Pankaj Chavhan profile photo 1 on Tal

Pankaj Chavhan

Treasury Analyst | Payments & Cash Management | FX & Money Market Operations | Trade Operation| SWIFT ISO 20022 | Reconciliations & Liquidity | Banking Operations (MUFG | HSBC | TCS | Accenture)

Mumbai

4+ years of work experience

MUFG
Dec 20257 mosPresent

On-site

Support Money Market, FX Spot, FX Forward, and FX Swap operations, including deal input, pricing verification, and post-trade operational controls Validate interbank FX rates, swap points, and MM pricing against market and system references Generate and process SWIFT ISO 20022 (pacs.008 / pacs.009) messages for customer and interbank settlements Perform daily FX/MM deal reconciliations, cash movement checks, and settlement validation Support cash positioning, liquidity monitoring, treasury MIS, and audit-ready documentation Coordinate with Front Office, Middle Office, Back Office, counter-parties, and operations teams for break resolution
MUFG Bank
Dec 20256 mosMay 2026

Managed 150–250+ daily treasury settlement transactions across FX Spot, FX Forward, FX Swap, and Money Market, safeguarding multi-million USD in daily settlements with 100% SLA adherence through proactive queue prioritization. Resolved complex settlement exceptions through transaction analysis and stakeholder coordination, preventing processing delays and reducing reconciliation breaks by 30%. Utilised TRAM/SAMH for SWIFT message, reconciliation and for evidence, Deal Tracker Analyser, and confirmation tools to track transaction lifecycle, investigate discrepancies, and maintain operational controls for multi-million USD settlements. Supported high-volume treasury operations by prioritizing settlement queues and escalating critical risks to senior management, ensuring zero missed cut-off times during peak processing periods. Performed daily Nostro/Vostro reconciliation and exception analysis, maintaining transaction accuracy and ensuring compliance with internal controls and regulatory standards.
Tata Consultancy Services
Jul 20223 yrs 6 mosDec 2025

Mumbai, Maharashtra, India

Processed and validated SWIFT MT103, ACH Credits, CHAPS, Faster Payments, and cross-border transactions Achieved 98.99% payment accuracy, minimizing operational and settlement risk Performed daily bank, cash, funding, and Nostro reconciliations Investigated failed payments, resolved exceptions within SLAs, and reduced failure rates Supported Paymul & Faster Payments UAT and migration, improving processing efficiency by 20% Prepared SOX & PwC audit walkthroughs, reconciliations, MIS, and control evidence
TCS (HSBC)
Jul 20223 yrs 6 mosDec 2025

Processed 500+ weekly manual telegraphic transfers, ensuring accurate execution, compliance with payment instructions, and timely settlement within operational cut-off timelines. Monitored 10,000+ daily funding activities and processed 250+ customer inter-account transfers daily, maintaining transaction accuracy and uninterrupted treasury operations. Utilized TLM and Oracle Fusion to monitor transaction lifecycle, investigate exceptions, and support reconciliation and settlement control activities. Coordinated daily with internal stakeholders through service calls and operational discussions to resolve payment-related issues and ensure smooth transaction processing. Investigated and resolved payment discrepancies through root-cause analysis and timely stakeholder escalation, minimizing settlement delays. Supported implementation of Severity 2 operational issue resolution, ensuring prompt corrective action within 1-hour TAT and managing 75+ Severity 2 incidents to ensure process stabilization. Prioritized high-risk payment exceptions based on urgency, currency cut-off dependency, and operational impact to maintain SLA adherence. Collaborated with cross-functional teams to resolve transaction processing challenges and improve payment exception turnaround time. Monitored daily treasury settlement queues to ensure timely processing and escalation of critical exceptions. Maintained adherence to internal operational controls, payment-processing procedures, and audit/compliance requirements.
All-ways Logistics India Private Limited
Dec 20217 mosJun 2022

Mumbai, Maharashtra, India

Managed end-to-end claims processing for US healthcare clients with strict SLA adherence. Ensured compliance with regulatory standards while processing high-volume transactions. Improved accuracy and efficiency through targeted process improvements and quality checks.

Education

Mumbai University Mumbai

Business Management System, Accounting & Finance

Mumbai University Mumbai

20163 yrs2019
Mumbai university

Bachelor's Degree

Mumbai university

Join Pankaj and 10k+ other professionals on

Tal Boss

Tal is the app where bosses meet engineers & builders directly, without middlemen

Download Tal Boss

Pankaj Chavhan on Tal

Headline

Treasury Analyst | Payments & Cash Management | FX & Money Market Operations | Trade Operation| SWIFT ISO 20022 | Reconciliations & Liquidity | Banking Operations (MUFG | HSBC | TCS | Accenture)

About

Treasury & Payments Operations professional with 4+ years of experience supporting global banking and financial services environments, specializing in Payments Processing, Treasury Operations, Cash & Liquidity Management, FX & Money Market deal operations, Reconciliations, and Audit Controls. Currently working with MUFG Bank, supporting FX Spot, FX Forward, FX Swaps, and Money Market operations, including deal input, pricing validation, settlement processing, SWIFT ISO 20022 (pacs.008 / pacs.009), cash positioning, and liquidity reporting. Previously supported HSBC payment platforms at TCS, handling SWIFT MT103, ACH Credits, CHAPS, Faster Payments, cross-border transactions, Nostro reconciliations, funding checks, and exception handling, consistently achieving >98% payment accuracy in high-volume, time-critical environments. Strong experience in: Bank / Cash / Nostro Reconciliations FX & MM deal lifecycle support Liquidity & cash positioning SOX, PwC audit support & control documentation Payments platform migration & UAT (Paymul, Faster Payments) Technically skilled in SWIFT (MT103, ISO 20022), Oracle Fusion, TLM, Excel (Advanced), Power BI, and experienced in working closely with Front Office, Middle Office, Back Office, Technology, Compliance, and Audit teams. Actively targeting roles in Treasury Operations, Payments Operations, Capital Markets Operations, Corporate Banking, Investment Banking Operations, and Reconciliation / Control functions within global banks and financial institutions.

Location

Mumbai

Work experience

Financial Analyst at MUFG, Dec 2025 - Present · 7 mos, On-site, Support Money Market, FX Spot, FX Forward, and FX Swap operations, including deal input, pricing verification, and post-trade operational controls Validate interbank FX rates, swap points, and MM pricing against market and system references Generate and process SWIFT ISO 20022 (pacs.008 / pacs.009) messages for customer and interbank settlements Perform daily FX/MM deal reconciliations, cash movement checks, and settlement validation Support cash positioning, liquidity monitoring, treasury MIS, and audit-ready documentation Coordinate with Front Office, Middle Office, Back Office, counter-parties, and operations teams for break resolution

Accounting Administrator at MUFG Bank, Dec 2025 - May 2026 · 6 mos, Managed 150–250+ daily treasury settlement transactions across FX Spot, FX Forward, FX Swap, and Money Market, safeguarding multi-million USD in daily settlements with 100% SLA adherence through proactive queue prioritization. Resolved complex settlement exceptions through transaction analysis and stakeholder coordination, preventing processing delays and reducing reconciliation breaks by 30%. Utilised TRAM/SAMH for SWIFT message, reconciliation and for evidence, Deal Tracker Analyser, and confirmation tools to track transaction lifecycle, investigate discrepancies, and maintain operational controls for multi-million USD settlements. Supported high-volume treasury operations by prioritizing settlement queues and escalating critical risks to senior management, ensuring zero missed cut-off times during peak processing periods. Performed daily Nostro/Vostro reconciliation and exception analysis, maintaining transaction accuracy and ensuring compliance with internal controls and regulatory standards.

Financial Analyst at Tata Consultancy Services, Jul 2022 - Dec 2025 · 3 yrs 6 mos, Mumbai, Maharashtra, India, Processed and validated SWIFT MT103, ACH Credits, CHAPS, Faster Payments, and cross-border transactions Achieved 98.99% payment accuracy, minimizing operational and settlement risk Performed daily bank, cash, funding, and Nostro reconciliations Investigated failed payments, resolved exceptions within SLAs, and reduced failure rates Supported Paymul & Faster Payments UAT and migration, improving processing efficiency by 20% Prepared SOX & PwC audit walkthroughs, reconciliations, MIS, and control evidence

Financial Analyst at TCS (HSBC), Jul 2022 - Dec 2025 · 3 yrs 6 mos, Processed 500+ weekly manual telegraphic transfers, ensuring accurate execution, compliance with payment instructions, and timely settlement within operational cut-off timelines. Monitored 10,000+ daily funding activities and processed 250+ customer inter-account transfers daily, maintaining transaction accuracy and uninterrupted treasury operations. Utilized TLM and Oracle Fusion to monitor transaction lifecycle, investigate exceptions, and support reconciliation and settlement control activities. Coordinated daily with internal stakeholders through service calls and operational discussions to resolve payment-related issues and ensure smooth transaction processing. Investigated and resolved payment discrepancies through root-cause analysis and timely stakeholder escalation, minimizing settlement delays. Supported implementation of Severity 2 operational issue resolution, ensuring prompt corrective action within 1-hour TAT and managing 75+ Severity 2 incidents to ensure process stabilization. Prioritized high-risk payment exceptions based on urgency, currency cut-off dependency, and operational impact to maintain SLA adherence. Collaborated with cross-functional teams to resolve transaction processing challenges and improve payment exception turnaround time. Monitored daily treasury settlement queues to ensure timely processing and escalation of critical exceptions. Maintained adherence to internal operational controls, payment-processing procedures, and audit/compliance requirements.

Operations Executive at All-ways Logistics India Private Limited, Dec 2021 - Jun 2022 · 7 mos, Mumbai, Maharashtra, India, Managed end-to-end claims processing for US healthcare clients with strict SLA adherence. Ensured compliance with regulatory standards while processing high-volume transactions. Improved accuracy and efficiency through targeted process improvements and quality checks.

Education

Business Management System, Accounting & Finance, Mumbai University Mumbai

Bachelor's Degree, Mumbai university