Priya Pandey

Results-driven Banking & Payments Operations Professional with 7+ years of experience in Payment Operations, RTGS Settlement File Monitoring, Reconciliation, Arbitration, Dispute Resolution, and Banking Operations within reputed organizations including NPCI, Citi Bank, YES Bank, and SBI projects. Demonstrated expertise in monitoring settlement files for NFS, UPI, IMPS, AEPS, ICD, RuPay, BBPS, NETC, JCB, DFS, and related payment systems. Strong background in transaction monitoring, banking operations, chargeback handling, stakeholder management, MIS reporting, and operational process improvement.

Promoted internally based on performance and operational contributions.

Senior Associate at National Payments Corporation of India (NPCI) (2025-04 – Present)

• Expertly manage the NFS Arbitration and Dispute Resolution process, including the critical task of passing final verdicts to settle member bank disputes.
• Supporting automation initiatives, process improvements, and reconciliation efficiency enhancement projects.
• Preparing Business Requirement Documents (BRDs) based on operational and business requirements and coordinating User Acceptance Testing (UAT) with internal build teams' post-approval.
• Investigating unsettled, duplicate-settled, and failed-but-settled transactions and ensuring timely resolution.
• Handling international settlement and customer disputes for JCB, CUP, and DFS transactions.
• Processing weekly TDS accounting entries and validating settlement-related deductions.
• Processing monthly transaction declined penalty entries charged to member banks as per operational guidelines.
• Preparing monthly NFS ICD Income Sheets and monthly GSTR-1 reports for NFS and ICD Product.
• Processing manual financial adjustments, transaction correction entries, and settlement-related rectifications.
• Managing CRM tickets and resolving member bank queries within defined TAT related to reconciliation mismatches, failed transactions, onboarding, PGP tool issues, and adjustment requests.
• Performing daily JCB and UPI reconciliation activities to ensure settlement accuracy and timely issue resolution.
• Monitoring and verifying RTGS settlement files for payment products including NFS, UPI, IMPS, AEPS, ICD, RuPay, BBPS, IMT, NETC, JCB, and DFS.

Associate at National Payments Corporation of India (NPCI) (2023-06 – 2025-03)

• Expertly manage the NFS Arbitration and Dispute Resolution process, including the critical task of passing final verdicts to settle member bank disputes.
• Supporting automation initiatives, process improvements, and reconciliation efficiency enhancement projects.
• Preparing Business Requirement Documents (BRDs) based on operational and business requirements and coordinating User Acceptance Testing (UAT) with internal build teams' post-approval.
• Investigating unsettled, duplicate-settled, and failed-but-settled transactions and ensuring timely resolution.
• Handling international settlement and customer disputes for JCB, CUP, and DFS transactions.
• Processing weekly TDS accounting entries and validating settlement-related deductions.
• Processing monthly transaction declined penalty entries charged to member banks as per operational guidelines.
• Preparing monthly NFS ICD Income Sheets and monthly GSTR-1 reports for NFS and ICD Product.
• Processing manual financial adjustments, transaction correction entries, and settlement-related rectifications.
• Managing CRM tickets and resolving member bank queries within defined TAT related to reconciliation mismatches, failed transactions, onboarding, PGP tool issues, and adjustment requests.
• Performing daily JCB and UPI reconciliation activities to ensure settlement accuracy and timely issue resolution.
• Monitoring and verifying RTGS settlement files for payment products including NFS, UPI, IMPS, AEPS, ICD, RuPay, BBPS, IMT, NETC, JCB, and DFS.

Senior Analyst at Hexaware Technologies (2021-11 – 2023-01)

Client: Citi Bank

• Managed settlements and reconciliation for VISA and MasterCard Debit, Credit, and Corporate Card transactions.
• Performed accounting verification and rectification of automated financial entries.
• Handled MasterCard account reconciliation and resolved unmatched transaction entries.
• Processed refund entries, debit/credit adjustments, and pending settlement clearances.
• Managed dispute lifecycle including chargebacks, representments, and adjustment processing for VISA and MasterCard.
• Supported UAT testing, reconciliation analysis, and requirement gathering for new banking projects.

Senior Executive at AGS Transact Technologies Ltd. (2021-02 – 2021-10)

Client: YES Bank

• Handled ATM transaction reconciliation for YES Bank and associate bank transactions.
• Managed chargebacks, customer disputes, EJ log verification, and debit/credit adjustments.
• Processed switch EJ and CBR files for three-way reconciliation.
• Maintained reconciliation MIS reports and monitored operational discrepancies.
• Resolved bank queries and ensured dispute resolution within defined TAT.

Technical Associate at Financial Software & Systems Pvt. Ltd. (2018-04 – 2021-01)

• Handled SBI ATM and POS reconciliation, settlement verification, and dispute management.
• Analyzed NFS interchange settlement reports and validated reconciliation entries.
• Managed customer claims, chargebacks, shortage cases, and EJ verification processes.
• Prepared MIS reports and coordinated with internal teams and banks for issue resolution.
• Performed reconciliation of SBI POS settlements received from multiple card schemes.

M.Com – Mumbai University (2018)

B.Com – Mumbai University (2016)

HSC – Maharashtra Board (2013)

SSC – Maharashtra Board (2011)