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 exposure to US payment systems – Join a team that plays a critical role in managing critical business operations for one of the largest US banks which includes payment Operations, Card Operations and Depository Account services.
- High-Impact, Collaborative Role – Contribute to critical operations while partnering with cross functions teams like tech to enhance process efficiency and payment security.
Job Details
Position Title: Analyst-Banking OperationsCareer Level: P1Job Category: AssociateRole Type: HybridJob Location: BangaloreShift Timing:5:30 pm to 2:30am IST
About The Team
The Banking operations team represents a rapidly scaling center of excellence, spearheading mission critical, high throughput processing with precision and regulatory rigor. We operate with synergistic, control focused ecosystem that champions continuous process optimization and operational resilience. Team members engage in high stakes stakeholder alignment and strategic execution, this is a unique opportunity to accelerate your career trajectory within a transformation driven innovation centric.
Impact
In this role, the candidate will play a pivotal part in ensuring seamless execution of ACH and Wire transfers, Check exception processing, Debit and Credit card processing within a highly regulated, time sensitive environment. They will directly contribute to minimizing operational risk and enhancing end to end process integrity. By leveraging analytical acumen and domain expertise they will support compliance and audit readiness. Their insights will inform process improvements and drivee operational scalability. Ultimately this role will be instrumental in strengthening the banks deposit and payments infrastructure and client’s trust.
Key Deliverables
- Execute and validate high-volume inbound and outbound ACH transactions with accuracy and adherence to established timelines and regulatory standards.
- Manage critical functions including Proof of Authorization requests, dispute resolution, ACH onboarding, and Positive Pay (ACH Positive Pay) processing.
- 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.
- Handling various Debit& Credit card-related transactions, including authorizations, settlements, and chargebacks.
- Assisting with cardholder account maintenance, such as address changes, limit adjustments, and account closures.
- Onboard new credit and debit card facilities as per the procedures
- Assisting with cardholder account maintenance, such as address changes, limit adjustments, and account closures
- Processes, verifies, submits, and receives wire transfers in accordance with established Bank procedures.
- Accurately process outgoing and incoming USD and FX wire transfers via SWIFT, Fedwire, and internal systems.
- Conducting 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 (i.e. research various types of check processing errors) in response to branch request or other financial institution escalations and from reports while applying the appropriate rules, regulations and procedures to ensure consistency and accuracy
- Process Audit confirmation and Verification of client account deposits
- Provide operational support across functional areas as needed, demonstrating agility in managing cross-functional responsibilities.
Skills and Qualification
(Functional and Technical Skills)
Functional Skills
- Demonstrates exceptional communication capabilities with ability to present well structured, independent ideas clearly and confidently across all levels of the organization.
- Proficient in both verbal and written communication ensuring clarity, professionalism and consistency in stakeholder interactions.
- Highly detail oriented exhibiting a strong commitment to accuracy and quality in all aspects of work.
- Exercises sound judgment within established policies and procedures, effectively evaluating situations to determine appropriate and timely courses of action.
- Maintains a 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.
- Demonstrates strong risk identification and mitigation skills, proactively addressing potential issues to support operational resilience.
- Collaborate effectively across cross functional teams, fostering a culture of accountability, transparency and continuous improvement.
- Poses a strong analytical mindset, capable of interpreting data and tends to support operational decisions and performance optimization.
Education And Experience
- Degree/master’s degree in Banking and Finance
- 2-4 years’ 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
- Experience in Check Processing and Check positive Pay
- US banking experience is a plus.
Technical/Business Skills
Relationships & Collaboration
Reports to: Manager / Sr. Manager
Partners: Stake holders 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.
