts; amend changes & seek necessary approval before change roll out
Team Lead - Operational Responsibilities (till 2010)
Led 14-member unit, handling 3rd
Line Support - Payments & Investigation for EB Channel-GTS Ops
Successful delivery of (techno) functional solutions by investigating & deliver results within agreed TAT
Ensure completeness, accuracy on deliver of solution and progress on open service request’s until closure
Coach the team to increase their capability with respect to the understanding & solving of payment queries
Mould the team by taking ownership for elements of planning and introduce supporting tools & techniques
Put in place controls to measure process sustainability & maintain individual performance metrics
Escalate high-end issues & seek approval appropriately from top management incase of any deviation
Handle administrative MI activities, Org chart, Monthly Ops report, Service Schedule, Group Audit Control
Contributions & Achievements
Introduced Lean methods within team - Visual management, Workplace layout, and eliminate waste
Implemented Knowledge sharing and Cost savings Initiatives - Automate reports to gain team efficiency
Identify potential areas for grooming emerging leaders among the team through regular assessments
Reorganized team size by conducting ‘Capacity Management’ & implemented ‘Time sheet’ management
Ensure Operations meets all regulatory commitments and comply with the ‘Payments Standard’ framework
3. Strengthen Team’s Coordination by conducting team activities - ‘Value Card’ approach
Conducted ‘Idea Zone’ - an activity to encourage new ideas and process improvements
Individual Contributor - Functional Analyst (till 2011)
Functional owner for Online Payments (Access Online/Direct) and Midoffice (Payment Router)
Review & approve Product Releases, Enhancements, Urgent Fixes by coordinating with multiple parties
Chair ‘Functional maintenance Meeting’ to discuss & prioritize open issues, bugs for next release
Participate in ‘Business Continuity Group’ calls to provide functional expertise on application fluctuations
Discuss Root Cause Analysis and recommend system stability improvements to Technology Services
Sign-off Testing documents from Test team and provide comments for any changes required during testing
Provide Change Requests to Change Managers which consist of changes to be made in the product
Onsite Implementation - AMSTERDAM
Worked Onsite in Europe, duration of 3 months to accomplish an Auditing project (SAS 70) for EB Channel
Visited Europe for 2 months, to facilitate ‘Business Maintenance Officer’ role & ensured smooth transition
COST INITIATIVE & PROJECTS
Client : The Royal Bank of Scotland Plc
Project : SEPA Migration - SEPA Credit Transfer & Direct Debt roll out using XML files
Period : Mar - Dec 2013
Details : SEPA standardizes the transfer and settlement of Euro transactions by introducing one
international electronic format (ISO 20022 XML) and will create a single market for handling Euro transactions
within the Single European Payments Area. To achieve this, RBS introduced a new payment engine for SEPA
payments called RPE (RBS Payments Engine). RPE is based on the Open Payments Framework, a software
application from Clear2Pay, in a phased manner with a defined target for December 2013.
Client : The Royal Bank of Scotland and ABN AMRO BANK N.V.
Project : Amstelveen Data Centre Exit Programme (ADCE)
Period : Nov 2011 - Mar 2013
Platform : Message Queue’s, ISAP, Server migration from NL to UK
Project Coordination - ‘ADCE’ project that deals with Server and Datacenter separation between RBS - ABN,
from NL to UK. Coordinated for Message Queue (MQ) bridge implementation in UK and later move the
Production (PR) and Test (ET/ST) environment servers of Cash based applications to RBS UK
Achievements: ‘International Banking Change Recognition Award’ for handling ADCE Programme
Client : SHELL TRESURY for RBS (Cost save project)
Project : Helping Shell achieve Straight through Processing (STP) for Paymul & XML files
Period : Apr - July (2011)
Details : Client Shell had mistakenly used transaction file templates and this caused parser rejection in
Payment Router (Midoffice), resulting a cost to bank of €4/transaction by Vendor to repair. On a monthly
average client faced 30 such STP failures. Took a proactive measure under my governance to convert the
technical validations performed by Payment Router for payments, into an easily understood guide and the
same was shared with client. This has resulted in reduced number of Shell's Payment files being rejected within
Payment Router, a major success for Shell and RBS. An extra mile to reduce cost saves of €1500/annum.
CAREER HIGHLIGHTS (2)
Feb’03 - Jun’05 SCB-Scope International Pvt. Ltd Team Leader, Consumer Banking
CAREER HIGHLIGHTS (1)
Mar’02 - Jun’03 Scientific Publishing Services (P) Ltd., Data Processor [E-Publishing]
ACADEMIA
Master of Business Administration, HRM IGNOU
2005 - 2007, [First Class, Distinction] Delhi
Master of Financial Management Pondicherry University
2001 - 2003, [First Class] Pondicherry
Bachelor of Mathematics Guru Nanak College
1998 - 2001, [First Class] University of Madras, Chennai
PERSONAL PROFILE
Date of Birth 26.03.1981