1. M.S.BALASUBRAMANIA
N
Address for Correspondence:
Q301 BrenUnity Apartment
Chinnappanahalli Lay out
Brook filed Bangalore -37
Permanent Address
M.S.Balasubramanian
Plot No. 10 Af9 Guru Ashta
Lakshmi Flats,
Thiruvalluar Nagar Main
Road, Keelkattalai
Chennai -117
Mobile: 9035245133
Email. msbala78@gmail.com
Personal Data
Date of Birth : 05 May., 1977
Sex : Male
Nationality : Indian
Marital Status: Married
Languages known to
Read and write:
Malayalam,Tamil,Hindi,
English
Interests and
Hobbies : Reading,
Music,
Career Objective
To be an integral part of a rapidly growing organisation and strive for its growth with utmost
sincerity in every possible way and aim to grow alongwith it.
Professional Record
Higher Diploma in Software Engineering from Aptech Computer Education,Chennai 1998-
2000
Academic record
Graduation
Bachelor of Arts (Economics) , Calicut University,Kerala -1997
Domain Knowledge:
Having good functional knowledge of various Banking ops products such as Trade
Operations, Foreign Exchange, Cash Management Operations, Retail, Loans &
Lending, Credit Risk, and Islamic Banking Products on Trade & Messaging system
(Swift)
Professional experience:
Currently with Oracle Financial Services from Feb 2015 onwards as Solution
Architect Manager
Job Profile/Project: Wells Fargo Payment System
Customization
1. Reviewing requirement specification documents submitted
by the client (RSD).
2. Preparing functional specific documents along with
development team.
3. Coordinating with team for preparation of test cases and
execution of test cases.
4. Reviewing defects and coordinating with Tech to rectify
defects and arranging retest.
Domain Knowledge:
Having good functional knowledge of various Banking ops products such as Trade
Operations, Foreign Exchange, Cash Management Operations, Retail, Loans &
Lending, Credit Risk, and Islamic Banking Products on Trade & Messaging system
(Swift)
CURRICULUM VITAE

2. Previous experience
Worked with Standard Chartered Group Scope International (From Nov 2000 to. Feb 2015)
Last Profile: Senior Manager in Scope - Trade Services Banking Operations
“SCOPE" was set up as a Back Office to cater to Standard Chartered Banks’s needs all over the
globe by the Bank.. It is a wholly owned subsidiary of the Standard Chartered Bank, UK which is also
the largest foreign bank in India, and leader in Asia, Middle East and Africa in Trade Finance
Skills Sets
 Excellent and effective communication – both Oral and Written.
 Courage, patience and quick-thinking to handle extreme pressure situations.
 Excellent rapport to be maintained with several staff/Stake holders all over the SCB across the
Globe
 Good typing speed and software skills.
 Good leadership skills and to be a role model for motivating the subordinates.
 Thorough knowledge of the Application Software running on Mainframe including the SWIFT
alliance & SC STAR /Java based Magellan TP system, Core Banking system.
 Good knowledge of RBI regulations (Master Circular), FEMA regulations, FEDAI guidelines, ICC
publications Knowledge Sanctions, Anti Money Laundering (AML) etc.
 Close liaison with the Bank's Legal and compliance, Global Recon Hub, Global message Centre,
Global Markets, Cash Management Operations Credit ops & other departments.
 Good knowledge of UCP 600 URC 522, ISP 98, URR, ISBP, URDG 458 and other regulations.
Work Profile – General
 Resolving Nostro, Sundry Suspense and RPR (Fx Rate Reconciliation entries) on a daily basis.
 Acting on incoming SWIFT messages within 24 hours & also having a check on outgoing Swift
messages on a daily basis. Hand in knowledge all the type swift messages and their usage which
includes Payments messages & Trade related messages.
 Handling customer calls (branches) on queries and clarifications.
 Approving LODR (open deals) and SLA reports on a daily basis
 Generating correspondence with any related party on intricacies of the transactions.
 Authorizing transaction up to approved limits in the system., currently up to USD 100MIO
 Perform audit on Key Control Standards & submit data on Key Performance Indicators.
 Maintaining log on internal and external errors and analyzing to improve the same.
 Service Guarantee Monitoring and ensuring on daily basis that there is no breach in the Process.
 Managed Team of 25 members with direct reporting of 12 staff.
Last Assignment Work profile in SCB group
Was assigned with task of reengineering process of Commodity Operations of SCB group office in
Singapore “Fit for Growth program for Standard chartered Bank PCO (Physical Commodity
operations)
1. Redefining various Commodities related process notes / Department operating instructions.
2. Defining the roles and responsibility of Commodities operations with various internal stake
holders of the bank such as legal & compliance, finance, Credit risk unit, commodity Middle
office at Trade operations.,
3. Review of Region specific audit comments and ensuring that regions following the right
process and close the audit comments with in the deadline period.
4. Arranging calls with various regions and discussing regional specific process and align the
same with group operating module.

3. Work Profile handled: : Senior Manager Open Account Trade Finance
Handling Open account Open Account trade products
1. Export Invoice financing
2. Import invoice financing
3. Receivable Service Both imports & Exports (Correspondent Bank Factoring)
4. Buyers Credits
5. Financial Institutions Loan such Reimbursement refinance, Refinance under Letter of Credit
Trade Loans etc.
Work Profile handled – Manager Bonds & Guarantees
 Manager for Global Guarantees team in GSSC-India.. Scrutinizing of Bank Guarantees both
inbound and outbound
 Handling Claims & Settlements of Claims. Both Extension and Pure claim.
 Closely liaising with Financial Institutions of SCB all over the Globe and with Correspondent
Bank for Smooth completion of Transactions
 Follow up with Group Banks and Correspondent bank for recovery Guarantee commission
outstanding.
 Exposure checking and maintains of Correspondent banks for the Guarantees issued.
 Monitoring of Margin Reconciliation of guarantees.
 Monitoring of Periodic recovery of Commission for Open ended guarantees, deferred
commission recovery period basis for specific customers.
Work Profile Handled Exports Specific
Export L/c advising and Confirmation, Export documentary collection, Export payments, Bill
discounting, Export Receivable Services (Purchase) Insurance Factoring of Export Bills, Bank to
Bank Reimbursement’s. Bills under negotiation. Document Checking Under L/c, Preshipment Loans
&Post Shipment loans./ Overseas lending (Financial institution loans)
Work Profile Handled Imports Specific
Import L/C issuance (All type of Special L/cs), Import Drawings (Presentations) L/c Payments.
Imports Bills under collections, Payment Advance remittance, and direct remittance. Buyers credits,
Shipping Guarantee and Delivery Order issuance etc., LATR (Loan against trust receipt), Import
invoice financing and Domestic Finance under Buyers Limit.
Am also keenly involved in activities like BCP (Business Continuity Plan) and DR (Disaster
Recovery) for trade services.
Significant Achievements
 Project assignment basis Worked at Standard Chartered Bank South Africa Johannesburg
Branch ( during 2008)
 Assignment: Reengineering of Current process at SCB South Africa and aligning the process with
SCB Group Standard. Successfully completed the assignment by reviewing &implementing
various documentations which includes BCP Plans, Capacity model revision, Revising
Department Operating instructions (DOI) various Trade Products. Customer Feedback systems,
External error tracking, Document Managing at Branch side etc. Defining and fixing roles and
responsibility between Spoke , Hub Module(Front office and Back office concept)
 Made valuable suggestion for process improvement and systems changes which has resulted
positive impact on various trade products.
 Pledger Tracker given for Guarantee Vetting mentioning Observations for the transaction will be
provided with in 45 Minutes time from the date of receipt of documents at our desk. This has
drastically changed the TAT for guarantee team Wholesale Banking Head for Standard
Chartered Bank has given award best team for successfully completing the same for Ist 3
Months from the date of initiative.

4.  Nominated to participate audit along with Country Operational Risk Group for SCB Dubai Back
office process for finding & fixing the process gaps in the process especially with regards to
Operational Risk & Financial risk on Sanctions guidelines, L/c Products and Guarantees & other
trade products
 Various process migration /System migration done in open account finance.
 Was the Key member of management team migrating and setting up office in Bangalore for
Trade operations and was heading open account portfolio in Bangalore office.
 Was leading team which did the open account trade migration from Legacy system to the new
in house system of Standard chartered Bank “Magellan”
 Involved migration process from Country ops from to back office in India for Mauritius,
Africa region especially Nigeria, Uganda, Ivory Coast, Gambia, Sierra Leone
 Was a core member of the team for Trade operations both SCB India on migration of Core
Banking system (EBBS) from the legacy Hogan system.
Strengths.
♦ Good team player. ♦ Organized and well-structured at work. ♦ Committed to deadlines and
schedules. ♦ extremely quick in grasping new concepts, ideas etc. – Very short learning curve.
Reference: Provided on Request.