FC Global Services India LLP (First Citizens India), a part of First Citizens BancShares, Inc., a top 20 U.S. financial institution, is a global capability center (GCC) based in Bengaluru. Our India-based teams benefit from the company’s over 125-year legacy of strength and stability. First Citizens India is responsible for delivering value and managing risks for our lines of business. We are particularly proud of our strong, relationship-driven culture and our long-term approach, which are deeply ingrained in our talented workforce. This is evident across all key areas of our operations, including Technology, Enterprise Operations, Finance, Cybersecurity, Risk Management, and Credit Administration. We are seeking talented individuals to join us in our mission of providing solutions fit for our clients’ greatest ambitions.
Value Preposition
- Frontline Role in High-Value, Time-Critical Investigations- This position places analysts at the operational epicenter of cross-border and domestic wire inquiries, offering deep exposure to regulatory scrutiny, transactional risk, and client-impact scenarios—fortifying one’s command over complex exception handling.
- Growth through Analytical Rigor and Interdepartmental Connectivity- The role hones investigative precision within a high-stakes environment, while fostering collaboration across compliance, operations, and client service verticals—making it a launchpad for professionals seeking trajectory within strategic financial operations.
Job Details
- Position Title: Analyst
- Career Level: P1
- Job Category: Associate
- Role Type: Hybrid
- Job Location: Bangalore
About The Team
The Wire Investigations team operates as a critical control function within the bank’s payments ecosystem, entrusted with resolving high-value transactional inquiries across global corridors. Comprising skilled professionals with deep domain expertise, the team upholds precision, responsiveness, and regulatory adherence. It serves as a nexus between client experience, operational integrity, and financial risk mitigation. Continuous collaboration with internal stakeholders and correspondent banks ensures timely resolution of complex exceptions. The team’s mandate reflects both operational excellence and a commitment to safeguarding institutional trust.
Impact
Responsible for providing operational support for Wire Investigations in the execution of daily activities with focus on returns and non-complex USD amendment cases. Facilitates processes and workflows while ensuring compliance with all applicable regulations and policies. Maintain records and/or systems crucial for business operations. Answers inquiries and resolves issues, updating department records or systems accordingly, in alignment with service standards and business goals. Your work directly influences client trust operational risk posture and institutional reputation. This is a role for those who thrive in precision-driven environments and seek visibility within the bank’s critical financial infrastructure.
Key Deliverables
- Transaction Accuracy & Financial Integrity: Execute wire-related research and exception handling with high accuracy, ensuring correct processing of credit adjustments, returns, and investigations across a high volume of time-sensitive financial transactions.
- Analytical Case Handling: Promptly investigate inquiries and wire-related cases received through internal systems and channels ensuring resolution within agreed timelines and according to internal escalation protocols.
- Workflow Prioritization & SLA Management: Effectively manage competing priorities in a dynamic queue-based environment, consistently meeting service-level agreements (SLAs) across multiple bank partners and internal stakeholders.
- Issue Escalation & Risk Awareness: Identify anomalies or high-risk transactions and escalate complex scenarios to the systems or risk teams, ensuring proper documentation, audit readiness, and mitigation of potential downstream impacts.
- Process Optimization & Innovation: Actively participate in continuous improvement initiatives by identifying inefficiencies, proposing automation or workflow enhancements, and supporting change implementation across team-level or departmental projects.
- Compliance & Regulatory Adherence: Maintain full compliance with institutional policies and all applicable federal, state, and regulatory training requirements, including the FCB Regulatory Training Program and governance protocols related to wire transfers.
- Stakeholder Communication: Collaborate with internal teams such as Operations, Compliance, Technology, and Client Services to ensure end-to-end resolution of investigation requests, while maintaining transparency and professionalism in all communication.
- Knowledge Documentation & Process Discipline: Adhere to standard operating procedures (SOPs) and contribute to the creation or refinement of knowledge articles and process documentation to ensure consistency, auditability, and training support.
- Quality Assurance Support: Assist in error resolution and post-case reviews to identify process gaps, contribute to root cause analysis, and support overall quality control efforts led by team leads or risk managers.
- Operational Resilience & Shift Flexibility: Demonstrate flexibility in work hours, including availability for night shifts and holiday coverage, in support of 24x7 wire operations and business continuity requirements.
Functional Skills
Skills and Qualification
- Analytical Acumen & Structured Thinking: Demonstrates exceptional analytical capabilities and methodical problem-solving skills, with the ability to dissect complex financial data and identify transactional discrepancies within wire investigations. Exhibits precision under time constraints, ensuring consistent resolution accuracy across high-volume queues.
- Operational Discipline & Multitasking Proficiency: Possesses the capacity to concurrently manage multiple operational workflows with diligence and urgency. Exhibits strong organizational foresight, enabling seamless prioritization and execution of concurrent investigative cases while adhering to defined service-level benchmarks.
- Decisiveness Under Pressure & Risk Sensitivity: Maintains the judgment and composure to make rapid, risk-conscious decisions in time-critical, high-stakes environments. Proactively identifies anomalies or escalations that may pose regulatory, reputational, or financial risks, and routes them to appropriate escalation channels with clarity and precision.
- Collaborative Execution & Stakeholder Alignment: Exemplifies the interpersonal maturity to collaborate fluidly with cross-functional teams including compliance, operations, and client services. Demonstrates accountability in team-based deliverables while managing independent ownership of assigned duties and escalates challenges constructively when warranted.
- Communication & Professional Demeanor: Possesses refined verbal and written communication skills necessary to articulate investigative outcomes, escalate complex cases, and maintain transparent dialogue with both internal partners and external institutions. Conveys information with clarity, conciseness, and professional nuance.
- Autonomy & Accountability: Demonstrates the ability to operate with minimal supervision while meeting delivery commitments with precision and timeliness. Displays a high level of ownership over tasks and shows proactive initiative in identifying process inefficiencies and recommending enhancements.
- Adaptability & Resilience in Operational Environments: Thrives in fast-paced, ambiguity-prone environments where shifting priorities are the norm. Maintains performance consistency during peak volumes, system issues, or procedural changes, contributing to the team’s operational stability.
- Domain Proficiency in Banking & Payments: Brings foundational knowledge of core banking principles and payment systems, with a preferred understanding of wire operations, cash management, funds transfers, and treasury processes. Familiarity with SWIFT messaging standards, Fedwire protocols, and reconciliation frameworks is advantageous.
Technical/Business Skills
The ideal candidate will bring a hybrid skillset encompassing both technical aptitude and business-critical competencies, enabling precise execution within a high-risk, time-sensitive financial operations environment.
- Data Accuracy & Transactional Precision: Demonstrates strong data entry proficiency with an unwavering commitment to accuracy, consistency, and completeness—essential for managing high-value wire inquiries with minimal tolerance for error.
- Communication & Client Sensitivity: Possesses clear and professional verbal and written communication skills, with the ability to engage tactfully with internal stakeholders, correspondent banks, and, where applicable, client-facing teams. Maintains a high level of discretion and service orientation when handling sensitive financial matters.
Technical Application Proficiency: Working knowledge or familiarity with relevant banking platforms and investigation tools, including but not limited to:- APN, RMS, GFX, GT Exchange, Swift Alliance – for message tracing, reconciliation, and settlement inquiries.
- Online Banking Signature, Hogan, and Flexcube – for transaction lookups, account verification, and case resolution.
- Ability to adapt quickly to proprietary platforms and legacy systems with minimal ramp-up time.
- Microsoft Office Expertise: Proficient in Microsoft Excel and Word, with the ability to create structured reports, perform reconciliations, and document investigative outcomes clearly and professionally. Excel proficiency should include filtering, sorting, VLOOKUPs, and pivot tables for operational analytics.
- Business Process Discipline: Well-organized, detail-oriented, and structured in approach. Capable of navigating complex processes while adhering to procedural integrity, audit readiness, and compliance standards.
- Problem Solving & Independent Judgment: Able to analyze transactional anomalies, detect root causes, and recommend appropriate resolutions. Applies sound judgment when operating independently and knows when to escalate cases based on defined risk parameters.
- Shift Flexibility & Operational Commitment: This role requires a high degree of flexibility to work in night shifts or rotational shifts, aligned to business needs across global time zones. Candidates must demonstrate reliability, adaptability, and a willingness to support critical cutoffs and exception handling windows as required.
- Degree/master’s degree in Banking and Finance
- 3-5 yrs. of Wire payment Investigations Experience
- Excellent skills handling SWIFT MT and MX message types
- Good understanding the Payment Life cycle
- US banking experience is preferred
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
FC Global Services India LLP (First Citizens India) is an Equal Employment Opportunity Employer. We are committed to fostering an inclusive and accessible environment and prohibit all forms of discrimination on the basis of gender, religion, caste, disability, sexual orientation, economic status or any other characteristics protected by the law. We strive to foster a safe and respectful environment in which all individuals are treated with respect and dignity. Our EEO policy ensures fairness throughout the employee life cycle.
