Summary
Overview
Work History
Education
Skills
Languages
CERTIFICATES & TECHNICAL SKILLS
Accomplishments
Timeline
Generic
Swapna Rajesh

Swapna Rajesh

Dubai,United Arab Emirates

Summary

Accomplished professional with expertise in Scheme Reconciliation & Merchant Settlement, Financial & Regulatory Reporting, and Payment Gateway Operations across EPOST, E-Commerce, and POS platforms. Demonstrates strong capabilities in Cross-functional Collaboration and Internal & External Audit Support, ensuring seamless MIS Reporting & Data Analysis. Proficient in Budgeting & Forecasting and Operational Risk Management, with a focus on Regulatory Compliance and Records Management. Adept at leading teams to achieve organisational goals while managing risk effectively. Career aspirations include advancing strategic leadership roles within the financial sector.

Overview

13
13
years of professional experience

Work History

Financial Operations Specialist

Geidea Payment LLC
Dubai
12.2023 - 05.2025
  • Manage end-to-end merchant settlement processes, ensuring accurate and timely transaction settlements.
  • Conduct scheme settlement reconciliations for Visa, MasterCard, UPI, Mercury, and JCB.
  • Investigate and resolve discrepancies in reconciliation reports across multiple payment channels.
  • Coordinate with internal teams to optimize process flows and address system or operational issues impacting merchant payouts.
  • Participate in system enhancements and user acceptance testing (UAT) for payment and settlement modules.
  • Prepare and present detailed MIS reports to senior management for strategic review.
  • Compile trial balances and collaborate with the finance team for accurate reporting.
  • Process merchant refund requests and ensure timely resolution.
  • Review and verify Visa and MasterCard invoices prior to submission to the relevant departments.
  • Lead and support UAT and new projects related to settlement and reconciliation processes.

Senior Merchant Settlement Officer

First Abu Dhabi Bank (FAB)
Abu Dhabi
01.2013 - 11.2023
  • Managed financial settlement operations for a network of 60,000+ merchants, ensuring accuracy and SLA compliance.
  • Handled and resolved escalated merchant queries related to POS issues, delayed payments, and e-commerce settlements.
  • Reconciled daily transaction reports and prepared EOD financial vouchers with detailed documentation for audit trails.
  • Coordinated with internal stakeholders to transition MIDs from test to live environments and facilitate system migrations.
  • Prepared and submitted comprehensive daily, weekly, and monthly reconciliation reports to senior management.
  • Supported internal and external audits, addressing operational findings and implementing corrective measures.
  • Participated in system enhancement projects, including requirements gathering, testing, and post-implementation review.

Finance Executive

Service Co-operative Bank
Kerala
01.2012 - 01.2013
  • Conducted financial performance analysis, supporting senior management with profitability metrics and trend reporting.
  • Managed pricing strategies, account reconciliation, ledger maintenance, and billing operations.
  • Developed and monitored budgets, monthly forecasts, and capital expenditure tracking reports.

Education

Master of Commerce (M.Com) -

Calicut University

Bachelor of Commerce (B.Com) - undefined

Calicut University

Skills

  • Scheme Reconciliation & Merchant Settlement
  • Financial & Regulatory Reporting
  • Payment Gateway Operations (EPOST, E-Commerce, POS)
  • Cross-functional Collaboration
  • Internal & External Audit Support
  • MIS Reporting & Data Analysis
  • Budgeting & Forecasting
  • Operational Risk Management
  • Records Management
  • Risk Management
  • Regulatory Compliance
  • Team Leadership

Languages

English
Hindi
Konkani
Malayalam
Marathi

CERTIFICATES & TECHNICAL SKILLS

Professional Accountant, Tally 9.0, Peachtree, Prime, First Vision, Intellect, Intellimatch, Intellisuite, Apex Cortex System, Swift, Beam, UAEFTS, MS Word, Excel, PowerPoint, Outlook

Accomplishments

    Honored with the CEO Award for Best Employee of the Year in 2022.

    Awarded Employee of the Month in 2018.

Timeline

Financial Operations Specialist

Geidea Payment LLC
12.2023 - 05.2025

Senior Merchant Settlement Officer

First Abu Dhabi Bank (FAB)
01.2013 - 11.2023

Finance Executive

Service Co-operative Bank
01.2012 - 01.2013

Bachelor of Commerce (B.Com) - undefined

Calicut University

Master of Commerce (M.Com) -

Calicut University

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Swapna Rajesh