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Technical Consultant Resume



Around 9 years of experience as a Technical Consultant in CARDS domain on IBM Mainframe technology and Vision PLUS. Involved in all phases of software engineering technology requirements gathering, analysis, design, development, testing and maintenance. Having 4+ years of working experience in USA. Seeking positions where I can leverage my Technical experience to create value for the company and its customers. Willing to relocate.

Skill set

Primary Skills

  • Domain Banking & Finance (CARDS)
  • Mainframe Vision PLUS
  • Languages - COBOL, JCL, SQL, CICS
  • Database DB2, VSAM
  • Utilities DFSORT, FileAid, Ezytrieve,
  • Intertest
  • Configuration Management -Changeman /Infoman
  • OPC(Operations and Processing Control)
  • Quality Center


  • Software Development Methodologies Waterfall, Agile
  • Testing Tools Mercury Quality Center
  • Microsoft Suite of Products
  • Operating Systems Window 98/2000/NT/XP, MVS OS 390

Experience Summary

  • Playing the role of Technical Consultant in the CARDS Domain on various projects implemented for Private Label System products of Citi Financials.
  • Worked for Citi, Dallas and Citi, Baltimore in the role of an Onsite Project Lead between 2007 and 2012 and possess a great degree of experience in interaction with client partners and business users gathering requirements, identifying pain points and resolving issues both in the functional and technical areas
  • Worked as a solution architect based out of Chennai, India for various projects up taken for Citi Cards Sales finance, N.A
  • Also worked as a technical lead on different projects executed for GE-Money, Australia and GE- Money, Thailand during the period 2004 - 2006
  • Exceptional ability to maintain and build client relationships and able to comfortably converse with all facets of the client organization.
  • Adept in providing analytical support to key business applications and rich experience in translating business requirements to understandable IT systems requirements.
  • Managed and coordinated teams in multiple locations across geographies from the client location.
  • Thorough understanding of Software Development Life Cycle (SDLC), involved in various phases like Requirements, Analysis/Design, Development and Testing.
  • Worked in various Vision Plus subsystems with competency in Credit Management System, Merchant Banking System, Financial Authorization System, and Credit Decision Management.
  • Key member of the COE team for various business processes like Merchant Plan Setup, Payment and Regulation fee processing.
  • Participated in proposal discussions to aid the client team to reengineer and redesign the existing system to improve Customer Campaigning Process.
  • Worked for 3 years as an offshore team member and played an active role in the Design, Development and Maintenance of various CARDS applications using Mainframe COBOL and Vision Plus architecture.
  • Possess good knowledge of software testing practices and preparing test cases with requirement study and test logs.
  • Certified in IBM DB2 UDB V71.1

EDUCATION: Cofnidential

Work Experience

Client Confidential, Jul 2006 till date

Confidential,largest provider of credit card products. The functions of Citi cards IT include business relationship management, project management, solutions, development, testing, engineering, infrastructure, information security, finance and administration, architecture, and data systems management.

Sales Finance is the division of Citi Financial Retail Services that comprises of private label business units. This private label division is merchant driven and provides funding for furniture, carpet, HVAC and chain stores such as Home Depot, Sears etc. Sales Finance is using Vision PLUS platform for handling retail private cards portfolio. CDM, CMS, MBS, LTS, SS and FAS are the major applications used.

Confidential,Private Label System (PLS) is where the credit application for revolving loan originates. Applications through different channels come through the Credit Management System of Vision Plus which is validated and accounts are set up for successful applications. The important features of Private Label System are:

  • Application Processing
  • Account Setup
  • Account Maintenance
  • Merchant Processing

Involved in Technology Enhancement services and giving functional & technical support to all modules of Sales Finance Citi Group US.
Services include supporting different re-engineering projects to re-platform the current CARDS System and also multiple application maintenance/enhancement projects to implement the new/changed business rules.

Client Interfacing Responsibilities - Requirements Gathering and Production Support

  • Developed and implemented critical business processes by continuous interaction with multiple Citi cards business users. Responsibilities include helping the Business Analysts by providing systems analysis: clarifications on all application related queries, providing fix for issues and enhancing the existing system with process improvements.
  • Business requirement document preparation
  • Performed fit-gap analysis of business requirements to application functionalities
  • Responsible as Subject Matter Expert (SME) for CITI Cards Sales Finance area. Participated in the requirements analysis and was responsible for analyzing dependencies on various integration points and interfaces.
  • Involved in key technical decisions around overall analysis and dependencies on various external vendor systems for credit check, payments, statements etc. and providing appropriate feedback on the technical artifacts (architecture, coding standards etc.) during the design phase.
  • Good understanding of the complete Credit Management System process which involves account processing like fee, charge off, Reg Z rules on the customer statement etc.
  • Coordinated with the operation areas and lines of business to spot out and specify complex business requirements and processes.
  • Designed high quality context diagrams and batch process flows to improve the quality of the system documentation in the Sales and Operations Area.
  • Integral part of the production support team at the client location and handled multiple tasks coordinated by the different business and systems analysts at Citi groups for resolving Severity1 and Severity2 issues.
  • As part of the Problem Management team, provided various metrics and key performance indicators that allowed the client to understand the pain points in the system and prioritize the fixesaccordingly.
  • Effectively handled the offshore team to provide and implement the long term fixes in all the major and minor releases and streamlined the review and delivery process, freeing up client organization subject matter experts to primarily focus on requirements management, customer relations, and client specific issues coordination.
  • Shouldered overall responsibilities to understand client processes and always worked efficiently to meet targets and delivered solutions in accordance with the organizational quality standards and business practices.

Design and Development Responsibilities

  • Development of as-is (existing) and to-be process flow maps using MS Visio
  • Preparation of functional and technical specification documents
  • Finalize on Testing methodology and development of test scripts mapping to BRD and functional specification documents
  • Perform Unit testing and coordination of SIT and UAT
  • Conduct user training
  • Production deployment and post implementation support
  • Involved in application scalability assessment, performance monitoring and DB2 performance tuning
  • Responsible for all phases of design, development, testing and delivery of all the enhancements implemented as per the Citi Cards Sales Finance Maintenance release calendar from July 2006 - till date.
  • Led a team of 10 for customizing Magnum Credit Check & RAPUP Interface to Credit Decision Management System for credit score retrieval process. The project requirement included setting up of parameters for various credit bureaus like Trans Union, Experian and Equifax to suit new/enhanced business rules. The work was delivered well within schedule and surpassed client’s quality expectation.
  • Design and development of UDAP Reasonable Fees functionality for Operations end users. The project involved interfacing with the Operations team personnel and business technology services group to understand the exact business requirements.
  • Involved in the design of the integration of interfaces including CACS, CDW and ORCC.
  • Designed and developed processing rules to accommodate the change in terms (CIT) on Existing Cardmembers (ECM) and new card accounts (Acquisitions) for the US CitiFinancial Retail Services portfolio.
  • Developed and implemented the project which impacted the statements of credit card holders.

Projects Experience Highlights

  • Project Name : Blaze Decision Engine

Description : This project encompassed the development of Decision Engine that should be able to perform portfolio management and proactive lending to the customers. The system functionality is to screen existing customers based on bureau and on-us criteria, identify good customers for line
increases and select accounts based on given decision criteria.
Environment : Cobol, JCL, VSAM, DB2, Ezytrieve, CICS, TSO/ISPF, DFSORT, Inter-test.
Role : Project Lead, managed a team of 6 consultants and developers
Responsibilities : Business Requirement analysis, Functional and technical design,
development and testing, Project Planning, Team Sizing and Resource Management

  • Project Name : Vision De-conversion to GE

Description : Citi sold approximately 70% of the US Sales Finance Portfolio to GE Capital. This
sale specifically excludes few US Merchants, Puerto Rico, and Canada. This project
involved the de-conversion of cardholder and merchant information for the Sales
Finance US Portfolio.
Environment : Cobol, JCL, VSAM, Ezytrieve, CICS, TSO/ISPF, DFSORT, Inter-test and Quality Center
Role : Project Lead, handled a team of 5 consultants and developers
Responsibilities : Business Requirement analysis, Functional and technical design,
development and testing, Project Planning, Team Sizing and Resource Management

  • Project Name : UDAP Regulation Project (RegZ Reasonable Fees)

Description : As part of Regulation act there were many changes to the current statement format
and the verbiage changes in the system. Project was to enhance the system to
re-format the statements and penalty fess assessed based on a violation of the
customer account terms as per the RegZ requirement by analyzing the changes,
writing designs, re-formatting the statements using the CSF tool.
Environment : Cobol, JCL, VSAM, DB2, Ezytrieve, CICS, TSO/ISPF, DFSORT, Inter-test, CFS tool
Role : Technical Lead
Responsibilities : Functional specification analysis and technical design,
development and testing

  • Project Name : Change in Terms

Description : To remain competitive and increase profitability, the CITI executed a change in
terms (CIT) on Existing Card members and new card accounts. The CIT project
mostly involved the design and development of interest changes, Fee changes and
penalty pricing changes
Environment : Cobol, JCL, VSAM, DB2, Ezytrieve, CICS, TSO/ISPF, DFSORT, Inter-test and Quality Center
Role : Technical Lead
Responsibilities : Technical design, development and testing

  • Project Name : Magnum Credicheck System Upgrade

Description : CitiFinancial uses Magnum software for pulling credit reports from the five credit bureaus - TU, TW, CB, HA and MN. Current CCPAM region uses Magnum software CrediCheck IV version 5.1 and Rapup version 2.1. This project involved the design and development to upgrade the CrediCheck software to version 6.0 and Rapup software to version 3.0.
Environment : Cobol, JCL, VSAM, Ezytrieve, CICS, TSO/ISPF, DFSORT, Inter-test, Credicheck / Rapup
Role : Technical Lead
Responsibilities : Technical design, development and testing

Organizational Contribution

  • Participated in the proposal preparation and proposal defenses for various assignments
  • Being a part of the product CoE team, conducted trainings on various business processes like Plan setup, Customer Statements and Campaigning and also on proprietary tools to ramp up the team for upcoming projects.

Client Confidential,Jul 2004-Jun 2006

Application Design and Development

Worked with GE Money, Australia and GE Consumer Finance, Australia as Systems Analyst Responsible for preparation of Technical specification documents, Source coding and review, Unit test scripts preparation, testing and defect tracking for various projects including the Project Criptic Credit Reporting Privacy Code

Direct Credit Enabling GO MasterCard, Seabrook Interface Development and Project Grand Prix

Developed detailed test scripts for testing the core functionality of transferring the funds from GO MasterCard to a banking account affiliated with Westpac Banking Corporation, interest calculation and payment processing
  • Responsible for Production Verification Testing and Preparation of PVT Result documents
  • Key person to ensure that Quality related processes & documentation processes are followed in the whole of the software development life cycle process
  • Responsible for defect tracking and weekly status reporting to client using the Mercury Quality Center
Developed code review checklists and tools to ensure that the software follows the client quality standards. Provided guidance and support for System Integrations testing and User Acceptance Testing.

Projects Experience Highlights

  • Project Name : Seabrook Interface Development

Description : The project Seabrook Interface Development, Direct Entry Dishonors was intended
to achieve the following business objectives for GE Money:
When Direct Debits or Credits are dishonored because of inadequate funds or other
reasons they are returned to GE via the Payment Gateway. Westpac will produce
one file for each submitted Direct Entry file, which needs to be converted to a
common format ready for the TRAMS input file path. Project includes the design
and development of the pre-processor report in TRAMS 1703 report format, which
provided assistance in the resolution of file reconciliation issues.
Environment : Cobol, JCL, VSAM, CICS, TSO/ISPF, DFSORT, Inter-test, Quality Center
Role : Development Lead
Responsibility : Technical design, coding, test script preparation and Unit Testing

  • Project Name : Project Grand Prix

Description : Project encompassed the Development and testing of the new card introduced by GE Money in the market - a dual card, which had the features of both retail card and the MasterCard. The highlight of the product was Balance Transfers which was considered an integral piece of the Squid product that would encourage the Squid customers to pay off their existing credit card balances which they have with other card issuers and offering them a temporary promotional ‘low’ interest rate
Environment : COBOL, JCL, VSAM, CICS, TSO/ISPF, DFSORT, Inter-test, Quality Center
Role : Developer
Responsibility : Coding and Unit Testing

Organizational Contribution

  • Conducted training for 10 new inductees and 4 member client group on Financial Authorization system on Vision Plus Architecture.

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