Being a qualified Post Graduate holding Master in Computer Applications (MCA) and a seasoned IT Professional, I have a rich and extensive experience of over 16 years, including 18 months in International (USA) environment for Banking & Financial Services sectors which deal with Retail Banking, Card Switching and Payment Gateways, Cards Processing for Financial & Non-Financial Transactions of eCommerce, Electronic Funds Transfer (EFT), Settlement of funds across various financial entities in day to day Core Banking and Electronic Payments.

1. Prasanna Ramachandran
14/17, Bharathiyar Street, Mehta Nagar, Chennai 600029.
+91-9500072735 ▪ prasannaxramachandran@gmail.com ▪ https://in.linkedin.com/in/prasannaramachandran
Objectives
A qualified Post Graduate (MCA) and a seasoned IT Professional having rich and extensive experience of over 13
years in Banking & Financial Services sector and over all near to 17 in IT profession seeking business, leadership and
technical challenges for further career growth along with the associated organization.
Technical Skillset
Technology Mainframe, GUI and Web
File Management and
Databases
VSAM, IBM DB2, MS SQL Server,
Oracle
Development
Methods
Waterfall, V, Iterative, Agile Development Tools
File Aid, File Manager, SYNCSORT,
IBM Utilities, HTML/DHTML
Operating System Windows, Mainframe Testing Tools HP ALM, HP UFT
Languages COBOL, JCL, Core Java, C/C++ Transaction Tool FINSim of GFG
Scripting Tools
VBScript, JavaScript, Quick Test
Script
General Utilities MS Office Suite, FTP/FTPS
Competence
Functional and Non-Functional
Testing (DR/BCP)
Technical Roles Played
Project Coordinator, Hands on Test
Manager and Lead, Business
Analyst, Developer
Experience and Skills
FIS GLOBAL BUSINESS SOLUTIONS INDIA (P) LTD., CHENNAI ▪ www.fisglobal.com
Experienced with the Retail Banking and Electronic Payments Solutions’ Software with exposure to solutions related
to all aspects of retail banking, i.e. institutions’ funds flow and settlement, customer accounts’ management,
cards/payments processing, internet banking, exception and disputes management etc. through various channels
from TN3270 screens, GUI, Web, Mobile and Other devices’ interfaces.
Senior Software Test Lead I ▪ Systematics ▪ April 2014 – March 2016
 Full end to end functional knowledge on business flow for Systematics (Core Banking) Deposits applications of
Integrated Monetary Processing and Control System (IMPACS/IM) and Savings Time (ST).
o Opening of various Current Accounts and Savings Accounts (CASA).
o Opening of various Term and Fixed deposits, Club and Retirement accounts.

2. o Integrated management of Customer through Relationship Manager.
o Associate various accounts in the available defined relationships of joint, co-owned, business etc.
o Funding of different account type of IM and ST accounts.
o Generation of statements at various time periods and batch processing.
o Accruals, rates, sweep and billing setup and processing.
o Associating overdraft provider with internal and external accounts and credit cards.
o Placement of Stop/Hold and Suspect activity on the accounts.
o Financial transactions on accounts against Stop/Hold or Suspect placed on them.
o Loan and periodic payments to the loans setup and processing.
o Regulations on the transactions processing for different account types of IM and ST.
o Account conversions from Current to Savings, Product change and account type changes for age
related criteria (i.e. a student account becoming a CA/SA on the age limit 18 reached).
o Various account status changes from active to dormant, closed, purged etc., manually and
automatically depending upon the processing criteria that are maintained via various parameters and
control record entries.
 Full end to end functional knowledge on business flow for Systematics (Core Banking) Lending applications of
Automotive Finance or Auto Finance (AF) and Advanced Lending Solutions (ALS)/ALS Manager (AM).
o Opening of various Dealers, Customers and Entities’ lien (loans/liens).
o Creation of various product based loans for Home Equity Line Of Credit (HELOC), Fixed Rate Mortgage
and Adjustable Rate Mortgage, Vehicle Lease/Purchase Loans, Insurance on Loans.
o Integrated management of Customer through Relationship Manager.
o Associate various accounts in the available defined relationships of joint, co-owned, business etc.
o Funding of different loan accounts.
o Generation of statements at various time periods and batch processing.
o Accruals, rates and billing setup and processing.
o Associating overdraft provider with internal and external accounts and credit cards.
o Placement of Stop/Hold and Suspect activity on the accounts.
o Financial transactions on accounts against Stop/Hold or Suspect placed on them.
o Loan and periodic payments to the loans setup and processing.
o Regulations on the loans and transactions processing for different loan account types that include
Service members Civil Relief Act adherence and processing.
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3. o Loan extensions, renewals, pay-offs and charge-offs processing with various reports processing and
PARMS setup with maintenance.
Senior Tech Lead ▪ Cardbase and DataNavigator ▪ November 2010 – November 2013
 Full end to end functional and business flow knowledge and specialization for Cardbase and DataNavigator
(Electronic Payment, Cards Processing and Disputes Management) applications which involve but not limited
to:
o Issuer daily transactions log processing to strip, process and report financials and non-financials of the
issuer, post the purchase completion or reversal of authorizations, perform or generate automatic
reconciliation (match and drop), generate the ACH files to be processed in the daily batch clearance.
o Opening of various electronic payments cards and virtual cards associated with Current Accounts and
Savings Accounts (CASA) and credit lines (LOC).
o Opening of various Current Accounts and Savings Accounts (CASA) and credit lines (LOC) through
integration with Customer Information System (CIS).
o Funding of prepaid, sponsored cards and gift cards via direct debit to associated sponsor card,
internet banking of the customer’s CA/SA and credit card.
o Authorizations hold, incremental holds, reversals of holds that include full and partial.
o Cash back, cash back reversals that include full and partial.
o Processing the authorization requests and approvals which involve the cardholder to do an electronic
transaction via the payment card, the acquirer bank (merchant bank) sending the transaction to the
issuer bank (cardholder bank) by sending the financial authorization request and completion
messages.
o Financial transactions posting or reversal by online or batch that involves transaction approval and
debiting the cardholder by the issuer bank (cardholder bank) to reply for the acquirer bank (merchant
bank) sending the financial request and completion message.
o Non-financial transactions processing of Balance Requests, Statement and Mini Statement Requests,
Business Marketing Opt in and out.
o Perform and process the financial and non-financial transactions initiation from various inputs such as
ATMs, POS devices, Checks and Imaging for Proof of Deposits (PODs).
o Perform and process the disputes addressed, reversals posting, perform chargebacks and exceptions
management through the CZ and DataNavigator (issuer) tools of the Cardbase for the financial and
non-financial transactions.
o Compliance and Mandates design, delivery and implementation periodically by working as Business
Analyst, Designer and Advisory of Implementation by interacting with respective BA and Designer from
various networks such as MasterCard, Visa, Discover-Pulse, CO-OP etc. and other payment gateways
of PULSE, Cirrus, RGNL etc.
o Disaster Recovery (DR) and Business Continuity (BC) for the various issuer interfaces of GUI, portals,
hand held devices, POS machines, ATMs, IVR, Phone and Internet Banking, Internet Payment Gateways
for various networks.
Senior Tech Lead ▪ Settlement and DataNavigator ▪ September 2002 – November 2010
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4.  Full end to end functional and business flow knowledge and specialization for Settlement and DataNavigator
(Electronic Payment, Cards Processing and Disputes Management) applications which involve but not limited
to:
o Financial and non-financial transactions that include authorizations requests, transaction reversals that
include full and partial, generating and sending purchase proofs for posting completions from the
networks.
o Acquirer daily transactions log processing to strip, process and report financials and non-financials of
the acquirer, post the purchase completion or reversal of authorizations, perform or generate
automatic reconciliation (match and drop), generate the ACH files to be processed in the daily batch
clearance.
o Universal Fee Billing process for Settlement which involves billing the acquirer, issuer, interchange
payment networks and processors for the transactions that were routed from merchant device of POS
or ATM or phone and internet banking to the respective issuer and vice versa.
o Disaster Recovery (DR) and Business Continuity (BC) for the various issuer interfaces of GUI, portals,
hand held devices, POS machines, ATMs, IVR, Phone and Internet Banking, Internet Payment Gateways
for various networks.
o Processing the financial transactions to report the funds that were dispensed directly from ATMs or
handed as cash back at POS by merchants to cardholders.
o Financial transactions processing of posting request or reversal by online or batch that involves
transaction approval request for debiting and crediting respectively the cardholder by the issuer bank
(cardholder bank) in reply for the acquirer bank (merchant bank) sending the financial request and
completion message.
o Non-financial transactions processing to report Balance Requests, Statement and Mini Statement
Requests, Business Marketing Opt in and out.
o Create and process the disputes addressed, reversals posting, perform chargebacks and exceptions
management through the DataNavigator (acquirer) tool for the financial and non-financial
transactions.
o Compliance and Mandates design, delivery and implementation periodically by working as Business
Analyst, Designer and Advisory of Implementation by interacting with respective BA and Designer from
various networks such as MasterCard, Visa, Discover-Pulse, CO-OP etc. and other payment gateways
of PULSE, Cirrus, RGNL etc.
FLORIDA SOFTWARE SOLUTIONS (P) LTD., CHENNAI ▪ www.floridasoft.net
Software Programmer ▪ Customer Portal Solutions ▪ March 2001 – September 2002
 Customer Portal Solutions (CPS) was aimed at delivering customized web solutions Transport Management
System and Integrated Information Management System developed to automate the logistic activities and
office administration systems of GTS and SVT clients involved in logistics business.
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5. o Analyzing the requirements for a change request or work request and prepare detailed design
documents.
o Preparing the unit test plans, unit test cases and test data.
o Code the needed piece of code in modules, analyzing the output results and preparing unit test
report.
Tech Support ▪ Network and System Administration ▪ September 1999 – March 2001
 Networking and System Administration involved installation of operating systems, software, firewalls, printers and
peripherals, various required software patches and updates, maintaining hardware of various servers, desktop,
networking equipment of switches, hubs and routers.
Education
Master of Computer Applications (MCA) ▪ Bharathidasan University ▪ April 2003
GNIIT in Software Engineering ▪ NIIT Private Limited ▪ February 2001
Bachelor of Science in Mathematics (BSc) ▪ DG Vaishnav College, Madras University ▪ April 1999
Class XII and X ▪ SBOA Matriculation and Higher Secondary School ▪ March 1996 and April 1994
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6. o Analyzing the requirements for a change request or work request and prepare detailed design
documents.
o Preparing the unit test plans, unit test cases and test data.
o Code the needed piece of code in modules, analyzing the output results and preparing unit test
report.
Tech Support ▪ Network and System Administration ▪ September 1999 – March 2001
 Networking and System Administration involved installation of operating systems, software, firewalls, printers and
peripherals, various required software patches and updates, maintaining hardware of various servers, desktop,
networking equipment of switches, hubs and routers.
Education
Master of Computer Applications (MCA) ▪ Bharathidasan University ▪ April 2003
GNIIT in Software Engineering ▪ NIIT Private Limited ▪ February 2001
Bachelor of Science in Mathematics (BSc) ▪ DG Vaishnav College, Madras University ▪ April 1999
Class XII and X ▪ SBOA Matriculation and Higher Secondary School ▪ March 1996 and April 1994
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