Nirmal Kumar has over 13 years of experience in process migration, implementation, business analysis, project management, and employee training. He currently works as a Manager for the Central Risk team at Scope International Pvt Ltd, where he leads quality assurance processes and operational risk compliance. Previously, he worked at Royal Bank of Scotland for over 10 years in various roles including business verification testing, anti-money laundering, and payments processing. He has extensive experience in electronic banking applications, payments, auditing, and SEPA migration projects.

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 People & Relationship Management skills (Max. Team size - 50)
 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
Team Manager – Central Risk [Customer Due Diligence – Quality Assurance, Operational Risk & Compliance]
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 (18 member) 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 – AML Customer Sanctions Review [Team Size - 20]
 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 50 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 20-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

4. Address No. 18/13, Kanchipuram (M) Street, 2nd
floor, Choolai, Chennai – 112