Analyst - Banking Operations (Direct Bank Operations) at First Citizens India

Bangalore, karnataka, India -

Full Time

Start Date

Immediate

Expiry Date

02 Oct, 26

Salary

0.0

Posted On

04 Jul, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Banking Operations, Transaction Processing, Fraud Detection, Risk Assessment, Identity Verification, Treasury Operations, MS Office Suite, Analytical Skills, Organizational Skills, Customer Service, Regulatory Compliance, Data Entry, Time Management, Interpersonal Communication, Account Maintenance, Financial Integrity

Industry

Financial Services

Description

FC Global Services India LLP (First Citizens India), a part of First Citizens BancShares, Inc., a top 20 U.S. financial institution, is a global capability center (GCC) based in Bengaluru. Our India-based teams benefit from the company’s over 125-year legacy of strength and stability. First Citizens India is responsible for delivering value and managing risks for our lines of business. We are particularly proud of our strong, relationship-driven culture and our long-term approach, which are deeply ingrained in our talented workforce. This is evident across all key areas of our operations, including Technology, Enterprise Operations, Finance, Cybersecurity, Risk Management, and Credit Administration. We are seeking talented individuals to join us in our mission of providing solutions fit for our clients’ greatest ambitions. Job Description: Value Preposition This role anchors the intersection of precision and fiduciary responsibility—tasked with executing high-scrutiny withdrawal and account maintenance requests while preserving operational sanctity and client trust and It offers the rare confluence of transactional control and risk foresight, empowering the incumbent to uphold financial integrity while actively safeguarding against fraud within a dynamic, high-accountability environment. Job Details Position Title: Analyst - Banking Operations (Direct Banking Operations) Career Level: P1 Job Category: Associate Role Type: Hybrid Job Location: Bangalore About the Team: The Specialty Operations team functions as a pivotal cornerstone within the bank’s operational framework, entrusted with executing high-stakes account transactions with impeccable precision and discretion. Composed of consummate professionals, the team orchestrates a seamless balance between regulatory compliance and customer-centric execution. Their unwavering commitment to procedural integrity, fraud mitigation, and timeliness reinforces institutional trust and operational excellence. With a culture rooted in diligence and collaborative acuity, the team exemplifies the quiet force behind resilient banking. Impact In this role, you will be responsible for processing various customer account withdrawal requests, including partial withdrawals, full account closures, internal transfers, and check requests. Additionally, you will support various account maintenance, such as Trust Conversions. The ideal candidate will demonstrate strong attention to detail, excellent judgment, and a proactive approach to identifying potential fraud concerns to ensure the security and integrity of our banking operations. Transactions are expected to be processed efficiently and within the department’s Service Level Agreement (SLA) to ensure timely customer service and operational efficiency. Key Deliverables Transaction Processing Excellence - Process customer withdrawal requests, including partial withdrawals and full account closures. Maintain accurate and detailed records of all transactions processed. Arrange for checks to be mailed to customers as per requests. Verify customer identifies and account details prior to processing transactions. Organization and timeliness – Prioritize work to meet service level agreements for various bank partners. Identify and escalate complex issues or situations that require further analysis or investigations to systems team for assistance. Execute internal transfers between customer accounts accurately and efficiently. Identity Verification and Risk Assessment- Ensures rigorous authentication of customer credentials and account information prior to processing, demonstrating vigilance in identifying red flags indicative of fraud or irregular activity. Data Integrity and Documentation- Maintains a comprehensive and audit-ready repository of transactional records, reflecting accuracy, transparency, and accountability across all operational touchpoints. Fraud Surveillance and Escalation- Independently assesses transactions for potential fraud risks, exercises discretion in decision-making, and promptly escalates suspect activity for management review. Cross-Functional Collaboration- Engages constructively with the systems and investigations teams to resolve complex operational anomalies that warrant technical intervention or additional scrutiny. Customer Communication and Fulfillment- Coordinates timely dispatch of requested budgetary communications and account correspondence, aligning with customer service protocols and data protection mandates. Regulatory Adherence and Compliance- Compliance with all FCB regulatory training and ensure these programs and policies are applied consistently across the business. Stay updated on fraud prevention measures and ensure compliance with bank policies, procedures, and regulatory requirements. Skills and Qualification Functional Skills: Analytical and Organizational Acumen: Demonstrates exceptional organizational foresight and time management abilities to navigate high-volume workflows with precision. Must possess the cognitive agility to prioritize competing demands, multitask efficiently, and maintain data integrity in a deadline-driven environment. Superior verbal, written, and interpersonal communication skills are imperative for cross-functional coordination and stakeholder engagement. Decisive Judgment in High-Stakes Environments: Exhibits the capacity to make prudent, time-sensitive decisions under pressure, particularly in scenarios involving operational risk or financial exposure. Must demonstrate a proactive disposition in identifying anomalies and escalating concerns to senior leadership or risk counterparts without delay. Collaborative Execution and Team Synergy: Fosters a strong spirit of teamwork while executing individual responsibilities with autonomy and accountability. Expected to engage fluidly with cross-border teams, operational partners, and internal stakeholders to ensure seamless, timely execution of business-critical tasks. Domain Expertise in Banking and Payment Operations: Brings foundational knowledge of banking protocols, with exposure to domains such as cash management, funds movement, treasury operations, and deposit lifecycle. Prior experience navigating customer accounts, transaction routing, and institutional compliance is highly advantageous. Process Vigilance and Risk Sensitivity: Possesses a vigilant eye for irregularities and operational inconsistencies, ensuring every transaction adheres to internal controls and regulatory frameworks. Applies judgment to assess potential fraud scenarios and triggers timely mitigation steps. Client-Centric Mindset: Balances operational rigor with service excellence by understanding the broader customer impact of each transaction. Ensures client satisfaction through timely handling of inquiries, responsiveness to escalations, and adherence to SLAs. Adaptability and Learning Orientation: Exhibits intellectual curiosity and a willingness to continuously learn, adapt, and evolve with system changes, regulatory expectations, and process re-engineering initiatives. Demonstrates receptiveness to feedback and a drive for self-improvement. Technical/Business Skills: Strong data entry skills including accuracy, oral/written communication, and customer service skills Flexibility to work in India night shifts Expertise on MS Office Suite A bachelor’s degree in commerce or MBA in relevant field is required 3-5 Years of Experience in Treasury Operations and Specialty transaction processing US Banking Experience Relationships & Collaboration Reports to: Manager / Sr. Manager Partners: Stake holders 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. Equal Employment Opportunity FC Global Services India LLP (First Citizens India) is an Equal Employment Opportunity Employer. We are committed to fostering an inclusive and accessible environment and prohibit all forms of discrimination on the basis of gender, religion, caste, disability, sexual orientation, economic status or any other characteristics protected by the law. We strive to foster a safe and respectful environment in which all individuals are treated with respect and dignity. Our EEO policy ensures fairness throughout the employee life cycle. FC Global Services India LLP (First Citizens India), a part of First Citizens BancShares, Inc., a top 20 U.S. financial institution, is a global capability center (GCC) based in Bengaluru. Our India-based teams benefit from the company’s over 125-year legacy of strength and stability. First Citizens India is responsible for delivering value and managing risks for our lines of business. We are particularly proud of our strong, relationship-driven culture and our long-term approach, which are deeply ingrained in our talented workforce. This is evident across all key areas of our operations, including Technology, Enterprise Operations, Finance, Cybersecurity, Risk Management, and Credit Administration. We are seeking talented individuals to join us in our mission of providing solutions fit for our clients’ greatest ambitions. Ready to join our team? Explore available positions and apply now on our careers site. First Citizens BancShares, Inc., a top 20 U.S. financial institution with more than $200 billion in assets and a member of the Fortune 500™, is the financial holding company for First-Citizens Bank & Trust Company ("First Citizens Bank"). Headquartered in Raleigh, N.C., First Citizens Bank has built a unique legacy of strength, stability and long-term thinking that has spanned generations. Visit: https://www.firstcitizens.com/

Responsibilities

Responsible for processing customer account withdrawal requests, account closures, and internal transfers while ensuring strict identity verification. The role involves monitoring transactions for potential fraud and maintaining audit-ready records to ensure operational integrity.