Rituraj_Resume_5+ years_Exp_in_Credit_Card_Domain- Vision PLUS

Ritu Raj
Email: vikash19871@gmail.com Mobile: +971 052 6699247
CAREER OBJECTIVE:
Seeking challenging and innovative job role in software development/consulting.
PROFESSIONAL SUMMARY:
An adaptable and dedicated Professional with vast experience in Payment Card Industry with a proven
track record in Project Development and support with excellent Business, Functional & Technical skills
and excellent communication and interpersonal skills. Highly motivated and ambitious self-starter and
team player with a strong customer focused approach who constantly demonstrates a high level of
energy and enthusiasm to achieve stronger goals. Good experience in developing and supporting large
scale payment solutions.
PROFILE SUMMARY:
EXPERIENCE SUMMARY :
Page 1
• Having 5+ years of Experience on Vision PLUS credit card
domain using Mainframe and AS400 Technologies with a strong
emphasis on analysis, design, coding, and testing.
• 1 year experience in client facing role.
• Leading the team of 4 members as module lead.
• BFSI domain involvement of 5+ years.
• Very good knowledge of CMS/FAS/MBS/ITS parameters.
• Expertise in tool like Qlik View, CAS and Synergy, FILEAID,
Changeman, Spufi.
• Experience in Payment Solutions Design on Issuing.
• Experience in Credit Card / Pre-Paid Cards & Loyalty
• Documenting Functional and Technical solution in line with the
requirements.
• Developing, Testing and deploying the project according to the
scope.
• Developed expertise in Payment Processing, Statement
Processing, Insurance, DD, Interest, Rewards, MAD.
• Good experience in compliance, ORG and Product setup.
• Domain experience in Credit Card Processing
• Coding of new programs based on Business requirements
• Have Good working knowledge on AS400 environment
• Extensively worked in Maintenance and Enhancement projects on
Mainframes using COBOL, JCL, DB2, CICS and VSAM.
• Good knowledge in COBOL, DB2, JCL, VSAM, CICS and Mainframe
Tools.
• Good Knowledge of SDLC process.

• Currently working as a consultant in Network International Dubai, UAE.
• Worked as Senior Software Engineer for Attra InfoTech, Bangalore INDIA from 19th
May 2014 to till
date.
• Worked as Software Developer for Wipro Technologies, Hyderabad from 6th
Feb 2013 to 13th
May
2014.
• Worked as Software Developer for VIT Consultancy (P) Ltd, Hyderabad from 10th
October 2011 to
05th
Feb 2013.
SOFTWARE SKILLS :
Operating System : MVS, Z/OS, MS Window
Environment : Mainframe/AS400
Programming Language : COBOL, JCL, CL
Database : DB2
OLTP : CICS
Access Methods : VSAM
Tools : SPUFI, File-Aid, Change man, Intertest, OPC,ALDON,
: Qlik View,Synergy, CAS
Vision PLUS Module : CMS, CTA, TRAMS, Vision PLUS
Area of Exposure
• Worked as Parameter setup analyst.
• Worked in the client facing role for more than 1 year at the client location.
• An effective communicator with excellent relationship building & interpersonal skills. Strong
analytical, troubleshooting and development skills. Possess a flexible & detail oriented attitude.
Highly inclined towards the quality standards.
• Providing in-depth analysis and fixes for codes based on BU requirements.
PROJECT EXPERIENCE :
PROJECT #1 :
Project Title : ASEEL Finance ORG Launch
Client : NI – Network International DUBAI
Duration : July 2014 to Dec 2015
Team Size : 5
Role : Team member
DESCRIPTION:
Client Description:
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Network International LLC is the largest acquirer in the UAE, and a leading payment solutions provider in
the Middle East and North Africa region (MENA). The company’s service offering comprises a
comprehensive range of payment products and services for both the Issuing and Acquiring segments of
banks, financial institutions and retail merchants. This includes credit, debit and prepaid card processing,
ATM management and monitoring, merchant acquiring and processing, fraud management, ecommerce
services and mobile solutions for the payments industry.
Project Description:
Aseel Finance want to setup new bank in DUBAI under NI Vision PLUS system. Aseel Finance also want to
launch a credit card product which will be mainly target the SME(small & Middle Enterprises).
As part of this project we have done the New ORG setup in NI Vision PLUS system along with a new logo.
We are doing this project in 3 phases. Till the date we have implemented phase-1 and phase-2.
As part of phase-1 we have enable the basic functionality like parameter setup, Account boarding, PIN
Mailer Changes, Card carrier, Statement Changes, Payment Processing and Direct Debit.
As part of Phase-2 we have enable the functionality like Supplementary Card OTB Replenishment, Same
day Embossing, Online changes, Offline SMS, IPP setup.
As part of phase-3 we are working on Rewards functionality, Cash back functionality and CTA/CACS
setup. Phase-3 has been planned to implement in January 2015.
Responsibilities:
 Analyzing the requirement.
 Coding using the standard routine
 Communicating with the Client for my part of functionality
 Ensuring Walkthroughs & Inspection are carried out as per standards
 Plan for adequate quality reviews as defined in the overall process
 Preparation of implementation plan, Component list, and Pre-post implementation check list for
QA verification after implementation
PROJECT EXPERIENCE:
PROJECT #2 :
Project Title : NI Compliance 15.1
Duration : Mar-2015 to Apr-2015
Team Size : 7
Role : Team member
DESCRIPTION:
Client Description:
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Assisted in analysis, development and testing phase of the CMS,FAS,TRAMS subsytems, The project is
mainly to the technical changes that will be made to TRAMS, ITS, FAS, CMS,MBS Upgrade in order to meet
the Business Requirements .
Responsibilities:
 Involved in analysis of Schemes manuals provided by FDI
 Code review
 Code retrofit process & defect analysis
 Prepared Installation Document & Implementation check list
 Involved in coding, unit testing.
 Involved in project Implementation
PROJECT #3 :
Project Title : BBY – Instant Payment Feature
Duration : June 2014 to July 2014
Team Size : 2
Role : Team member
DESCRIPTION:
Client Description:
Currently BBY getting the payment through TIBCO which will update the payment to the bank after batch
and sometime in weekend or month end due to heavy transaction they getting delay response which
cause the customer because they are not able to use their credit limit which they already paid.
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As part o this project we have introduced one payment file which bank has to send in every one hour. As
soon as that payment file will get processed in vision PLUS system. OTB of customer will increase and
customer can use the card with increased credit limit.
Responsibilities:
 Preparation of FS and TS Docs
 Communicating with the Client
Preparation of implementation plan, Component list, and Pre-post implementation check list for
PROJECT #4 :
Project Title : MAF – Population of Cash PLAN and BT Plan in Daily Extract
Duration : May 2014 to June 2014
Team Size : 2
Role : Team member
DESCRIPTION:
Client Description:
MAF does have the record population for Cash Plan and BT(Balance Transfer) Plan in their daily extract
report. They want to get these details in daily extract.
As part o this project we have made the changes in their Vision PLUS system so that MAF will get the
details of Cash & BT Plan extract in their daily extract after implementation of this project.
Responsibilities:
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PROJECT #5 :
Project Title : DF – Change in Payment Hierarchy
Duration : Mar 2014 to May 2014
Team Size : 3
Role : Team member
DESCRIPTION:
Client Description:
Dubai First Bank want to cater the new Payment Hierarchy for the set of specific customer in their vision
PLUS system. The main objective of the bank from this project is to figure out the customers who have
not paid their outstanding from last 9 cycles. For those customers bank want to recover principle amount
first and interest and service charges later.
As part o this project we have introduced new payment hierarchy at LOGO Level and provide the feature
to the Bank to choose for the customers whatever the hierarchy they want to be followed.
Responsibilities:
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PROJECT #6 :
VIT/Wipro
Project Title : MLI–ECMS
Client : CITI BANK – CREDIT CARDS - MEXICO
Duration : April 2013 to Jan 2014
Team Size : 6
Role : Team member
DESCRIPTION:
Client Description:
Citibank, N. A. is the consumer banking arm of financial services giant Citigroup. It is one of the largest
financial services firms known to the world; Citibank has more than 200 million customer accounts and
does business in more than 150 countries. It offers deposits, loans, investment banking, brokerage,
wealth management, and other financial services.
In the early periods of credit card processing, there were no front ends to handle customer requests.
Hence a customer support officer would use the host or green screens to log customer request
information which is not user-friendly. Hence there was a need to introduce online programs which
would be functionally same as the existing online programs but it will interact through front end screens
and not host screens, Thus MLI programs came into existence.
MLI programs are online Programs without host screens and these programs are used by front end
applications to process various customer requests, Front end using MLI online are ACWS, Eclipse, ICARD,
IVR, JFP and TIBCO.
The functionality of an MLI program depends on subsystem (CMS, TRAMS MTS, MBS, EPP etc) that it
caters.
ECMS MLI’s can be placed into 3 categories
1) Inquiry MLI’s
2) Maintenance MLI’s
3) Functional MLI’s
There needs to be interface through which the requests from front ends reach MLI’s and response form
the MLI’s reach the front ends, This interface is provided by MQ setup. MLI uses the message Queue (MQ
Series) to provide communication between the front end and backend.
In this module MQ-Series plays a major role, it’s a middle ware between JAVA or TIBCO or ACWS or
ECLIPSE as front end and mainframes as backend.
The project mainly aims at providing only the complete and valid details for the request message of card
details to the customer for further processing. This data extracted and loaded into centralized database
will undergo a series of validation processes and only the qualifying data is finally loaded into database.
This data will help for Reporting and Analysis team to generate various business reports.
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Responsibilities:
 Developing/coding, testing, Reviewing changes to online programs
 Code Walk-thru of programs for defects
 Reviewing the code changes.
Environment: COBOL, JCL, DB2, VSAM, CICS and File-Aid.
PROJECT #7 :
Project Title : CITI-GCGI-DEP-GTC (Batch Support)
Client : CITI BANK – CREDIT CARDS
Duration : Feb 2012 to Mar 2013
Team Size : 14
Role : Team member
DESCRIPTION:
Client Description:
Citibank, N. A. is the consumer banking arm of financial services giant Citigroup. It is one of the largest
financial services firms known to the world; Citibank has more than 200 million customer accounts and
does business in more than 150 countries. It offers deposits, loans, investment banking, brokerage,
wealth management, and other financial services.
Defect Management and UAT Batch Monitoring for CITI G2C Deployment. As part of this project we have
supported for Batch Monitoring and Defect (tills) management for APAC Countries (Hongkong, Singapore,
China, Philippines, Thailand, Australia and Malaysia). During this if any tills are raising or if any abend is coming
during the batch hen we have to do the permanent fixes that time and later we have to fixed the issue
permanently before the next batch. After completion of the UAT we have supported same for PAT also for same
countries.
In Version 1.5 we have supported for EMEA Countries (Russia, UAE and Hungary) for UAT and PAT.
Responsibilities:
• L1/L2 Defect Management and Batch Monitoring
• Proving Temporary and Permanent Fixes for Abend
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Achievement
• Received “FEATHER IN THE CAP” award for providing the resolution and support for Citibank N.A
G2C project implementation of Australia.
• Received “SPOT AWARD” for providing the CTA analysis and end to end support.
• Nominated for “BEST CONTRIBUTOR” of quarter 1 & 2 in Attra.
EDUCATIONAL QUALIFICATION:
• B .Tech from JNNCE(Jawaharlal Nehru national College of Engineering), shimoga Karnataka in the
year 2011.
• HSC from MRRG College, Bettiah(Bihar) in 2007.
• SSC from Amna Urdu High School, Bettiah (Bihar) in March 2004.
PERSONAL PARTICULARS:
DATE OF BIRTH : 19th Nov 1988
GENDER : Male
MARITAL STATUS : Single
Languages : English, Hindi
Hobbies
: Traveling, Cooking
Address:
#25, 2nd
Floor,20th
Main 6th
Cross, BTM
1st
Stage, Bangalore,
INDIA-560068
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