SENTHIL KUMAR NOV 2019

SENTHIL KUMAR. M
Mobile No: +91-9884438484
E-Mail – msenthilcs@gmail.com

SUMMARY
 Expertise in Banking Operations, Technology Operations, End to End Production Support, Back
Office Production and Customer Relationship.
 Handful of experience in Transition Process of the end-to-end production support setup from
one organization to another without customer/client impact.

CURRENT EMPLOYMENT
Employer Client Period
BVK Global Solution NCB Sep 2017 – Till Date

Unit : Production Support

Domain : Prepaid cards, Debit cards and Credit cards
Team Size : 20 members
Environment : ORACLE & UNIX

Functional role :

 Sound knowledge of VISA/MASTERCARD interchange (Base-I & Base-II) processing/

reconciliation, Issuer & Acquirer functions, Dispute & Fraud management.
 Expertise in basic message flow & routing, transaction flow for Dual Message System & Single
Message System (SMS).
 Management of Functional Responsibilities such as Chargeback Management, Integrity Checks,
Batch/EOD Management, Billing Management, Balance Sheet Management, Handling queries,
Trouble shootings and providing first level analysis.
 Highlight the issue and impact in an existing process style to the Leadership team of the business
 Suggest solutions and design the automated tool for the process model or alternate system
solutions.
 Extended the responsibility for production support by coordinating with vendor team to provide
direction for process refinement as a Subject Matter Expertise.
 Identify process flaws and pain areas in the processes at the task level
 Highlight the issue and impact in an existing process style to the Leadership team of the business
 Suggest solutions and design the automated tool for the process model or alternate system
solutions.

Responsibilities:
 Preparing SQL queries for pulling data from the database to provide various reports to Bank
which are requests like Transaction count, Declined Transaction, Settlement Details, Account
Statements, Chargeback/Copy request log files and Card Status of a particular card
 Analyzing the declined transactions and report to concerned team.
 Raising chargeback requests with interchange on behalf of bank and posting the credit to the
card account on receipt of the chargeback amount.
 Raising copy requests to interchange on behalf of bank.
 Raising TC10 [fee collection] / TC40 [fraud reporting] to interchange on behalf of bank based on
the requests received from them
 Processing BASE2 (EOD) file for various currencies (USD, EUR, JPY, AUD, SGD, INR, AED, CHF etc)
by downloading the files from Visa & Master system

Resume of Senthil Kumar

 SENTHIL KUMAR NOV 2019

 Preparing various MIS, Outstanding reports, and Balance sheets on daily basis which are
reported to Bank through a secured transmission
 Tracking the chargeback and copy requests and following up for customer credits

Card Associations Knowledge Visa, MasterCard

Cards Knowledge Credit, Debit & Prepaid
Issuing, Acquiring, Authorization Routing, Settlement &
Business
Reconciliation and Dispute Management
Channels POS (EDC), ATM & ECOM
Visa Edit Package, MasterCard Simulator, Visa Base II, MasterCard
Operational Hardware & Software
IPM

EMPLOYMENT
Employer Client Period
Quatrro DCB Apr 2016 - Sep 2017

Quatrro offers complete suite of processing solutions for Prepaid Cards, Debit Cards, Credit Cards,
Business Cards, ATM, POS and E-com solutions worldwide.

Unit : Production Support

Domain : Prepaid cards, Debit cards and Credit cards
Team Size : 20 members
Environment : ORACLE & UNIX

Functional role :

 Deft in monitoring the transactions, daily activity process handled by Business Operations team
to ensure each process meets the SLA.
 Sound knowledge of VISA/MASTERCARD interchange (Base-I & Base-II) processing/
reconciliation, Issuer & Acquirer functions, Dispute & Fraud management.
 Expertise in basic message flow & routing, transaction flow for Dual Message System & Single
Message System (SMS).
 Management of Functional Responsibilities such as Chargeback Management, Integrity Checks,
Batch/EOD Management, Billing Management, Balance Sheet Management, Handling queries,
Trouble shootings and providing first level analysis.
 In-depth knowledge in Financial Ledger accounts postings associated with each transaction type
across the prepaid card products.
 Extended the responsibility for production support by coordinating with vendor team to provide
direction for process refinement as a Subject Matter Expertise.
 Identify process flaws and pain areas in the processes at the task level
 Highlight the issue and impact in an existing process style to the Leadership team of the business
 Suggest solutions and design the automated tool for the process model or alternate system
solutions.

Responsibilities:
 Handling a team of 8 members performing the above process
 Preparing SQL queries for pulling data from the database to provide various reports to Bank
which are requests like Transaction count, Declined Transaction,Settlement Details, Account
Statements, Chargeback/Copy request log files and Card Status of a particular card
 Analyzing the declined transactions and report to concerned team.

Resume of Senthil Kumar

 SENTHIL KUMAR NOV 2019

 Raising chargeback requests with interchange on behalf of bank and posting the credit to the
card account on receipt of the chargeback amount.
 Raising copy requests to interchange on behalf of bank.
 Raising TC10 [fee collection] / TC40 [fraud reporting] to interchange on behalf of bank based on
the requests received from them
 Processing BASE2 (EOD) file for various currencies (USD, EUR, JPY, AUD, SGD, INR, AED, CHF etc)
by downloading the files from centralized VPS system
 Reconciliation of BASE2 & BASE1 files on a daily basis and reporting the mismatch cases to Bank.
 Merchant Credits, Reversal, Credit/Debit to customers performed on a daily basis based on
Bank’s request.
 Preparing various MIS, Outstanding reports, and Balance sheets on daily basis which are
reported to Bank through a secured transmission
 Tracking the chargeback and copy requests and following up for customer credits

Card Associations Knowledge Visa, MasterCard

Cards Knowledge Credit, Debit & Prepaid
Issuing, Acquiring, Authorization Routing, Settlement &
Business
Reconciliation and Dispute Management
Channels POS (EDC), ATM & ECOM
Visa Edit Package, MasterCard Simulator, Visa Base II, MasterCard
Operational Hardware & Software
IPM

EMPLOYMENT
Employer Client Period
HCL Technologies Ltd Wirecard May 2013 - Apr 2016

Unit : Production Support

Domain : Prepaid cards, Debit cards and Credit cards
Team Size : 20 members
Environment : ORACLE & UNIX

Functional role :

 Hands on experience in Chargeback.

 In-depth knowledge in Financial Ledger accounts postings associated with each transaction type
across the prepaid card products.
 Extended the responsibility for production support by coordinating with vendor team to provide
direction for process refinement as a Subject Matter Expertise.
 Identify process flaws and pain areas in the processes at the task level
 Deft in monitoring the daily activity process handled by Business Operations team to ensure
each process meets the SLA.
 Sound knowledge of VISA/MASTERCARD interchange (Base-I & Base-II) processing/
reconciliation, Issuer & Acquirer functions, Dispute & Fraud management.
 Expertise in basic message flow & routing, transaction flow for Dual Message System & Single
Message System (SMS).
 Management of Functional Responsibilities such as Chargeback Management, Integrity Checks,
Batch/EOD Management, Billing Management, Balance Sheet Management, Handling queries,
Trouble shootings and providing first level analysis.
 Highlight the issue and impact in an existing process style to the Leadership team of the business
 Suggest solutions and design the automated tool for the process model or alternate system
solutions.

Resume of Senthil Kumar

 SENTHIL KUMAR NOV 2019

Responsibilities:
 Handling a team of 12 members performing the above process
 Raising chargeback requests with interchange on behalf of bank and posting the credit to the
card account on receipt of the chargeback amount.
 Raising copy requests to interchange on behalf of bank.
 Raising TC10 [fee collection] / TC40 [fraud reporting] to interchange on behalf of bank based on
the requests received from them
 Processing BASE2 (EOD) file for various currencies (USD, EUR, JPY, AUD, SGD, INR, AED, CHF etc)
by downloading the files from centralized VPS system
 Reconciliation of BASE2 & BASE1 files on a daily basis and reporting the mismatch cases to Bank.
 Merchant Credits, Reversal, Credit/Debit to customers performed on a daily basis based on
Bank’s request.
 Preparing various MIS, Outstanding reports, and Balance sheets on daily basis which are
reported to Bank through a secured transmission
 Tracking the chargeback and copy requests and following up for customer credits
 Preparing SQL queries for pulling data from the database to provide various reports to Bank
which are requests like Settlement Details, Account Statements, Chargeback/Copy request log
files and Card Status of a particular card

Card Associations Knowledge Visa, MasterCard

Cards Knowledge Credit, Debit & Prepaid
Issuing, Acquiring, Authorization Routing, Settlement &
Business
Reconciliation and Dispute Management
Channels POS (EDC), ATM & ECOM
Visa Edit Package, MasterCard Simulator, Visa Base II, MasterCard
Operational Hardware & Software
IPM

EMPLOYMENT
Employer Client Period
Yalamanchili Software Exports Visa Inc Jan 2008 - May 2013

Visa Processing Service has a Joint Venture with Yalamanchili Software Exports Ltd. It offers complete
suit of processing solutions for Prepaid Cards, Debit Cards, Credit Cards, Business Cards, ATM, POS and E-
com solutions.

Unit : Production Support

Domain : Prepaid cards, Debit cards and Credit cards
Team Size : 8+
Environment :ORACLE & UNIX.
Functional role :
 YSE developed a tool in the name of NARADA CONNECT which acts as an interpreter between
Cards Interchanges (VISA/MASTER) and the HDFC Bank.
 All transactions performed through the card are routed via NARADA CONNECT.
 These transactions are maintained by YSE in their system in the name of BASE1.
 VPS (Visa Processing System) will upload all transactions from their end on daily basis.
 The files are said to be EOD files, these files are downloaded on daily basis and are uploaded in
YSE system (BASE2).

Resume of Senthil Kumar

 SENTHIL KUMAR NOV 2019

 Everyday a report will be generated in the name of Outstanding which will contain records for
which there is no matching BASE1 entry or no matching BASE2 entry.
 The Outstanding files are sent to bank on daily basis for their review, based on their confirmation
these outstanding are settled in YSE system.
 Reconciliation, Merchant Credits, Reversal, Credits/Debits to customers are activities performed
on a daily basis based on Bank’s request.
 Chargeback and Copy requests are raised with interchange based on Bank’s requests; these are
tracked and credited to customers on receipt of the funds.

Responsibilities:
 Handling a team of 8 members performing the above process
 Processing BASE2 (EOD) file for various currencies by downloading the files from centralized VPS
system
 Reconciliation of BASE2 & BASE1 files on a daily basis and reporting the mismatch cases to Bank.
 Merchant Credits, Reversal, Credit/Debit to customers performed on a daily basis based on
Bank’s request.
 Raising chargeback requests with interchange on behalf of bank and posting the credit to the
card account on receipt of the chargeback amount.
 Raising copy requests to interchange on behalf of bank.
 Raising TC10 [fee collection] / TC40 [fraud reporting] to interchange on behalf of bank based on
the requests received from them.
 Preparing various MIS, Outstanding reports, and Balance sheets on daily basis which are
reported to Bank through a secured transmission
 Tracking the chargeback and copy requests and following up for customer credits
 Preparing SQL queries for pulling data from the database to provide various reports to Bank
which are requests like Settlement Details, Account Statements, Chargeback/Copy request log
files and Card Status of a particular card

Card Associations Knowledge Visa, MasterCard

Cards Knowledge Credit, Debit & Prepaid
Issuing, Acquiring, Authorization Routing, Settlement &
Business
Reconciliation, Dispute Management
Channels POS (EDC), ATM & ECOM
Visa Edit Package, MasterCard Simulator, Visa Base II, MasterCard
Operational Hardware & Software
IPM

TECHNICAL COMPETENCIES
Operating systems Windows
Applications MS Office - Word, Excel, PowerPoint & Access
Programming Packages ORACLE & PLSQL
Others UNIX

EDUCATIONAL QUALIFICATION

Resume of Senthil Kumar

 SENTHIL KUMAR NOV 2019

M.B.A (Systems) Alagappa university, karaikiudi

B.E (Computer Science) Tagore Engineering College, Chennai

Place : Chennai Signature

Date : (Senthil Kumar M)

Resume of Senthil Kumar