Sakshi Arora

• Led end-to-end business analysis for commercial card programs, managing full lifecycle processes for physical and virtual cards including issuance, activation, suspension, replacement, and closure. • Gathered and documented BRD/FRD for funding channels such as ACH (US), EFT (Canada), wires, card-to-card, and cash reloads, aligning requirements with ISO 20022 standards. • Created process flows, system models, data flow diagrams, and technical specifications to support payment platform design and implementation. • Delivered enhancements for card programs operating on global networks including Visa and Mastercard. • Designed ATM and POS transaction workflows including PIN validation, real-time authorization, reversals, and declines using ISO 8583 messaging. • Analysed payment message structures and supported system readiness for ISO 20022 migration and enriched payment data. • Configured spend controls, velocity limits, MCC restrictions, and funding caps to support risk management and regulatory compliance. • Defined fee and chargeback logic including ATM, reload, FX, and interchange fees in compliance with card network rules from Visa and Mastercard. • Developed reconciliation and GL posting requirements linking prepaid ledgers, funding accounts, and settlement files. • Collaborated with QA and UAT teams to create test scenarios and validate transaction processing, settlements, and exception handling using SQL. • Supported production releases, post-deployment hyper care, and operational readiness for payment systems across US and Canada. • Acted as liaison between business stakeholders, development teams, and vendors to translate payment requirements into functional specifications and deliver system enhancements.

• Collaborated with business, compliance, treasury, and technology teams to elicit and document complex payment requirements, including high-value and cross-border payments. • Translated multifaceted business needs into clear, actionable, and testable requirements, maintaining alignment across business, IT, and external vendors. • Created and maintained BRD, FRD, user stories, acceptance criteria, and process flows for payment lifecycle (initiation, validation, routing, settlement, and reconciliation). • Worked extensively with Canada Lynx, SWIFT (MT & MX), and Fedwire messaging standards, ensuring compliance with regulatory and operational policies. • Validated test results across complex payment platforms, ensuring accuracy, completeness, and readiness before deployment; supported Shift Left testing methodologies. • Led defect analysis, root cause investigation, and resolution coordination across cross-functional teams to minimize operational risk. • Acted as liaison between multiple stakeholders including vendors, business units, and technical teams to ensure timely delivery of releases. • Managed end-to-end delivery, including SIT/UAT planning, execution, and post-go-live hyper care support. • Prepared and presented risk, compliance, and operational readiness reports to senior management. • Ensured strict adherence to regulatory obligations and industry best practices, including AML/KYC compliance, reporting, and audit requirements. • Leveraged tools like JIRA, JTMF, and Confluence to manage requirements, track progress, and document testing outcomes. • Provided support for continuous process improvements, focusing on STP rates, exception handling, and reconciliation efficiency.

• Performed data profiling in the source systems that are required for QISS System. • Created and Updated the Data Dictionary Mapping from source systems (Bloomberg, SimCorp, RIMES, BPL, AUM, PORT) to the DAL layer for Ingestion & Curation. • Working on the requirements gathering for the IDDL to Semantic layer data extracts. • Worked with internal architects and assisting in the development of current and target state enterprise data architectures. • Worked with project team representatives to ensure that logical and physical data models were developed in line with corporate standards and guidelines. • Involved in defining the source to target data mappings, business rules and data definitions. • Responsible for defining the key identifiers for each mapping/interface. • Responsible for defining the functional requirement documents for each source to target interface. • Designed and implemented data integration modules for Extract/Transform/Load (ETL) functions.

• Supported requirement gathering and documentation for ACH, check clearing, and cross-border payment operations in the U.S. and Canada. • Assisted in analyzing current and future workflows, including payments initiation, validation, exception handling, returns, and settlement. • Developed and maintained BRDs, FRDs, process maps, and user stories, ensuring alignment with business and technical teams. • Collaborated with IT and operations teams to translate business needs into technical specifications for payment systems. • Participated in SIT and UAT testing, validating ACH files, check clearing processes, and exception workflows; documented defects and tracked resolutions. • Ensured compliance with NACHA rules, Federal Reserve check regulations, Payments Canada standards, and AML/KYC requirements. • Assisted in change management and operational readiness activities, including client and staff training during rollout of new payment capabilities. • Maintained project documentation and stakeholder communications using JIRA, Confluence, and Visio.

Worked across the end‑to‑end payments ecosystem, supporting card and digital payment products, transaction processing, settlement workflows, and compliance requirements. Collaborated with business, technology, and operations teams to deliver payment solutions aligned with regulatory, operational, and customer experience needs. Gathered and analyzed business requirements for payment products including card payments, ACH, wire transfers, real‑time payments, and digital wallet integrations. Translated business needs into functional specifications, user stories, process flows, and acceptance criteria for development and QA teams. Worked closely with payment processors, card networks (Visa, Mastercard), issuing/acquiring systems, and settlement platforms to ensure accurate transaction flows. Supported end‑to‑end payment lifecycle analysis including authorization, clearing, settlement, chargebacks, reversals, and dispute management. Collaborated with cross‑functional teams—Product, Engineering, QA, Risk, Compliance, and Operations—to ensure alignment on requirements and solution design. Participated in Agile ceremonies including sprint planning, backlog refinement, and daily standups. Conducted gap analysis, impact assessments, and feasibility studies for new payment features and regulatory changes (PCI‑DSS, AML, KYC). Assisted in defect triage, root‑cause analysis, and production issue resolution related to payment processing. Supported UAT, payment file validation (ISO8583, ISO15022, NACHA), and post‑deployment verification. Worked with operations and customer service teams to understand pain points and translate them into system enhancements.

• Performed end to end QA for prepaid card programs aligned with Citi’s card lifecycle standards, including card ordering, activation, reloads, and cardholder portal testing. • Validated transaction flows such as POS purchases, ATM withdrawals, balance inquiries, cross border transactions, and MCC restrictions. • Executed API testing for card issuance, balance retrieval, transaction history, and KYC verification endpoints. • Conducted regression testing for monthly and quarterly releases, ensuring stability of prepaid card features across Citi like enterprise environments. • Queried SQL databases to validate card status, balances, and transaction accuracy. • Logged and tracked defects in JIRA/ALM, ensuring timely resolution and retesting. • Developed comprehensive test plans, test scenarios, and detailed test cases for multiple prepaid card applications. • Worked within Agile methodology, participating in sprint planning, daily standups, and retrospectives. Executed functional, regression, and integration testing across all prepaid service modules. • Reported, tracked, and managed defects using HP Quality Center 10, ensuring timely resolution. • Collaborated closely with cross functional teams including Development, Business Analysts, and client stakeholders.