• Assume a decisive role within a highly specialized wire investigations function, where expert judgment, regulatory acuity, and transaction analysis converge to resolve complex, high‑value payment exceptions across global corridors.
• Operate at the nexus of client protection, regulatory compliance, and institutional risk mitigation, directly influencing financial integrity through the expert handling of wire returns, amendments, and recalls.

• Position Title: Senior Analyst - Deposit & Payment Operations
• Career Level: P2
• Job Category: Senior Associate
• Role Type: Hybrid
• Job Location: Bangalore

About the Team:

The Wire Investigations team functions as a critical line of operational defense within the bank’s high‑value payments ecosystem. The team is entrusted with resolving complex post‑execution wire events, including payment returns, message amendments, and recall requests, while maintaining rigorous compliance with global clearing systems, correspondent banking protocols, and regulatory mandates. Through disciplined investigative practices and precise execution, the team safeguards client funds, minimizes financial exposure, and preserves institutional credibility.

Impact

This role plays a significant part in preserving the integrity of the bank’s wire payment infrastructure. As a Senior Analyst, you will independently manage complex, aging, and high‑risk investigations, exercising sound judgment in scenarios marked by ambiguity, regulatory scrutiny, and financial exposure. Your decisions will directly affect loss outcomes, client confidence, and the bank’s standing with regulators and correspondent institutions, thereby reinforcing the resilience and credibility of global payment operations.

Key Deliverables

Wire Investigations & Resolution:

• Lead end‑to‑end investigations of domestic and international wire returns, amendments, and recall requests, ensuring resolution is achieved with accuracy, timeliness, and regulatory compliance.
• Conduct comprehensive root‑cause analysis to determine fault points across initiation, formatting, routing, sanctions screening, and settlement stages.
• Independently adjudicate liability positions, recovery feasibility, and financial exposure in accordance with internal policies and market practices.

Amendments & Message Management:

• Analyze and execute complex wire amendments involving beneficiary details, routing instructions, value dates, and narrative corrections across SWIFT, Fedwire, and internal platforms.
• Interpret and apply ISO 20022 and legacy message standards to ensure amendments are accurately structured and accepted by downstream counterparties.

Recalls & Returns Handling

• Manage recall requests resulting from client error, potential fraud, compliance concerns, or operational defects, employing tactful negotiation with correspondent banks to maximize fund recovery.
• Resolve wire returns originating from rejections, sanctions hits, invalid instructions, or closed accounts, ensuring appropriate financial and accounting adjustments.

Risk, Compliance & Controls

• Ensure strict adherence to AML, sanctions, and regulatory requirements throughout the investigation lifecycle, escalating suspicious or high‑risk activity in alignment with governance frameworks.
• Identify control gaps, recurring failure patterns, and systemic vulnerabilities, recommending preventive measures to reduce repeat incidents.

Stakeholder Engagement & Escalation

• Serve as a point of escalation for junior analysts, providing subject‑matter guidance on complex cases and edge scenarios.
• Liaise extensively with internal partners including Compliance, Risk, Technology, Finance, Client Service, and external correspondent banks to drive resolution.
• Communicate investigation outcomes with clarity, precision, and professional authority to senior stakeholders.

Reporting, Documentation & Audit Support

• Maintain comprehensive, audit‑ready case documentation evidencing investigative rigor, decision rationale, and regulatory compliance.
• Contribute to operational risk reporting, aging analysis, loss metrics, and thematic reviews for management and internal auditors.

Process Excellence & Continuous Improvement

• Actively contribute to process optimization, automation initiatives, and procedural enhancements aimed at reducing investigation volumes and resolution timelines.
• Participate in User Acceptance Testing (UAT), system migrations, and ISO 20022 adoption efforts, representing investigations requirements and risk considerations.

Skills and Qualification

Functional Skills:

• Advanced proficiency in wire investigations, with demonstrated experience handling returns, amendments, and recalls across domestic and cross‑border payment systems.
• Strong working knowledge of SWIFT, Fedwire, correspondent banking models, and payment lifecycle dependencies.
• Deep understanding of ISO 20022 and legacy MT messaging standards, including investigative implications of structured data.
• Robust grasp of AML, sanctions, and regulatory controls as they pertain to post‑payment exception management.
• Highly developed written and verbal communication skills, enabling clear articulation of complex investigative findings and risk positions.
• Demonstrated confidence in engaging senior stakeholders and external banking counterparts with professionalism and authority.

Technical/Business Skills:

• Minimum of 4-6 yrs work experience in wire investigations.
• Exceptional investigative acumen with the ability to synthesize data across systems, messages, and ledgers to arrive at defensible conclusions.
• Hands-on experience with ISO 20022 message structures and workflows, including the ability to interpret structured formats and support the operational migration from legacy payment standards to the enriched ISO framework.
• Strong reconciliation and financial analysis skills, supported by advanced Excel proficiency.
• Proven ability to exercise sound judgment under pressure and manage competing priorities in time‑critical environments.
• Willingness to work in night shifts to support global operations and ensure uninterrupted processing across U.S. time zones.
• Demonstrated ability to manage multiple time-sensitive priorities with precision, composure, and efficiency in deadline-driven, high-volume environments.
• Bachelor’s degree in finance, Accounting, Business Administration, or a related discipline is required; relevant certifications in payments, compliance, or risk will be considered an advantage

Relationships & Collaboration

• Reports to: Manager / Sr. Manager
• Partners: Stakeholders and cross functional teams

Accessibility Needs

We are committed to providing an inclusive and accessible hiring process. If you require accommodations at any stage (e.g. application, interviews, onboarding) please let us know, and we will work with you to ensure a seamless experience.