At Citibank India, I managed payment lifecycle operations across RTGS, NEFT, IMPS, UPI, and counter transactions for retail and HNI clients. I applied risk controls and RBI guidelines across these operations and prepared MIS reports and variance analysis for senior management.
In the Fund Transfer Unit, I processed outward remittances under RBI's LRS and SWIFT-based cross-border transfers in line with RBI and FEMA requirements. I identified operational gaps and implemented improvements that reduced processing errors by approximately 20%.
Across branch payment operations, I maintained audit-ready documentation, and the branch cleared internal and external audits with no major observations across 17 years. I also conducted AML/KYC checks, CDD, and EDD, and mentored junior colleagues on controls and procedure changes.
