ARADIP BARMAN, Manager – Projects, Cognizant, Cards and Payments

Experience (in months): 213 Months

Contact number: +91 9748465795 , +91 7003675304
Email: [Link]@[Link]
Role Aspiration: Techno-functional Analysis/Business Analysis/delivery manage an account
Languages spoken: English, Bengali, Hindi

Aradip is a highly accomplished Techno functional analyst in Cards and Payments domain with a verifiable record in Digital
Transformation, Functional & Business Architecture and Innovative solutions. With around 18 years of Industry
experience, he is skilful in solving complex problems through in-depth evaluation of strategy, processes, systems, industry
and regulations. He can lead a project from strategy to execution. He is efficient in driving communication between
multiple stakeholders with compelling business case and cost analysis. He exhibits sound and comprehensive
communication skills to exchange complex information and handles conflicts efficiently. Aradip has spent approximately 6
years of his professional career working at onsite predominantly in United States with smaller stints in UK and Spain. He
has strong presentation skills and experience of working with multi-cultural, multivendor and multi-geography-stakeholders.

MARQUEE ASSIGNMENTS:
 Bank digitalization (Onsite and Offshore)
A new state of the art digital bank is planned to be rolled out across the globe. The bank has aim to open its digital
banking operations in countries across Europe, US and Latin American countries, that can accept any kind of
transaction e.g. ATM, POS, Debit, Credit, Prepaid, Virtual Card, Wallet transaction, EMI transaction, Core Banking
Transaction, Money Transfers, Cross currency and so on. As their digital strategy partner, the inside-out analysis of all
the card products to identify the gaps has been done. The financial and non-financial processes by integrating real-time
(API based) and batch interfaces of a Card Management system with Core banking system have been designed. The
operations include card registration, control, embossing, authorization, transaction processing and posting, statement,
alert and notification, installment etc. Fraud and Dispute management for Spain and Argentina operations complying
with geographical restriction and specifications and functionalities providing foreign ATM withdrawal benefits to
customers have been designed single handedly. Presentation on migration strategy from old legacy system to new
platform has been prepared and represented in front of the client based on which development is being done. Main
activities include:
 User Story and Interface specification Document creation for each gap and functionality identified.
 Presentation on designs and solution strategy
 Walk through with core development team and resolve practical questions with techno functional expertise
 Working with vendor for card management system tool to lay out requirements for customization and
modification
 Client and other Vendor coordination
 Test Data analysis
 Scenarios & Requirements clarifications to development and testing team

 Acquiring platform migration (Onsite)

Worked as a Techno functional analyst with client for migrating entire acquirer processing system from legacy to a new
acquiring platform for domestic and international merchants for a third party processor in UK by customizing the
BAU processing to accommodate new set of migrating merchant profiles, thus ensuring merchants get paid through
their usual channels like BACS, FP, SEPA etc. from the new platform. Activities included:
 Migration activity planner creation for migration waves depending of merchant profile volumes.
  Suggesting changes to technical team to customize the daily settlement cycles for better performance
 Analyzing the merchant profile data after migration during triage and provide necessary correction.
 Fit migration activities seamlessly with the existing daily clearing, billing and charging process of merchants
 Proposing new solution to the architecture of acquiring platform in order to incorporate different features of
merchants’ clearing and billing process, like FX, chargebacks, reporting.

 Payment Back End Platform (Onsite and Offshore)

Worked as a Business Analyst with a leading US acquirer processor on functionalities like Clearing & Settlement,
Merchant, Billing & Funding, Dispute Management and Reconciliation. Managed a team of 50 resources and delivered
projects as business SME and mainframe developer in Core settlement processing segment, that accepts credit card
payment transactions from merchants and merchant banks in batch, edits the information and exchanges with
networks like Visa, MasterCard, Amex and Discover primarily and in turn accepts the incoming settlement information
from those networks. Primarily gained expertise on outgoing interchange, authorization, incoming settlement and
balancing in clearing cycle. Also program managed the entire reconciliation project which includes pre-edit to
reformatted outgoing, outgoing to incoming, data capture to funding. Key projects delivered:
 Association releases for schemes like MasterCard, Visa, and Discover – Every year schemes roll out new
rules and code logics to be implemented in acquirer processor code base in order to synchronize the qualification
of the transactions optimally for the card users. As an SME gone through the requirements and changes proposed
by schemes and narrated the requirements in technical fashions so that developers can pick them up to code, test
and implement.
 Migration to Visa’s new Dispute system VCR (Visa Claims Resolution) to help Visa improve dispute resolution
efficiency.
 Migration of a group of merchants from passthrough to Full service platform of Disover – As strategic
partner helped acquirer processor to on-board merchants for Discover full service where merchants can accept
Discover cards at their outlets and settle the transactions with processor for optimal fees. Previously these
merchants used the acquirer processor to pass the transactions to Discover and settle them directly to minimize the
fees involved.
 On-boarding of bank sponsored merchants into acquirer processor platform – reconciliation of transaction
volumes
 Expedited funding of high profile merchants – increase the number of funding cycles for high profile
merchants in order to settle account multiple times in a day to accommodate high transactional volumes by syncing
the data capture and funding cycles and balancing them to perfection.
 Amex Optblue Pricing Model - OptBlue is a payment processing option that allows smaller businesses to
accept American Express credit cards — without paying higher merchant fees. Those who sign up for this
program can automatically “bundle” American Express along with the other major card brands that they already
accept
 POS Certification Testing – Leading US Acquirer processor launched new POS machine following EMVCos
specification at hardware and software level. It offers POS/mPOS terminals to existing and on boarding
merchants to cater to their need of transaction processing maintaining security. As consulting partner, proposed
cases for testing entire gamut of transaction types (Swipe, contact, contactless, EMV etc.) for different card types
including Credit, debit, prepaid and cobranded. Also was involved in verification of PCI compliance for captured
transaction details, testing with expired card or incorrect PIN and POS closing match.

Activities included:
 Requirement analysis & prioritization.
 Preparing Use Case details
  Preparing Mapping documents
 Analyzing and providing solutions for client's business processes by identifying requirements and analyzing current
processes for improvement.
 Documenting new business procedures and assisting with documentation of issue resolution & Change requests
raised by business for enhancement of portal
 Updating functional specification documents based on requirements going out of/coming into scope.
 Estimation and creating the design documents for the developments.
 Dealing with clients and users directly, attending calls, getting the requirements, suggesting solutions to issues,
communicating with offshore for quite a few number of projects.

 Retail Order Management System / Automobile part order management system (offshore)
Worked as a mainframe developer for different Mainframe applications on COBOL, CICS, DB2, JCL
MANAGEMENT SKILLS:
 Successfully managed complex projects with global implementation, and rapidly evolving requirements.
 Effective communication skills and coordination between globally located teams.
 Project delivery under stringent timelines and high pressure.
 People management both offshore and onshore.
 Define Business Process; identify the risk, doing risk analysis and providing baseline acceptance criteria and
deliverables.
 Adept in providing Analytical Support to key business Applications /solutions
 Acted as liaison between management and development team for Requirements and QA.
 Managing reports, analysis and decision-making for a change request.
 Have created Quarterly Business Review and Monthly Business review metrics for client managers at different
levels of hierarchy
 Project Management, Project Schedule, Project Tracking and Team Management
 Have exposure in creating business proposal for client and SOW
TECHNICAL SKILLS:
 Languages - COBOL, JCL, CICS; Databases –DB2, IMS.
 Operating systems – OS/390, Windows.
 Mainframe Tools - File-Aid, Panvalet, Expeditor, Endevor, QMS, SPUFI, DB2 Catalog tool, ISPF, Sort
BANKING PRODUCTS:
 Vision Plus
 T24
PROFESSIONAL ENGAGEMENTS:

Organization Last Designation Year of Association

Cognizant Technology Solutions Pvt. Ltd. Product Analyst/Manager – Projects 2007 – till date
IBM Global Services Pvt. Ltd. Senior System Engineer 2005 – 2007
Infosys Software Engineer 2003 – 2005
EDUCATION:

Degree College/University Year of Passing

B. E. (Production Engg.) Jadavpur University, Kolkata 2003
XII West Bengal Council for Higher Secondary Education 1999
X West Bengal Board of Secondary Education 1997

CORE COMPETENCIES:
 Project / Delivery management
 Functional Architecture & Solution Design
 Business Analysis

SPECIALITIES:
 Merchant Acquiring and issuing
 Core Clearing and Settlement Processing
 Funding and Billing system
 Scheme Spec

CERTIFICATION:
 Cognizant Certification in Cards &Payments domain (L0 and L1).
 Certified Agile Scrum Master
 External certification on Supply Chain Management

TRAINING:
 Resource planning and Estimation
 Mainframe
 Intuit Learning on Cards and Payments