Karan Budhiraja

Detail-oriented Analyst with 2.7 years of experience in UK Pension & Retirement Operations, specializing in Pre & Post retirement policy administration, pension fund transfers, ISA & GIA processing, financial due diligence, and compliance aligned with FCA regulations. Skilled in SQL, Advanced Excel, data validation, and reporting automation to improve operational efficiency and accuracy. Consistently maintained 98%+ processing accuracy while enhancing reporting workflows and supporting internal and external audit readiness.

Process Analyst - UK Pension & Retirement Operations (Transfers Out) at Wipro (2025-06 – Present)

Manage end-to-end Pre-Retirement and Post-Retirement pension operations with focus on financial due diligence and regulatory compliance.

• Manage end-to-end Pre-Retirement and Post-Retirement pension operations, including Defined Benefit (DB) transfers, ISA/GIA investment accounts, and retirement benefit settlements.
• Perform financial due diligence, compliance validation, and risk assessment for pension fund transfers, annuity payouts, and investment transactions in alignment with FCA and UK regulatory frameworks.
• Conduct peer reviews of complex pre- and post-retirement, ISA/GIA, and transfer cases, resolving operational and regulatory queries through cross-team coordination while ensuring accuracy and compliance adherence.
• Maintain 98%+ SLA adherence and processing accuracy across retirement, transfer, and investment cases.

Process Associate - UK Pension & Retirement Operations (Transfers Out) at Wipro (2023-08 – 2025-06)

Processed retirement policies, annuities, and investment accounts with high accuracy and quality assurance responsibilities.

• Processed retirement policies, annuities, and ISA/GIA investment accounts with 98%+ accuracy while meeting SLA timelines.
• Executed end-to-end pension and investment fund transfers between schemes (e.g., Aviva to NAB) under the Transfers Out process, ensuring regulatory compliance and accurate fund settlements.
• Accredited as a Quality Checker, responsible for reviewing and validating complex ISA/GIA and pension transfer cases to ensure data accuracy and compliance adherence.
• Performed Client Due Diligence (CDD), AML verification, and risk assessment checks on high-value retirement and investment accounts.

Master of Arts in Economics – Maharshi Dayanand University, Rohtak (2021-10 – 2023-07)

BA Honours in Economics – Pt.

Neki Ram Sharma

College, Rohtak (2018-08 – 2021-09)

Standard XII in Commerce – J A Saraswati Vidya Peeth High School, Rohtak (2017-04 – 2018-05)

Standard X in General – Indian Public Sports School, Rohtak (2015-04 – 2016-05)