Summary
Overview
Work History
Education
Skills
Timeline
Generic
Ramyachitra Padamata

Ramyachitra Padamata

Sydney

Summary

Dynamic and Accomplished Payments Test Analyst with over 10 years of experience across international financial institutions in India, UAE, and Australia. Proven success at Commonwealth Bank, excelling in quality assurance, project coordination, and end-to-end testing in high-pressure environments. Expert in AS2805 and ISO 8583 standards with strong proficiency in functional, integration, and scheme certification testing across EMV, POS, ATM, and eCommerce platforms. Adept at liaising with global stakeholders and ensuring compliance with Visa, MasterCard, and EFTPOS mandates. Renowned for analytical thinking, effective issue resolution, and a collaborative approach that drives robust, high-quality outcomes.

Overview

12
12
years of professional experience

Work History

Payments Test Analyst

Eftex (Part of Bank Tech Group)
03.2025 - Current
  • Developed test plans and conducted scheme certification testing across POS devices, CNP Gateway, and Host platforms, ensuring compliance with Visa, Mastercard, and EFTPOS standards
  • Supported host system integrations by validating message flows, transaction behaviors, and certification readiness
  • Reviewed and enhanced EFTEX testing methodologies for certifications, software deployments, and quarterly scheme releases
  • Collaborated with internal teams, vendors, and scheme representatives to align testing with regulatory and release timelines
  • Proficient in AS2805, ISO 8583, and EMV standards with hands-on expertise in Postman, Paysim / FINSIM, MasterCard simulators, and switch platforms such as Postilion and BPNode

Senior Systems Analyst /Test Lead

Commonwealth Bank of Australia (via TCS & HCL)
10.2020 - 03.2025
  • Analyzed and validated business requirements, translating them into functional designs and detailed technical test cases to ensure end-to-end delivery alignment across cross-functional teams and project objectives
  • Led comprehensive end-to-end testing for ATM and POS applications, enabling high-quality releases and seamless customer experiences
  • Specialized in payments industry standards including AS2805, ISO 8583, and EMV, with hands-on expertise in FINSIM, CONNEX, and internal banking interfaces
  • Developed and executed robust test scenarios spanning ATM/POS scheme certifications, regression cycles, compliance upgrades, and integration across API (REST/SOAP) and switching platforms
  • Managed distributed QA teams and served as the escalation point for incident, change, and problem management—ensuring timely resolutions within SLA targets
  • Maintained clear and comprehensive documentation, evaluated SDLC practices, and contributed to ongoing process improvements
  • Collaborated with global vendors, scheme representatives, and internal stakeholders to uphold regulatory compliance and end-to-end quality in payment system certifications
  • Successfully led production validation cycles, driving test execution, defect resolution, and stakeholder engagement across multiple time zones
  • Consistently delivered high-quality outcomes under pressure while fostering a culture of accountability, innovation, and cross-team collaboration
  • Strong communicator with a passion for ensuring transactional integrity and robust quality assurance across the payments ecosystem

Customer Support Officer

NSW Government - Service NSW
05.2020 - 09.2020
  • Delivered high-quality customer service in alignment with Service NSW values, ensuring resolution of enquiries and accurate completion of transactions
  • Maintained up-to-date knowledge of internal procedures and information systems to support efficient service delivery
  • Supported administrative tasks and contributed to process improvement initiatives to enhance operational effectiveness
  • Provided prompt and effective resolution to customer inquiries via phone and email.

Senior System Analyst

RAKBANK
06.2016 - 02.2019
  • Spearheaded full lifecycle support for card and payment applications, including project planning, testing, implementation, and ongoing production support.
  • Collaborated with vendors and cross-functional teams to deliver seamless card-based solutions and ensure operational stability.
  • Investigated and resolved system issues within SLA, managed reconciliations, and ensured compliance with audit and security standards.
  • Conducted disaster recovery simulations, led application risk assessments, and contributed to business continuity planning.
  • Delivered code enhancements, led UAT/integration testing, and monitored post-implementation performance.
  • Produced detailed SQL reports, maintained robust documentation, and mentored junior team members to strengthen team capability.
  • Promoted to Senior System Analyst within 14 months due to strong performance and leadership.
  • Recognized with Gold Award for outstanding contributions to disaster recovery operations.
  • Led successful upgrades of critical credit card processing applications.
  • Co-developed a new debit card scheme project alongside a 4-member team.
  • Initiated and built a knowledge base to streamline internal collaboration and improve onboarding and knowledge sharing.

Implementation Engineer

Oberthur Technologies (IDEMIA)
08.2015 - 06.2016
  • Led EMV chip card migration and personalization projects across regions including the Middle East, Europe, and West Africa, enhancing payment security and reducing fraud.
  • Conducted requirement gathering and solution design through cross-functional collaboration with banks and internal teams.
  • Configured and supported card personalization machinery across facility management sites, ensuring efficient deployment and setup.
  • Developed card profile applications using object-oriented programming (C++, Java, XML), aligned with project timelines and customer specifications.
  • Improved time-to-market by 25% through efficient multitasking across design, engineering, and manufacturing phases.
  • Managed bank card inventory, performed reconciliations, and created SQL reports to support operational oversight.

Project Engineer - Mainframe Developer

Wipro Technologies
11.2013 - 05.2015
  • Developed, maintained, and deployed components of project modules using mainframe technologies in an Agile environment.
  • Conducted requirement gathering, analysis, and design of business logic components; created technical specifications aligned with client/vendor standards.
  • Prepared and executed unit and QA test scripts; ensured accurate and timely release testing for all new enhancements.
  • Maintained documentation and coding artifacts in compliance with organizational standards.
  • Supported knowledge transfer initiatives and mentored junior team members.
  • Recognized with the “Best Trainee” award for outstanding performance during onboarding.
  • Received team appreciation award “Way to Go!” for delivering defect-free code through collaboration and code quality.

Education

Master of Science - IT Management

University of Wollongong
Wollongong, NSW
10-2017

Bachelor of Science - Computer Science And Systems Engineering

Andhra University
India
07-2013

Skills

  • Requirements analysis

  • Defect tracking and reporting

  • Expert test planning & Project coordination

  • Problem-solving

  • Multitasking Abilities

  • Excellent communication

  • Teamwork and collaboration

  • Quality assurance expertise

  • Testing efficiency

  • Critical thinking

  • Client relations

Timeline

Payments Test Analyst

Eftex (Part of Bank Tech Group)
03.2025 - Current

Senior Systems Analyst /Test Lead

Commonwealth Bank of Australia (via TCS & HCL)
10.2020 - 03.2025

Customer Support Officer

NSW Government - Service NSW
05.2020 - 09.2020

Senior System Analyst

RAKBANK
06.2016 - 02.2019

Implementation Engineer

Oberthur Technologies (IDEMIA)
08.2015 - 06.2016

Project Engineer - Mainframe Developer

Wipro Technologies
11.2013 - 05.2015

Master of Science - IT Management

University of Wollongong

Bachelor of Science - Computer Science And Systems Engineering

Andhra University

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Ramyachitra Padamata