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Daisy Bhattacharjya

@daisybhattacharjya

I modernize enterprise payment platforms through ISO 20022, SWIFT CBPR+, business analysis, and delivery support.

I've delivered payment modernization and digital transformation work for BNY Mellon, BDO Bank, HSBC, and DXC Technologies, translating complex payment requirements into functional specifications, user stories, and release-ready solutions.

My work spans ISO 20022 and SWIFT CBPR+ migration, payment lifecycle analysis, message mapping, Payment Hub enhancements, SIT/UAT, defect triage, and production readiness across cross-border and high-value payments.

Experience

Work history, roles, and key accomplishments

Current

Senior Consultant

Current

Cognizant

Mar 2022 - Present (4 years 6 months)

Delivered business analysis for enterprise payment modernization programs for clients like BNY Mellon and BDO Bank. Gathered and translated complex payment business requirements into FRDs, FSDs and Agile user stories, enabling successful implementation of payment modernization initiatives.

ISO 20022 SWIFT MT MX Messaging CBPR+Payment Lifecycle Management Payment Hub Finastra GPP FRD FSD Agile User Stories Gap Analysis SIT UAT Defect Triage Production Readiness Azure DevOps Jira Confluence

Associate Consultant

Infosys

Dec 2020 - Mar 2022 (1 year 3 months)

Supported HSBC's global payments transformation program by supporting SWIFT CBPR+ adoption and ISO20022 investigation messages. Performed functional analysis and ISO20022 message mapping for PACS.004, PACS.009, CAMT.056 and CAMT.029.

ISO 20022 SWIFT CBPR+Message Maps Pacs.004 PACS.009 Camt.056 CAMT.029 Functional Analysis SIT UAT Production Readiness

Business Analyst

HCL Technologies

Jun 2018 - Dec 2020 (2 years 6 months)

Supported digital transformation of high-value payment processing by analyzing TARGET2 workflows and ISO20022 payment messages. Prepared FRDs and analyzed TARGET2 payment processing workflows.

TARGET2 ISO 20022 PACS.008 PACS.009 Pacs.004 Camt.056 FRD Functional Analysis Testing

Testing Analyst

L&T Infotech

Aug 2013 - Apr 2016 (2 years 8 months)

Contributed to enterprise insurance application modernization by improving software quality, reducing production defects and supporting successful application releases through functional and integration testing. Led a four-member testing team and coordinated defect management through STLC.

Functional Testing Integration Testing Defect Management STLC Team Leadership