- Tony Charles is a Technical Lead with over 8 years of experience in Temenos T24 banking product development. - He has expertise in areas like financial accounting, reporting, arrangement architecture, retail banking, and more. - Some of his responsibilities include leading development teams, preparing technical specifications, coding, testing, and providing client support.

1. T Tony Charles
tonycharlest@yahoo.co.in
No 212, Srinidhi, Mobile : +91 9789978330
3rd
Main, 6th
B Cross, Vijaya bank layout +91 7760848344
Bannerghatta Road,
Bangalore – 560076
Karnataka, India
OBJECTIVE
Aspiring for a challenging opportunity that enables to utilize my experience, skill to bring out creative
and innovative ideas for the development of company and myself.
SSUMMARYUMMARY
 8+ years of experience in T24 banking product in development, Temenos.
 Expertise in Financial Accounting, TDGL Accounting, Financial Reporting, Arrangement
Architecture (AA), Retail Banking, Interest & Charge, Singapore compliance ACUDBU functionality,
Integration Framework, Account Statement, Multi Company/Multi Book and Statement Entry related
core Enquiries.
 One month support to North Shore Credit Union, Canada for outage of AA internal suspense
accounts and one month implementation & support for Hypo Group Alpe Adria, Bosnia for Interest
suspension of Arrangement Account.
 Development a project in London Temenos office for 3 months under the supervision of Strategic
team.
EEXPERIENCEXPERIENCE HHIGHLIGHTSIGHLIGHTS
Organization Temenos India Pvt Ltd., Chennai
Duration From October 2007 to till date
Designation Technical Lead – Product Development
TTECHNICALECHNICAL SSKILLSKILLS
Programming Languages Infobasic
Database JBase 4.0/4.1/5.0
Globus Releases G13 – R16
Compiler TAFJ, TAFC
ACHIEVEMENTS
 Awarded GEM for Account Statement project for 4th
quarter 2009 with following citation
For working together as a team in one of the most difficult changes done in account statement
processing. The account statement processing had a lot of issues for value dated systems and about

2. 20-30 issues were found by different banks in this process. Being new to the module and this area,
Tony not only fixed the client reported issues but also contributed difficult scenarios to the test plan.
The client enhancement was released without any issues to two banks. These scenarios are now being
added to the testbase
 Awarded GEM for Statement enquiry project for 4th
quarter 2011 with following citation
Tony Charles is a person who has been with BFW team for 3+ years. He is a silent performer. Noted
amongst his achievements during this quarter are the effort he has taken to drive one of R12's major
enhancement, fine tuning of statement entry processing. He has owned up the task of improving the
performance of statement enquiry end to end with minimal assistance from the team seniors. He has
put extra efforts to work out a solution for the same. His job is commendable and hence he has been
awarded the Gem for this quarter
 Awarded Team Staff Recognition for Credit Suise project for 4th
Quarter 2015.
 TCCP Silver Certification
1. Financial Accounting
2. Accounts
3. Reporting
4. Multi Company mutli book
5. Arrangement Architecture – Core
6. Arrangement Architecture – Technical
7. Open Financial Service
8. Close of Business
9. TAFJ
AREA OF EXPERTISE
Arrangement Architecture
Financial Accounting
Financial Reporting
Interest and Charges
Core Enquiries
Close of Business
Account Statement
ACUDBU
GLOBUS/T24 Clients worked with
1. HGAA Bosnia. Arrangement Interest suspension – onsite project
2. North Shore Credit Union, Vancouver, Canada

3. Projects Details
Client HGAA, Bosnia
Project Arrangement Interest suspension
Duration 1 month
Role Developer
Release R10
Project
description
When a AA loan is in delay with repayments of due balances for a certain period of
time, all interest and charge balances should be moved off balance sheet (from non-
contingent to contingent evidence). As with the client once the AA loan reaches a rating
(which bank decides with delayed repayments) all interest and charges which is posted to
non-contingent balances types should be settled and thereafter interest and charges are
to be posted to contingent balance types
Responsibilities As a developer, involved in end-to-end design, coding, testing and implementation.
Client North Shore Credit Union, Vancouver, Canada
Project Wash account outages
Duration 1 month
Role Developer
Release R09
Project
description
Internal Suspense accounts should have a zero balance when an Arrangement is
processed. This account is referred as wash accounts which were out of balance
equivalent to CAD 27000. Analyzed and supported client to analyze the problem and
provided fix at client site.
Responsibilities As a developer, involved in analyzing, coding, and testing at client site
WORK EXPERIENCE
Company Temenos India Pvt Ltd, Chennai
Tool T24-Banking software
Duration Oct’2007 – till date
Team Accounting
Team Size 25
Role Module Lead – Product Development
Environment jbase, Unix
About Company • Temenos is a leading provider of integrated modular core banking systems. The
aim of the project is to provide customer oriented services related to Accounts
like Account opening and closure, Account Statements, Fund transfer,
generation of Accounting entries and Interest and Charges.
www.temenos.com

4. Responsibilities 1. Developer (2007 – 2011)
Understood the business involved and related it to the design of different components
of the retail banking.
• Developed low-level designs (LLD’s) to suit business requirements.
• Coded and tested different functionalities.
• Provided client support including bug fixing during User Acceptance Testing at
client site.
• Ensuring sustained support for development to all other modules.
• Involved in Production Support to the clients
2. Module Lead (2012 – 2013)
• Leading the client support team in development for Accounting module.
• Solution to technical issues to meet development schedules and delivery.
• To ensure the delivered solution meet clients’ specification and requirement.
• To do root cause analysis for the issues logged by client for better resolution.
3. Technical Lead (2014 – till date)
• Leading the Development team for all the projects in Accounting module.
• Mostly involved in developing Technical Specification from Functional
Specification.
• Holds responsibility from Technical Specification till end of testing.
PROJECT : 1
Project Financial Reporting Models through Data Framework
Role Developer
Environment TAFJ, Integration Framework
Project
description
Data Framework project where-in Financial Reporting Model will be created by loading
financial related details into Operation reporting database(read only database) through
defining IF.EXIT.POINTS and IF.INTEGRATION.FLOW.CATALOG.
Responsibilities As a developer, involved in preparing Technical Specification, contributing to test cases
and testing support
PROJECT : 2
Project FT Split Commission
Role Developer
Environment TAFJ
Project
description
Current functionality is when Commission/Charge are raised, system posts as a single
consolidated entry, one for Commission and one for Charge. This enhancement

5. provides entries to be raised separately for each commission/charge based on the
setup.
Responsibilities As a developer, involved in preparing Technical specification, contributing to test cases
and testing support.
PROJECT : 3
Project Overdue Processing for AA Retail Accounts
Role Developer
Environment TAFJ
Project
description
The requirement is to enhance the system to support the generation of notification
letters to customers where the Arrangement account goes into overdraft or
Arrangement account Limit goes excess. Overdraft status is defined in arrangement
and each status is based on number of days the account overdrawn. Each day,
overdraft days are calculated and current Overdraft status is updated. A notification is
sent to customer each time the status changes.
Responsibilities As a developer, involved in preparing Technical specification and testing support.
PROJECT : 4
Project Trade Dated General Ledger Accounting
Role Developer
Environment Jbase, Unix
Project
description
Suspense Account processing may be typically used as temporary account to book an
entry which cannot be allocated or until underlying transaction is settled or to book a
balancing entry to ensure the system is balanced.
Currently in T24, the Suspense processing is posted to an “Internal account” and is
reflected under the same reporting properties of the Internal account, and if the
suspense entry is related to an underlying account or contract, the reporting properties
of the underlying account or contract is lost.
Some banks however may want the suspense movement to have the same reporting
properties of the contract of the underlying account or contract. Client requirement is
that the Suspense movements arising from the actual settlement be reported under the
target account (customer/broker)
Responsibilities As a developer, involved in preparing Technical specification, coding and testing
support.
PROJECT : 5

6. Project ACUDBU
Role Developer. This requirment was developed in Temenos London.
Environment Jbase, Unix
Project
description
In Singapore the Monetary Authority (MAS) requires the banks to keep separate
accounting books in terms of business operations by ACU (Asian Currency Unit) and
DBU (Domestic Banking Unit). Accounting Book is used to describe a balanced set of
financial reports The MAS requires that all operations and events should be traceable
either in ACU or DBU.
Responsibilities As a developer, involved in Preparing Technical specification, coding and testing
support.
PROJECT : 6
Project Direct Accounting in Arrangement Architecture
Role Developer
Environment Jbase, Unix
Project
description
Accounting entries to Arrangement accounts is processed through an intermediate
suspense accounting entries. This resulted in voluminous entries if there were
numerous Arrangements. This project handles the elimination of these intermediate
suspense entries and makes it direct accounting entries to AA accounts
Responsibilities As a developer, involved in preparing Technical specification, coding and testing
support
PROJECT : 7
Project Removal of Internal suspense account for Arrangement account
Role Developer
Environment Jbase, Unix
Project
description
Before the enhancement, any financial transaction to Arrangement account through
external application would generate entries to internal suspense account apart from
entries to actual debit/credit accounts. This enhancement was to eliminate entries to
internal suspense account and generate entries to suspense balance type of the
respective arrangement account.
Responsibilities As a developer, involved in Preparing Technical specification, coding and testing
support
PROJECT : 8
Project Account Statement
Role Developer
Environment Jbase, Unix
Project
description
One of the modules in Accounting. This provides the functionality of generation of
account statements on the specified frequency. Client faced lot of issues on these
statements in Value dated system and Trade dated system which was then sorted out
based on various scenarios.

7. Responsibilities As a developer, involved in coding, contributing to test cases and supporting client
issues.
PROJECT : 9
Project Charges Customization
Role Developer
Environment Jbase, Unix
Project
description
Commission and Charges defined at the customer or customer group level. Customize
charge based on the customers as the charges can be defined only at the contract level
in T24. The charges that were levied on the contract can further be levied based on the
customer’s credentials.
Responsibilities As a developer, involved in coding, testing support.
PROJECT : 10
Project CRF update of Arrangement accounts
Role Developer
Environment Jbase, Unix
Project
description
In Arrangement Architecture the balance type linked to a property is the asset type
used in reporting. For accounts in AA it is therefore necessary to be able to use
different asset types to represent the account current principal based on the closing
balance of the account. The system will need to be able to change this asset type if the
account moves from debit to credit or vice versa during processing.
Responsibilities As a developer, involved in coding, testing support and implementation.
PPROJECT :ROJECT : 1111
Project Arrangement closure
Role Developer
Environment Jbase, Unix
Project
description
Account Closure, one of features of legacy Accounts is introduced in Arrangement
Architecture framework for AR accounts. On request for account holder, closure
process for AR account is initiated which makes sure that all the dues are paid. Once
the closure process is initiated, account balance is moved to account specified by
holder.
Responsibilities As a developer, involved in analyzing, coding and testing support
PPROJECT :ROJECT : 1212
Project Re-activation of closed arrangement
Role Developer
Environment Jbase, Unix
Project
description
The project is to restore the closed arrangement. The current or savings arrangement
account may be restored at any time, upon request by the account holder. From AA
framework, a mechanism is build to allow restoration of arrangement account. Account
restoration mechanism would primarily be a user triggered activity. Restoration of

8. Savings/Current account could take place when a customer request for restoration.
Responsibilities As a developer, involved in preparing Technical specification, coding and testing
support
PPROJECT :ROJECT : 1313
Project Negative Interest rates
Role Developer
Environment Jbase, Unix
Project
description
Functionality is introduced to allow for negative interest rates in Arrangement
Architecture. Generally, negative interest rates are applicable to interest properties
which are calculated on credit balances. The purpose of this enhancement is mainly to
change AA interest processing to enable negative interest rates.
Responsibilities As a developer, involved in coding and testing support
PROJECT : 14
Project Rationalizing Existing Statement Enquiries
Role Developer
Environment Jbase, Unix
Project
description
To build a new statement entry related enquiry which will be used as basis for many
other existing statement related enquiry. There are numerous existing enquiries based
on statement entry serving different purpose of client. Hence centralized enquiry was
build to support the different needs of client and reduce maintainability issues.
Responsibilities As a developer, involved in Preparing Technical specification and testing support
PROJECT : 15
Project Swiss withholding Tax
Role Developer
Environment Jbase, Unix
Project
description
Interest Statements are required to show the detail of any interest correction to
previous periods in the current period statement. The interest amount shown should
include adjustments to previous periods. The calculation of tax is required to be
calculated at the end of a capitalization on the net debit and credit interest for the
period plus the net adjustment from previous periods
Responsibilities As a developer, involved in Preparing Technical specification, coding and testing
support
PROJECT : 16

9. Project Improve Swift Statement Handoff Performance
Role Developer
Environment Jbase, Unix
Project
description
A mechanism is required to reduce the load for printing of statement outside of the
delivery system. The alternate solution is to introduce an intermediate service that will
take the output of the statement generating routine. This would pass the statement
details to a work file which will in turn be used by the service to generate the Swift
statement
Responsibilities As a developer, involved in Preparing Technical specification, coding and testing
support
EEDUCATIONALDUCATIONAL BBACKGROUNDACKGROUND
Year University Program Grade/Percentage
2007 Madurai Kamaraj University MCA 73
2004 Madurai Kamaraj University B.Sc., Mathematics 64
2001 Kendriya Vidyalaya, Madurai XII 57
1999 Kendriya Vidyalaya, Madurai X 57
PASSPORT DETAILS
Passport Number : H2432004
Date of Expiry : 22.12.2018
PERSONAL INFORMATION
Father’s Name : T G C Thinagaraj
Gender : Male
Age/D.O.B : 31, 09-07-1983
Martial Status : Single
Languages Known : English, Tamil and Hindi.
Date
Place T Tony Charles

10. Project Improve Swift Statement Handoff Performance
Role Developer
Environment Jbase, Unix
Project
description
A mechanism is required to reduce the load for printing of statement outside of the
delivery system. The alternate solution is to introduce an intermediate service that will
take the output of the statement generating routine. This would pass the statement
details to a work file which will in turn be used by the service to generate the Swift
statement
Responsibilities As a developer, involved in Preparing Technical specification, coding and testing
support
EEDUCATIONALDUCATIONAL BBACKGROUNDACKGROUND
Year University Program Grade/Percentage
2007 Madurai Kamaraj University MCA 73
2004 Madurai Kamaraj University B.Sc., Mathematics 64
2001 Kendriya Vidyalaya, Madurai XII 57
1999 Kendriya Vidyalaya, Madurai X 57
PASSPORT DETAILS
Passport Number : H2432004
Date of Expiry : 22.12.2018
PERSONAL INFORMATION
Father’s Name : T G C Thinagaraj
Gender : Male
Age/D.O.B : 31, 09-07-1983
Martial Status : Single
Languages Known : English, Tamil and Hindi.
Date
Place T Tony Charles