Archana J

Senior Process Executive with 4+ years of progressive experience in the US Mortgage industry, specializing in delinquent property tax research, payment processing, future payoff procurement, and escrow account management. Proven ability to procure residential delinquent property tax payments through agency websites, coordinating check requests via FedEx and USPS Priority Mail, and maintaining agency-specific Standard Operating Procedures (SOPs) to ensure compliance and consistency. Proficient in MSP, OWF, and Citrix applications with expertise in manual tax calculations and accurate disbursement of delinquent taxes in client systems.

Demonstrates strong analytical skills in tax research, exemption verification, and discrepancy resolution. Committed to quality assurance, regulatory compliance, and driving operational efficiency in fast-paced mortgage servicing environments.

Senior Process Executive at Cognizant Technology Solutions (2022-08 – Present)

Senior Process Executive specializing in US Mortgage delinquent property tax research, payment processing, and escrow account management.

• Researched and processed residential delinquent property tax payments; accurately updated homeowners' escrow accounts and disbursed delinquent taxes in the client MSP system following full research, validation, and approval workflows.
• Procured future property tax payoffs through official agency websites, identifying and retrieving payoff amounts; maintained agency-specific SOPs to standardize the process across multiple jurisdictions.
• Coordinated check requests via FedEx and USPS Priority Mail to procure tax information and fulfill payment obligations with county and municipal tax agencies.
• Performed manual tax calculations per agency-specific SOPs to verify and validate payoff and payment amounts prior to disbursement in client systems.
• Utilized Netro Online portal and EPFO claim systems to retrieve, verify, and update property tax and related benefit data as required by process guidelines.
• Updated and maintained property tax information on OWF (Online Work Flow) platform per agency website updates, ensuring data accuracy and audit compliance.
• Verified and calculated homestead and non-homestead property tax exemptions in accordance with applicable state, county, and municipal regulations.
• Procured property tax information through tax authority websites, email correspondence, and direct telephone contact with tax agencies; resolved discrepancies through proactive consultation with tax offices.
• Conducted comprehensive tax research to support compliance planning and reporting requirements; assisted in quality review of processed accounts.
• Maintained strong technical knowledge of US property tax laws, regulations, assessment procedures, and exemption criteria across multiple states.

MBA in HR & Finance – Mysore University (2024)

B.Com in Commerce – Mangalore University (2017 – 2020)

Certification in Data Analytics – Eduprajna Institute, Bangalore (2021 – 2022)