Senior Analyst - Deposit & Payment Operations

About the role

The Wire Investigations team functions as a critical line of operational defense within the bank's high‑value payments ecosystem. The team is entrusted with resolving complex post‑execution wire events, including payment returns, message amendments, and recall requests, while maintaining rigorous compliance with global clearing systems, correspondent banking protocols, and regulatory mandates. Through disciplined investigative practices and precise execution, the team safeguards client funds, minimizes financial exposure, and preserves institutional credibility. Impact This role plays a significant part in preserving the integrity of the bank's wire payment infrastructure. As a Senior Analyst, you will independently manage complex, aging, and high‑risk investigations, exercising sound judgment in scenarios marked by ambiguity, regulatory scrutiny, and financial exposure. Your decisions will directly affect loss outcomes, client confidence, and the bank's standing with regulators and correspondent institutions, thereby reinforcing the resilience and credibility of global payment operations. Key Deliverables Wire Investigations & Resolution: Lead end‑to‑end investigations of domestic and international wire returns, amendments, and recall requests, ensuring resolution is achieved with accuracy, timeliness, and regulatory compliance. Conduct comprehensive root‑cause analysis to determine fault points across initiation, formatting, routing, sanctions screening, and settlement stages. Independently adjudicate liability positions, recovery feasibility, and financial exposure in accordance with internal policies and market practices. Amendments & Message Management: Analyze and execute complex wire amendments involving beneficiary details, routing instructions, value dates, and narrative corrections across SWIFT, Fedwire, and internal platforms. Interpret and apply ISO 20022 and legacy message standards to ensure amendments are accurately structured and accepted by downstream counterparties. Recalls & Returns Handling Manage recall requests resulting from client error, potential fraud, compliance concerns, or operational defects, employing tactful negotiation with correspondent banks to maximize fund recovery. Resolve wire returns originating from rejections, sanctions hits, invalid instructions, or closed accounts, ensuring appropriate financial and accounting adjustments. Risk, Compliance & Controls Ensure strict adherence to AML, sanctions, and regulatory requirements throughout the investigation lifecycle, escalating suspicious or high‑risk activity in alignment with governance frameworks. Identify control gaps, recurring failure patterns, and systemic vulnerabilities, recommending preventive measures to reduce repeat incidents. Stakeholder Engagement & Escalation Serve as a point of escalation for junior analysts, providing subject‑matter guidance on complex cases and edge scenarios. Liaise extensively with internal partners including Compliance, Risk, Technology, Finance, Client Service, and external correspondent banks to drive resolution. Communicate investigation outcomes with clarity, precision, and professional authority to senior stakeholders. Reporting, Documentation & Audit Support Maintain comprehensive, audit‑ready case documentation evidencing investigative rigor, decision rationale, and regulatory compliance. Contribute to operational risk reporting, aging analysis, loss metrics, and thematic reviews for management and i

Additional Information

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 Assume a decisive role within a highly specialized wire investigations function, where expert judgment, regulatory acuity, and transaction analysis converge to resolve complex, high‑value payment exceptions across global corridors. Operate at the nexus of client protection, regulatory compliance, and institutional risk mitigation, directly influencing financial integrity through the expert handling of wire returns, amendments, and recalls. Job Details Position Title: Senior Analyst - Deposit & Payment Operations Career Level: P2 Job Category: Senior Associate Role Type: Hybrid Job Location: Bangalore

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