Analyst-Banking Operations

You will be joining the Banking Operations team at FC Global Services India LLP, which is a part of First Citizens BancShares, Inc., a top 20 U.S. financial institution. Located in Bengaluru, our India-based teams carry forward the company's 125-year legacy of strength and stability. As an Analyst-Banking Operations at our center of excellence, you will play a crucial role in executing high-volume inbound and outbound ACH transactions with precision and adherence to regulatory standards. Your responsibilities will include facilitating exception handling, reconciling rejected transactions, handling credit and debit card-related transactions, and assisting with account maintenance tasks. The Banking Operations team operates with a control-focused ecosystem that emphasizes continuous process optimization and operational resilience. This is a unique opportunity for you to accelerate your career trajectory within a transformation-driven, innovation-centric environment. You will collaborate with stakeholders, engage in strategic execution, and contribute to the team's mission of delivering value and managing risks for our lines of business. Key Deliverables: - Execute and validate high-volume inbound and outbound ACH transactions with accuracy and adherence to established timelines and regulatory standards. - Facilitate exception handling by analyzing reject files, transaction patterns, and customer account data to determine appropriate resolution paths for return items. - Ensure timely reconciliation of all rejected transactions by balancing reject files against ACH return file reports, maintaining audit-ready documentation. - Handle various Debit & Credit card-related transactions, including authorizations, settlements, and chargebacks. - Assist with cardholder account maintenance, such as address changes, limit adjustments, and account closures. - Onboard new credit and debit card facilities as per procedures. - Process, verify, submit, and receive wire transfers in accordance with established Bank procedures. - Conduct routine analysis for STP improvements, repair, and processing of domestic and international electronic wire transactions with high accuracy. - Process high volumes of financial transaction research cases in response to branch requests or other financial institution escalations. - Process Audit confirmation and Verification of client account deposits. - Provide operational support across functional areas as needed, demonstrating agility in managing cross-functional responsibilities. Functional Skills: - Exceptional communication capabilities with the ability to present well-structured, independent ideas clearly and confidently. - Proficiency in both verbal and written communication ensuring clarity, professionalism, and consistency in stakeholder interactions. - Highly detail-oriented with a strong commitment to accuracy and quality in all aspects of work. - Sound judgment within established policies and procedures, effectively evaluating situations to determine appropriate and timely courses of action. - High level of process adherence, ensuring compliance with operational standards, internal controls, and regulatory requirements. - Adept at multitasking in a dynamic environment, successfully managing competing priorities and consistently meeting deadlines under pressure. - Strong risk identification and mitigation skills, proactively addressing potential issues to support operational resilience. - Effective collaboration across cross-functional teams, fostering a culture of accountability, transparency, and continuous improvement. - Strong analytical mindset, capable of interpreting data to support operational decisions and performance optimization. Education And Experience: - Degree/masters degree in Banking and Finance. - 2-4 years of experience in Banking Operations. - Experience in ACH operations including Batch file monitoring and exception handling. - Experience in Wire transfer operations and excellent skills on ISO 20022/SWIFT message types. - Experience in Credit and Debit card operations. - US banking experience is a plus. Technical/Business Skills: - MS Office Expertise. Relationships & Collaboration: - Reports to: Manager / Sr. Manager. - Partners: Stakeholders and cross-functional teams. Accessibility Needs: We are committed to providing an inclusive and accessible hiring process. If you require accommodations at any stage (e.g. application, interviews, onboarding), please let us know, and we will work with you to ensure a seamless experience. Equal Employment Opportunity.,