Neha Chandrakar

Payments implementation professional with 3+ years at JPMorgan Chase (via Tata Consultancy Services), specialising in H2H onboarding, cross-border payment implementations, SWIFT/ISO 20022 XML migrations, and corporate banking integrations. Successfully delivered zero-incident production cutovers for 1,000+ global corporate clients across SEPA, Fedwire/CHIPS, BACS, USACH, and APAC clearing rails. Recognised as a primary technical escalation contact with a strong track record of resolving production issues within SLA.

Currently targeting Technical Implementation, Payments Product, and Business Analyst roles where deep payments domain expertise and client-facing delivery experience add immediate value.

System Engineer - Tata Consultancy Services (TCS) - Bengaluru, India

(2022-08)

Technical Implementation Analyst - J.P. Morgan Chase (CIB)

(2023-04)

Project 1: H2H Migration

• Owned end-to-end H2H onboarding for 1,000+ global corporate clients — from scoping and channel configuration through CAT/Parallel Production Testing to production cutover — consistently delivering zero-incident go-lives.
• Drove large-scale migration of legacy payment formats (GFF, IDoc, MT101) to ISO 20022 XML across clearing rails (SEPA, Fedwire/CHIPS, BACS, China, USACH, APAC), ensuring full regulatory compliance in each geography.
• Configured Connect:Direct (NDM) nodes and scripted NDM workflows enabling secure, high-volume file transfers between client mainframes and JPMC payment gateways — achieving near-zero file loss across all managed clients.
• Engineered Splitter Routing logic and managed TPA entries for complex multi-entity corporate clients, ensuring accurate payment file distribution across internal banking systems spanning SEPA, US, and APAC rails simultaneously.
• Served as primary technical escalation contact during Hypercare windows — monitored live payment flows, diagnosed routing anomalies, and resolved file transfer failures within SLA, maintaining ~100% payment uptime for client portfolios.
• Standardised payment and collection profiles to meet regional regulatory requirements for SEPA, USDHV, and APAC, supporting compliance-critical implementations for multinational corporations.

ETL Developer (Ab Initio) - J.P. Morgan Chase (CIB)

(2022-11 - 2023-04)

Project 2: API Data Migration

• Built and deployed ETL workflows in Ab Initio for API-driven data migration, applying SQL and UNIX scripting to ensure accurate transformation and QA validation of input files.
• Validated Control-M job chains, dependencies, and rerun strategies; automated build and deployment processes, reducing manual effort and improving system stability.
• Leveraged Control Center and Streamdiff for version management and data validation across migration cycles.

Bachelor of Engineering - Computer Science & Engineering - Shri Shankaracharya Group of Institutions (2018 - 2022)