Sandip Gonbhare

sgonbhare@rediffmail.com, sangon2603@rediffmail.com
Mobile No. 9821149994
Home No. 022-23770481

SUMMARY
Professionally qualified with good knowledge of Core Banking, Payments, and
Treasury & Investment banking, Cards domain, Liquidity Management. 9 years
of experience in Banking and I.T. Industry - BFSI Domains. Excellent analytical
and presentation skills with high problem solving ability. Ability to work
independently and to take a task to completion. Keen to develop new skills and
improve work processes.

CLIENT EXPERIENCE:

 Major European Bank Projects

 Major North American Bank Projects

 African Bank Project

 Major Cards projects

QUALIFICATIONS

 Master in Business Administration (MBA) in Finance from National Institute of

Business Management (NIBM) in May 2008 with First Class.

 Bachelor of Commerce (B.com) from Mumbai University, Mumbai (India) April,

1999 with First Class.

 Diploma in Foreign Exchange & Risk Management from Indian Institute of Export
Management (IIEM), Bangalore, Apr 2002.

 Diploma in Taxation Law from Mumbai University in April 2001.

 GDC& A (Govt. Diploma in Co-operative Accountancy) in May 2001.

 Financial Derivatives Core Module from NCFM (National Stock Exchange

Certified Financial Management) Mumbai, Oct 2000.

 Appearing for JAIIB/CAIIB from IIB (Indian Institute of Banker), Mumbai in Dec
2008

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 Nomination:
Polaris Software Lab Limited nominated me as a CMMi FAR Eng. Group Member
(SCAMMPI).

SOFTWARE EXPERIENCE:
 FLEXCUBE - Core Banking and Payments Module
 PEGA Reach and AIRS – with e-Serve International Ltd for Citibank N.A., Dublin
(Ireland) & New York (2 & 1/2 Years Exp.)
 IntelliTRACS / IntelliMATCH - ABN AMRO BANK N.A., Netherlands (2 & ½ Year’s
Exp.)
 GPP (Global Payplus) CITIFT Project – Implemented for Citibank N.A. in the
regions e.g. North America, Europe, Japan & ASPAC.
 ICS (Integrated Clearing System) Cash Management – Citibank N.A. India & Sri
Lanka.
 Pay2k - Payment Software
 RECON plus (NOSTRO Reconciliation) – with e-Serve International Ltd for
Citibank N.A., New York
 Accounting Systems of Citibank N.A. - FI Citichecking, New York Citichecking
and Delaware Citichecking.
 Global Banking Search (GBS), US Dollar Payment Directory
 Corona (NOSTRO Reconciliations)
 Revalues (Risk Management)

DOMAIN KNOWLEDGE:
 Core Banking and Payments
 SWIFT and Telex Messages
 Liquidity Management: Funding, Pooling, Sweeping, Interest, Client Investment
 Cards domain – Travel Lodged Cards, EMV and Discover Cards Pulse Network
 Capital Market Derivatives Module
 Multi-Commodity Exchange – Derivatives Module
 Fixed Income and Money Market & Derivatives Module
 FX Processing
 FED and CHIPS Messaging System – New York Clearing House
 Clearing Systems – New York, Europe
 Correspondent Banking, NOSTRO/VOSTRO/LORO Accounts, NOSTRO
Reconciliation
 BASEL II implementation.

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 TRAINING:
 Structured Method of Software testing and SDLC (Software Development Life
Cycle (2 days program conducted by Fusion Technologies (FANDS))
 Workshop on Business and System Modeling (One day Certification program
conducted by TRUMPSYS Systems and Solution Pvt. LTD.)
 Business Analyst (One day Program conducted by Welingkar Institute, Mumbai)
 KYD (Know Your Domain) Training for Cash Management, Trade Finance,
Treasury Management and Banking Overview. (4 days Program)
 Credit Card Domain Training (2 days program conducted by Dr. Chayya)

Involved in Business Continuity Planning (BCP):

Visited Chennai on regular basis to carry out BCP planning and Development
Strategy.

TECHNICAL / FUNCTIONAL (Application) SKILLS

Skills Details
Operation System / Hardware Windows 98/2000/NT/XP
Database Oracle 10G - SQL Queries
Others FoxPro, Dbase III Plus, BASIC & COBOL Programming

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 ROJECT SUMMARY

Project# 1

Company Name: FundTech India Limited, Pune

Application: GPP (Global PayPlus Ver. 4.0) New Generation

Client: European Implementations.
Role: Sr. Business Analyst

Responsibilities:
 Responsible to understand the requirements of the client and draft into
Functional Requirement document.
 Prepare Functional Specification for the various processes of the client.
 Provide training to the development team.
 Prepared workshop presentation for the client releases.
 Handle all functional issues comes from development and client side.

Project# 2

Company Name: Accenture Services Private Limited. From Oct’08

Client Name: Standard Bank & Diners Club Cards

Project: SBSA
Role: Business Consultant

Responsibilities:
 Gathered requirement for Travel Lodged Cards Virtual and Bin Process.
 Gap analysis study for Diners Club Advantage and Global Vision (GV)
 Basel 2 requirements
 Requirement gathering for EMV and Discover Pulse network project.
 Prepared Scope of Work & Business Requirement documents.
 Prepared Functional Solutions Specification documents.
 Prepared Test Plan

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Project# 3

Company Name: Accenture Services Private Limited. From Nov’ 07 to Sept’ 08

Client Name: JPMC

Project: SKYC
Role: Business Consultant

Responsibilities:
 Responsible for Phase 1 enhancements & Phase 2 Requirement Gathering.
 Understand the Phase 1 functionality and enhancement
 Prepared Approach documents for each enhancement and get it signoff.
 Discuss the Use Cases with the onsite BA’s
 Share enhancement with the development team and help them in impact
analysis.
 Prepare Enhancement Delivery Project Plan
 Update enhancement status to client on weekly basis in BAU call.

Project# 4

Company Name: Polaris Software Lab Ltd.

Project Name: NT – Intellect Liquidity Management Solution from May, 07….

Client: Northern Trust Bank, UK

Environment:
- Oracle Platform Oracle 10g.
- Web based application (J2EE).

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Project Description:
NT is a leading custodial services corporation that has given a mandate to
Polaris to deliver a Liquidity Management System to meet its internal needs
as well as those of its customers. The application will primarily be used by
Northern Trust users out of London and in some cases out of Chicago. The
broad areas of the system are Sweeping, Notional Pooling, Client
Investment, Internal Investment, Interest Calculation and Capitalization,
and Funding.

Role:Sr. Consultant/Project Manager (Cash Management – Liquidity Management)

Responsibilities:
 Manage a team of 25 peoples. (10 are Developers included 2 Project Leader, 10
included 1 Test Leader, 1 BA and 4 Oracle Team)
 Review of the work done by the BA’s, Test Leader.
 Review Requirement Gathering from the users of Northern Trust, UK and same
capture in the Business Requirement Document (BRD).
 Review FS (Functional Specification).
 Both FS and BRD get it signoff from the client.
 Interacting with business to understand their issues and requirements.
 Prepare and Develop Test Plan.
 Discuss testing strategy with the Testing Team.
 Responsible for release.
 Interacting with various dependent teams for resolution of issues.
 Prepared MIS Reports for the management.

Project# 5

Company Name: Polaris Software Lab Ltd.

Project Name: Corporate Foreign Exchange (CFX) from Feb, 07 to April, 07.

Client: Citibank, India

Environment:
- Oracle Platform 8i to Oracle 10g.
- Web based application (J2EE).

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Project Description:
CFX is being implemented in Citibank, India for managing Corporate Forex,
FCY remittances, FRA Contracts operations across the cities.

Role: Consultant

Responsibilities:
 Prepared Use Cases and Activity Diagram. (Software: Rational Rose)
 Requirement Gathering from the users of Citibank, India and same capture in
the Business Requirement Document (BRD).
 Prepared FS (Functional Specification).
 Interacting with business to understand their issues and requirements.
 Interacting with various dependent teams for resolution of issues.
 Prepared User Manual.

Project# 6

Company Name: Polaris Software Lab Ltd.

Project Name: Pentagon Project (FLEXCUBE) Implementation. Aug’06 to Jan’ 07

Onsite at Allied Irish Bank (AIB), Dublin, Ireland

Client: Allied Irish Bank (AIB), Dublin, Ireland

Environment:
- Oracle Platform 8i to Oracle 10g.
- Web based application (J2EE).

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Project Description:
FLEXCUBE Core-banking and Payment system is being implemented in Allied
Irish Bank, Dublin (Ireland) for managing their Payments, Standing
Instructions and Funds Transfer operations across the country.

Role: Sr. Business Analyst

Responsibilities:
 Requirement Gathering for Core banking and Payment Modules from AIB
divisions servicing Great Britain (GB) and Northern Ireland (NI).
 Parameterisation of the system as per AIB Global Treasury requirements.
 Preparation of the Business Rationale and Configuration Document or Lower
Level document/design.
 Preparation of the High Level document / design for Core Banking and
Payments.
 Interacting with business to understand their issues and requirements.
 Interacting with various dependent teams for resolution of issues and
parameterization

Project# 7

Company Name: Polaris Software Lab Ltd.

Project Name: ICS (Integrated Clearing System) Since Feb’06 to July’ 06

Client: Citibank N.A., India (28 Branches)

Environment:
- Migration of Oracle Platform 8i to Oracle 10g.
- Technology upgrade from legacy platform of Forms and Pro*C to a
Web based application (J2EE).
- Data Migration.
- VSS and Orbivault

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Project Description:
ICS (Integrated Clearing System) is implemented in CITIBANK N. A, INDIA for
managing its clearing operations across the country. CITIBANK INDIA is
looking at re-engineering the application so as to consolidate into a single
database and carry out a technology upgrade of ICS and migrate from the
current platform on to a new generation advanced platform in order to
meet the changing requirements of clearing processing and also improve the
efficiency of its operations.

Role: Sr.Business Analyst

Responsibilities:
 Prepared Use Cases and Activity Diagram. (Software: Rational Rose)
 Prefer the Business Requirement Document (BRD) and prepare Functional
Specification Document.
 Preparing DFD’S (Data Flow Diagram) for Functional Specification (FS).
 Constantly in touch with business desk for application related issues and
resolved them.
 Providing analysis to development team.
 Interacting with business to understand their issues and requirements.
 Involved in Application Design and Database design.
 Preparing LLD’s (Lower Level Design) for Program Specification (PS)
 Preserve the codes thru SCM (System Configuration Management) using proper
tools e.g. VSS (Visual SourceSafe and Orbivault).
 Release the build to test the application.
 Communicate the build-released status with the development team and PM.
 Preparing Test Plan document for IUT & SIT.
 Testing application release in IUT & SIT environment and preparing Functional
and Unit test cases.
 Communicate quality status with the Project manager thru the Defect Log.
 Interacting with various dependent teams to resolve the issues.

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Project# 8

Company Name: i-flex Solutions Ltd.

Project Name: CITIFT (GPP - Global PayPlus Software) from Jul’05 to

Jan’06.

Client: Citibank N.A., North America, Europe and Japan & ASPAC

Environment:

- ORACLE 10G
- Web based application (J2EE)
- Starteam

Project Description:
GPP (Global PayPlus) supports payment-related message types that are used
by the various RTGS (Real Time Gross Settlement – such as FED) system in
different countries.
It includes: Advices and Statement Messages, Batch and Bulk Payments,
Cancellation, Queries and Answers.
Workflows of Payment Messages are:
Payment Receipt, Debit Processing, Credit Processing, Accounting, Payment
Delivery and Advices.

Role: Business Analyst

Responsibilities:
 Responsible for ASPAC (AUS-NZ) Project.
 Gap Analysis between the Beta Payment Software (Citibank N.A. Singapore) and
GPP (Global PayPlus).
 Interacting with business to understand their issues and requirements.
 Interacting with various dependent teams to resolve the issues.
 Prepare Business Use Cases.
 Prefer the Business Requirement Document (BRD) and prepare Functional
Requirement Document (FRD).
 Prefer the Interface Requirement and prepare Interface Requirement Document
(IRD).
 Documenting various types of documents like SWIFT Messaging, FED and CHIPS
Working, NOSTRO Reconciliation, FX Processing and AML (Anti-Money
Laundering).
 Intermediary between Development team and Client.

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Project# 9

Company Name: ABN AMRO Bank N.A.

Project Name: Operation International Payment System (OIPS) Feb’02 – Jun’05

Client: ABN AMRO Bank N.A. Netherlands

Environment:

- Web based application (J2EE) –

- IntelliTRACS (Payment Investigations)
- IntelliMatch (Nostro Reconciliations)

Project Description:
Handling Questions and Claims related to foreign payments and NOSTRO
Reconciliation Queries.
The type of questions and claims related to Payments could be:
Inquiry, Amendment and Errors.
Questions can come from:
Foreign or Domestic (the Netherlands Branches), Multinationals Clients like
(Unilever, Philips) and other department with in the banks.
Claim Received through SWIFT Message.
Inbound Messages: MT199, MT299, MT192, MT292, MT999 etc.
Outbound Payments: MT100, MT103, and MT202.

Role: Product Specialist

Responsibilities:
 Actively Involved in Migration and Set up of Operation International Payment
and Services (OIP&S) Project from ABN AMRO Bank N.A., Netherlands to
Mumbai.
 Participated in Proof of Concept (POC) of OIP&S for Two Months.
 Prepare Daily MIS Reports, Query Resolution and Rectification of Errors.
 Authorization of cases being investigated by investigators. (Payments and
Correspondence).
 Conduct timely performance appraisal of team-members in a timely manner
 Provide a quick Turn-around-time (TAT) at consistently good quality and low
cost.
 Escalate cases if they do not get resolved within a specified period of time. ,
Use alternative means (e.g. telephone calls) to close cases.
 Collect metrics to ensure consistent quality.
 Preparing Business Continuity Planning (BCP) Policy and Framework
Development for OIP&S Project.
 Ensure that have a backup available for themselves,
 Ensure all team-members are cross-trained.
 Mentoring fresh trainee joined in the team.

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Project# 10

Company Name: e-Serve International Ltd.

Project Name: Cross Border Payments (CBP) Oct’00 – Jan’02

Client: Citibank N.A. New York, Dublin (Ireland).

Environment:

- Web based application (PEGA Reach)

Project Description:
Handling Questions and Claims relates to foreign payments and NOSTRO
Reconciliation. Includes customers like Citibank branches, financial institutions,
corporate houses.

Role: Officer

Responsibilities:
 Handling MIS Reports and daily updating of OBI WEB.
 Amending and Back value payments according to the advice of the customer's.
 Preparing Remittance Messages.
 Preparing Outbound Payments e.g. SWIFT MT103 and 202.
 Preparing free format messages e.g. MT199, 999.
 Preparing Payment Cancellation messages e.g. MT192, 292.
 Preparing advice messages e.g. MT190, 191, 210.
 Making in FED and CHIPS payments.
 Developing an application specific framework on top of MFC to ease the
development.
 Co-ordination with the Inter bank compensation department at Buffalo U.S. for
interest related and Compensatory issue.
 Mentoring fresh trainee joined in the team.

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Project# 11

Company Name: ICICI Info-tech Ltd. (3i Infotech Ltd)

Project Name: Capital Market Dept. Aug’99 – Sep’00

Client: ICICI Bank Ltd.

Environment:
- Web based application.

Project Description:

Dematerialization of Shares and ECS (Electronic clearing Systems) facilities for the
Bank Customers.

Role: Graduate Trainee

Responsibilities:

 Handling Customer Queries.

 Demat of shares
 Process Interest and Dividend Warrants
 Update the Addresses for the queries received for the Change of Address.

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