Recruiters: To view this profile, please Register / Login

Jobseekers: To make your profile available to Recruiters for free, opt for Premium Membership

Vishwas Acharya

Candidate ID: 1707040

Career Summary

SME cards with 25 years of international experience in managing cards issuing and acquiring business, operations and projects Successfully managed large card operations teams at various major international banks and BPO ?

Skill Set

Cards Domain, Cards Business & IT Operations Gobernance, Process & Procedures Management Project Management, Requirements & System Analysis, Application Design & Development, Compliance, Vendor Management, Team Management

Professional Information

Total Experience : 28

Nationality : Canada

Qualification Level : Management Post Graduates

Job Function : Banking / Financial Services

Work Location Preference : Kuwait, Bahrain, Oman, Saudi Arabia, Qatar, UAE

Detailed Profile

About Me
? SME cards with 23 years of international experience in managing cards issuing and acquiring business, operations and projects
? Successfully managed large card operations teams at various major international banks and BPO
? Spearheaded large and complex cards based projects such as start-up operations, portfolio migration, new product launch and compliances
? Thorough knowledge of debit, credit, prepaid card products, services and technologies
? Solid grasp and thorough understanding of card network's systems, operating rules and regulations
? Great team leader and player alike with excellent communications skills across all management levels

• Bachelors of Commerce 1988
• Diploma in Administrative Management 1990
• Canadian Securities (CSI) 2010
• Blockchain Fundamentals 2019
• HTML & JAVA Fundamentals 2019

Card Operations| Merchant acquiring | ATM transaction processing | Issuer & Acquirer Interchange settlement | Digital Wallet payments | Issuer & Acquirer Dispute management | Fraud & Risk management | Card operating rules & regulations | Projects governance | EMVCO specifications | BIN/ICA licensing & certifications | SDLC Waterfall and Agile project methodologies

Key Accomplishments
• Visa VCR Dispute migration
• Start-up operations Visa co-brand card issuing program
• USD$ MasterCard acceptance at POS & e-Com
• VISA Debit & USD Visa Card issuance programs
• Visa Mag to Chip & Pin conversion

Professional History
Principal Consultant, Cards @ MaxSys for Scotia bank Aug 2013 – Sep 2019
• Spearhead project meetings to meet business requirements delivering quality clinical products
• Review, analyze, challenge and demand requirement clarifications from various multi-disciplinary teams
• Leverage SME cards industry knowledge and experience to formulate and define business scope, objectives and impacts through best practice research and guidelines
• Develop processes to resolve moderate to complex business issues by working with IT/BA support as necessary including analysis and documentation of business and user needs which support project system requirements
• Review cards operating regulatory rules that affect contact centre operations and directs the creation of functional process flow documents
• Participate in JAD technical solution meetings to review gaps, risks and system interdependencies and recommend best optimal technical approach to the business issue
• Facilitate the integration of operational and business standards into work process, system changes in support of achieving organizational goals
• Provide technical and system leadership to support project execution, process optimization, and systems maintenance of cards based payments systems and applications
• Resolve day- to- day operation technical issues. improve client experience and minimize exposure through timely responses and resolutions to service requests

Key projects delivered:
Visa Debit issuance program | Migration to Visa VCR Dispute Management | US$ Visa issuing | Scotia GM co-brand Visa issuance program | Visa Debit VAU launch | Customer Interaction and Offers | KYC Voice Bio authentication

Senior Consultant, Cards @ iGate for RBC Royal Bank Apr 2011 – Aug 2013
• Managed merchant acquiring projects, software solutions and compliance for Moneris
• Reviewed and analyzed BRD and Change Requests (CR) and spearheaded requirements clarifications sessions
• Conducted thorough synthesis and analysis of technical requirements outlined in Visa, MasterCard & Diners network compliance specifications manual
• Converted business requirements into functional specifications and design
• Authored SDLC project artifacts such as project charter, proof of concept, software design, requirements v/s solution matrix and implementation check list
• Performed integration and certification of acquiring channels such as POS, e-com, digital wallet acceptance for Visa, MasterCard & Discover cards
• Co-ordinated with external vendors and Visa/MasterCard/Discover network teams throughout the project life cycle

Key cards acquiring projects delivered:
? Merchant acquirer compliance & mandates
? US$ MasterCard acceptance at POS & e-Com transactions
? Discover cards merchant acquiring

Card Operations Manager @ Ahli Bank of Kuwait Oct 2009 – Jan 2011
• Oversaw teams engaged in day-to-day back office cards issuing and ATM acquiring operations and procedures.
• Supervised cards new issuance, replacement and renewal operations such as card embossing, Perso, mailers, pin management and dispatch in accordance with VISA regulations and bank operations risk management policies.
• Managed teams engaged in card accounting operations like VISA Interchange File processing and Settlement, branch ATM balancing, Cardholder Billing & Payments, General Ledger Posting, etc
• Re-engineered cards operations teams and inter team processes to eliminate gaps and operational delays and losses
• Conducted spot checks on vendor payment systems and practices to ensure compliance
• Closely worked with product owners to conceptualize, design, develop new card products and value added services and integrating them into existing back-office operations and procedures

Head, Cards Systems & Operations @ ElectraCard Services Jan 2008 – Oct 2009
• Managed large cross-functional teams delivering quality cards Issuing/Acquiring business processes and cards operations services to major domestic and international clients
• Delivered quality and timely delivery of services whilst meeting contractual SLAs and TATs
• Successfully reduced per card operational maintenance costs by up to 15% through strategic initiatives such as Dbase management, re-engineering cross-functional/teams workflows, automation & training & development
• Minimized operation revenue leakages by up to 10% by plugging operational gaps, faulty processes, enhanced team co-ordination and by revamping internal audit policies and procedures
• Teamed up with product owners in analyzing, evaluating and documenting RFPs and SOWs

Business Analyst, Cards @ Scotia bank Jun 2006 – Jan 2008
• Reviewed and analysed VISA technical specifications and incorporated them into business requirement document.
• Effectively led requirement sessions with business sponsors, impacted technical and development teams, UAT and end business users to highlight the upcoming system changes and ensuring compliance with VISA requirements.
• Closely worked with the back office settlement and reconciliation team ensuring that VISA mandated changes be incorporated into the business.
• Efficiently documented system changes, job aids and procedures and hosted them onto the SharePoint portal repository

Previous Employment History
• Asst. Manager , Card Operations @ Ahli Bank of Qatar, Doha Apr 2005 – Feb 2006
• Sr.Clerk Card Ops & Accounting @ National Bank of Kuwait Mar 1999 - Mar 2005
• Sr.Clerk Card Ops & Accounting @ Gulf Bank, Kuwait Jun 1995 – Mar 1999

References available upon request