Job Description

Digital Transaction Monitoring & EOD Operations Executive

Job Purpose

To monitor digital banking transactions and to assist in End-of-Day (EOD) activities for Tamilnad Mercantile Bank Ltd, ensuring timely identification of transaction failures, reconciliation issues, service disruptions, and customer-impacting incidents. The role involves proactive monitoring, incident escalation, reporting, and coordination with internal technology, operations, and business teams.

Key Responsibilities

A. Digital Transaction Monitoring

- Continuously monitor transaction flow across:
- UPI
- IMPS
- NEFT
- RTGS
- Mobile Banking
- Internet Banking
- ATM & Debit Card transactions
- Payment Gateway transactions
- NACH and CTS transactions
- Loan Origination System APIs
- Finacle CBS interfaces and middleware platforms

- Monitor transaction success/failure ratios and identify abnormal transaction trends.
- Detect transaction drops, timeout issues, interface failures, duplicate transactions, and settlement exceptions.
- Monitor NPCI, CBS, middleware, switch, and payment channel alerts.
- Escalate service interruptions and transaction failures as per defined escalation matrix.
- Coordinate with vendors, application teams, and business users for issue resolution.
- Ensure timely restoration of critical banking services.
- Daily Digital Channel Health Report.
- Log the issues in ITSM Ticketing too
- Transaction Monitoring Dashboard Updates.

B. End-of-Day (EOD) Monitoring Activities

- Assist the Bank EOD Officer for completion of CBS EOD/BOD activities.
- Verify successful completion of batch jobs and interfaces.
- Monitor reconciliation processes and settlement reports. Sending emails to Stakeholders.
- Validate end-of-day transaction posting status.




- Track pending, rejected, or failed transactions.
- Escalate unresolved exceptions before business day closure.
- Generate daily EOD operational reports.
- Escalate the issues as per the escalation matrix shared.
- Log the issues in ITSM Ticketing tool.
- EOD Completion Report.
- Shift Handover Report.

Required Skills

Technical Skills

- Understanding of Digital Banking Channels.
- Knowledge of payment systems (UPI, IMPS, NEFT, RTGS,NACH,CTS).
- Familiarity with Core Banking Systems (Finacle preferred).
- Knowledge of API and middleware monitoring.
- Experience with transaction monitoring dashboards.
- Basic SQL/database query skills.
- Basic AIX skills.

Functional Skills

- Banking operations knowledge.
- Incident management.
- Root cause analysis and reporting.

Shift Requirement

- 24x7 rotational support.
- Availability during:
- EOD/BOD processing from 9pm till 6am / closure.
- Month-end closure
- Quarter-end closure
- Financial year-end activities
- Regulatory reporting periods

Security & Compliance Requirements

- Mandatory background verification of outsourced personnel.
- Execution of NDA and confidentiality agreements.
- Access granted strictly on role-based access controls (RBAC).
- Compliance with RBI outsourcing guidelines, ISMS policies, cybersecurity policies, and audit requirements.
- No sharing, downloading, or retention of customer data outside approved systems.

Deliverables Expected from Vendor

1. Dedicated skilled resources for 24x7 transaction monitoring.
2. Daily transaction health and exception reports.
3. Assist for EOD / BOD / Night shift activities.
4. Incident management and escalation support.
5. Monthly SLA and performance reports.
6. Resource backup during leave, attrition, or absences.

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