Keerthana

Dynamic Senior Consultant with over 8 years of experience leading complex Business Analysis, Payment Transformation, and AI Quality Assurance projects for global financial institutions. Proven expertise in ISO 20022 migration, SWIFT messaging protocols, cross-border payment ecosystems, and GenAI model validation/training using enterprise platform tools. Skilled in bridging the gap between business operations, legacy gateway transformations, and modern AI implementations.

• Jira
• Microsoft Office Suite
• Root Cause Analysis
• SQL

1. SENIOR CONSULTANT

   Virtusa

   Jan 2026 to Present

   Project Summary: Spearheaded functional business analysis for modernizing enterprise cross-border payment platforms while driving quality evaluation and prompt optimization for generative AI workflows. • CLIENT: Wiley Payments • Project: Enterprise Payment Transformation & GenAI Quality Platform • Led end-to-end requirements gathering, stakeholder workshops, and functional specifications (BRD/FRD) for payment modernization. • Coordinated cross-functional Agile sprint cycles, user story mapping, and UAT sign-offs. • Validated, annotated, and evaluated multilingual LLM model outputs on the Aether AI Platform. • Designed structured prompting frameworks (Chain-of-Thought, Contextual Prompting) to enhance enterprise AI output accuracy. • Message Formats & Standards: MX pacs.008, pacs.009, camt, ISO 20022 XML, SWIFT MT Standards

2. SENIOR BUSINESS ANALYST

   Tata Consultancy Services (TCS)

   Mar 2024 to Dec 2025

   Project Summary: Executed message migration and enrichment logic projects, facilitating smooth transitions from legacy message formats to modern messaging hub facades for international banking ecosystems. • CLIENT: Nordea Bank • Project: WTX to AMH (Alliance Messaging Hub) Migration & ISO Enrichment • Analyzed core payment flows, mapping legacy formats to target ISO 20022 data representations. • Defined transformation rules, facade integration logic, and message enrichment rules. • Collaborated with technical teams and business testers to validate end-to-end payment messaging scenarios. • Message Formats & Standards: ISO 20022 (MX), SWIFT MT (MT103, MT202), XML, Proprietary Bank Formats

3. BUSINESS ANALYST

   Deutsche Bank

   Aug 2022 to Mar 2024

   Project Summary: Managed payment routing, legacy MT message processing, and requirements specification for international trade finance and high-value payment workflows. • CLIENT: Internal (Global Transaction Banking) • Project: Global Payment & SWIFT Gateway Optimization • Authored PDDs, BRDs, and detailed Use Cases for global cross-border payments, RTGS, and instant payments. • Conducted root-cause analysis and gap analysis across payment flows within FIS Clear2Pay and PEGA systems. • Executed user acceptance testing (UAT) for complex MT/MX SWIFT message scenarios. • Message Formats & Standards: ISO 20022, MT103, MT202, MT202COV, MT3XX (Treasury), MT5XX (Securities), MT7XX (Trade Finance), MT9XX (Cash Management)

4. SWIFT PAYMENT SPECIALIST

   HCL Technologies Ltd

   Nov 2020 to Aug 2022

   Project Summary: Delivered technical and operational business support for SWIFT Gateway message processing, SEPA/ CHAPS clearing, and RTGS credit transfers. • CLIENT: Deutsche Bank • Project: SWIFT Clearing & Gateway Operations • Managed FIS Clear2Pay configuration support and SWIFT MT/MX transaction flows. • Handled issue resolution for MTNA, CN, DP, CP, and high-value credit transfers. • Message Formats & Standards: MT103, MT202, MT202COV, MT3XX, MT5XX, MT7XX, MT9XX, SEPA, CHAPS

5. ANALYST

   Deutsche Bank

   Jul 2020 to Nov 2020

   Project Summary: Executed transaction processing and verification across SEPA, CHAPS, Instant Payments, and international payment flows. • CLIENT: Internal • Project: Payment Processing & Settlement Operations • Performed operational validation and routing checks for incoming and outgoing SWIFT instructions. • Investigated and resolved processing exceptions on high-value clearing systems. • Message Formats & Standards: MT103, MT202, MT202COV, MT3XX, MT5XX, MT7XX, MT9XX

6. SENIOR PROCESS EXECUTIVE

   Infosys

   Jun 2018 to Jul 2020

   Project Summary: Managed end-to-end payment investigations, exception handling, and query resolution for international wire transfers. • CLIENT: National Australia Bank (NAB) • Project: Cross-Border Payment Investigations • Investigated stalled, rejected, or misrouted international transactions using internal banking platforms. • Interfaced with intermediary banks to trace funds, correct payment details, and settle disputes. • Message Formats & Standards: SWIFT MT Messaging (MT199, MT299, MT900/910, MT940/950)

1. Kalasalingam University

   Master of Computer Applications (MCA), Computer Applications

   Certificate Awaited

2. Periyar University

   Bachelor of Commerce (B.Com), Commerce

   2018

• Generative AI Mastermind & Gen AI Consultant

• The SWIFT Payment Business Analyst

• ECBA Preparation Course (Entry Certificate in Business Analysis)