BNY Mellon Cash Processing Associate Pune 2025
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About BNY Mellon
BNY Mellon (The Bank of New York Mellon Corporation) is among the oldest and most globally renowned financial institutions in the world, focusing on investment services and investment management. BNY Mellon has a presence in India, specifically in Pune and Chennai, which provides attractive career options for BNY Mellon investment services, operations, and technology.
Mellon’s Associate – Cash Processing / Funds Transfer has a vital part to play in carrying out cross-border payments. This position is more involved than mere computer or clerical work. It entails stringent monetary policy adherence, money movement on a global scale, regulations, and precision.
Job Overview
The Associate – Cash Processing/Funds Transfer position is responsible for the global payment operations of the company concerning daily cash movement for processing financial transactions and processing SWIFT messages. With 1–2 years of experience in any field or even as a fresher, this position offers a gateway to global banking and back-office processes.
Key Responsibilities
In this specific role, Associates will engage in transaction processing, cash management, payment instruction validations, and cash break reconciliations in real time.Monitoring transaction processes on several systems, tracking payment failures, and ensuring global compliance such as Anti Money Laundering (AML) and Know Your Customer (KYC) regulations are also pertinent to this position.
It is a pivotal position in the interdependent nature of the banking industry.
This role gives vast exposure to the banking industry and cross-border payment systems, SWIFT and reconciliation systems.
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Manage receipt and disbursement of large sums of money
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Process and receive payments through SWIFT MT103 and MT202 messages
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Process cash instruction messages and validate customer information
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Manage and enforce compliance with AML, KYC, and other operational policies
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Manage relationships with other departments and outside business partners
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Analyze and resolve issues with payments that have not been completed or matched
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Investigate discrepancies
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Maintain records for compliance and audit purposes
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Fulfill and report on management-information-system-defined benchmarks for accuracy, timeliness, transparency, and service level agreements
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Report compliance discrepancies with SLA
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Manage daily reconciliation of vostro and nostro accounts for compliance and internal control purposes
Eligibility Criteria
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Education: B Com, BBA, BMS, MBA, and BA and BSc holders.
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Experience: 2 years in operational roles in cash processing, funds transfers, or finance will be considered.
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Location: Pune, India.
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Graduation Year: 2022, 2023, 2024, 2025.
Required Skills
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KYC, and compliance standards knowledge
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Strong understanding of finance and banking operations
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Working knowledge of payment systems SWIFT and bank identification codes
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MS Excel proficiency especially with filters, Pivot tables, and Vlookup
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Strong capacity for information and data validation and verification responsiveness
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Good written and spoken email and verbal communication
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Ability to work in rotational shifts
Required Skills
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Previous internship or work in BFSI, KPO, or banking operations
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Familiarity with systems like Flexcube, Finacle, Murex, or SWIFT terminals
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Knowledge in forex, remittance, and reconciliation
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NISM, AML-KYC, CAMS, or advanced Excel certification
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Familiarity with international payment systems and trade finance concepts
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Work Location & Shift Hours
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Location: Pune, Maharashtra
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Work Model: On-site / Hybrid (team-specific)
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Shift: Rotational (24×5 global support)
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Days Off: 2 consecutive days in rotation
Salary and Benefits
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Expected CTC: ₹3.5 LPA – ₹6.5 LPA (experience based)
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Additional Benefits:
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Health & Life Insurance
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Cab for night shifts
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Annual bonus (performance-based)
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Retirement benefits – PF, gratuity
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Internal career mobility
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Work-life balance friendly
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Career Growth Path
At BNY Mellon, you can progress as:
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Associate → Senior Analyst → Team Lead / Supervisor → AVP – Payment Operations → VP – Global Transactions
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Training and skill development programs, internal job postings (IJP) are accessible.
How to Apply
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Visit: https://www.bnymellon.com
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Go to: Careers > Search Jobs
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Look for: “Cash Processing Associate – Pune”
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Review job description and click Apply Now
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Register / Login and upload CV
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Wait for HR communication
Interview Steps
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Online Application
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HR Screening Call
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Aptitude, Excel, and Technical Interview – Funds Flow, SWIFT, Reconciliation
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Scenario-based Managerial Interview
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HR Final – Salary Expectations, Work Schedule, Background Verification
FAQs
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Q: Is this position available for freshers?
Affirmative. Open to finance graduates and those with internships. -
Q: What is the working shift for this position?
Primarily rotational to accommodate international banking functions. -
Q: Is prior knowledge of SWIFT required?
Useful but not required. Instruction available. -
Q: What options are available regarding growth?
Promotions from within, internal job posting, mobility across functions and levels in global operations.
You May Be a Perfect Fit If:
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You are a recent graduate in commerce, business, or finance
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You wish to begin your career in international banking
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You like dealing with financial transactions and paperwork
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You have good attention to detail and accuracy with data
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You are seeking a position with a global MNC that offers training
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You are capable of working under pressure and within tight deadlines
Apply Now: Associate, Cash Processing/Funds Transfer
Who Can Apply – Expanded
This position is perfect for first time job seekers (B.Com, BBA, M.Com, MBA Finance, or non-commerce graduates with a passion for banking).
Having completed a project or internship in finance operations, banking, fintech, or auditing, even if you lack professional experience, can be beneficial.
For those seeking to begin a career in core banking operations, this position provides a balanced combination of hands-on training and experience with real-world systems.
The recruitment team at BNY Mellon considers candidates ranging from freshers to those who have just 1–2 years in back office or middle office positions.
Conclusion
The position of Associate – Cash Processing/Funds Transfer in BNY Mellon, Pune, is an excellent opportunity for both freshers and professionals in the early stages of their careers. With structured training, global exposure, and career growth support, it offers an ideal foundation for a career in finance and international operations.
Apply Now and secure your job with one of the world’s most trusted financial institutions in 2025!
