Harshitha Krishna
Greenhithe,London
Summary
Senior Payments & Operations Analyst with 3.5 years of experience in domestic and cross-border payments, transaction processing, reconciliations, and regulatory compliance within a global banking environment. Experienced in managing high-volume SWIFT, RTGS, and ACH transactions, with transferable knowledge of UK payment schemes including CHAPS, BACS, and Faster Payments. Skilled in exception management, process improvement, risk controls, and operational efficiency initiatives that enhance productivity and reduce errors. Eligible to work in the UK under a Skilled Partner Visa and actively seeking opportunities in Payments, Banking Operations, Financial Crime, AML/KYC, and Financial Services Operations.
Overview
3
3
years of professional experience
3
3
years of post-secondary education
Work history
Operational Senior Analyst
ANZ - Australia and New Zealand Banking Group
India
2021.12 - 2025.04
- Managed high-volume inward and outward payment transactions across SWIFT, RTGS, NEFT, and cross-border networks, meeting cut-off times and SLAs.
- Executed detailed reconciliations (Nostro/Vostro) to prevent financial discrepancies, reducing settlement errors by 15%.
- Led process improvement initiatives that automated workflows, decreasing payment processing time by 20%.
- Collaborated with compliance teams to ensure adherence to AML, KYC, and regulatory standards set by global banking authorities.
- Delivered training and onboarding for new hires, enhancing team productivity and minimising error rates within first 90 days.
- Participated in UAT and payment flow testing for system upgrades, improving straight-through processing efficiency.
- Acted as point of contact for client escalations, promptly resolving payment-related queries to maintain satisfaction.
Education
Bachelor of Business Administration - Accounts and Finance
Bengaluru City University
Bangalore, India 2018.05 - 2021.09
Skills
- SWIFT, CHAPS, BACS, and Faster Payments
- RTGS and NEFT
- Nostro and Vostro accounts
- Suspense account clearing
- Break investigation
- AML and KYC compliance
- OFAC screening
- FCA regulatory guidelines
- Workflow automation
- UAT and testing
- SLA monitoring
- Root cause analysis
- Payment gateway expertise
- Cross-border and FX payments
Timeline
Operational Senior Analyst
ANZ - Australia and New Zealand Banking Group
2021.12 - 2025.04
Bachelor of Business Administration - Accounts and Finance
Bengaluru City University
2018.05 - 2021.09