Samruddhi Surve

Detail-oriented Banking and operations professional with experience in payments and clearing and Credit Bureau Dispute Resolution at Tata consultancy services. Skilled in transaction validation, dispute validation, dispute investigation, delinquency analysis, and regulatory documentation. Strong analytical abilities with focus on accuracy, compliance, and meeting service level agreements.

Senior Associate – Payments & Clearing & Credit Bureau Dispute Utility at Tata Consultancy Services (TCS) (2022-05 – 2025-12)

Payments and Banking Operations & Credit Bureau Dispute Utility

• Processed and validated domestic and international payment transactions in accordance with banking policies and procedures.
• Performed transaction reviews by verifying customer details, account status, currency, and payment instructions.
• Investigated transaction exceptions, discrepancies, and payment rejections to ensure timely resolution.
• Monitored daily transaction queues and maintained adherence to SLA/TAT requirements.
• Conducted compliance and screening checks using banking systems and LexisNexis tools.
• Handled customer and stakeholder queries related to payment processing and transaction status.
• Maintained accurate records, audit trails, and operational documentation.
• Prepared daily, weekly, and monthly MIS and operational performance reports.
• Posted accounting entries and performed GL account validation activities.
• Collaborated with internal teams to ensure smooth processing of high-volume banking transactions.
• Resolve direct and indirect Customer disputes related to credit reporting.
• Coordinated with credit Bureaus including Equifax, Experian, Transunion.
• Verify customer documentation and validate financial information.
• Analyze payments histories and transaction record to resolve customer dispute.
• Supported fraud related investigation and credit Bureau reporting process.
• Performed quality checks to ensure accuracy of processed cases.
• Maintain compliance with regulatory and operational requirements.
• Handle reporting production tracking, and operational support activities

Bachelor of Commerce (B.Com) in Accounting & Finance – Manjunath College of Commerce, University of Mumbai (2021-05)

Higher Secondary Certificate (HSC) in Commerce – Maharashtra State Board (2018-02)

Secondary School Certificate (SSC) – Maharashtra State Board (2016-03)