First Data Merchant Services Interview Questions and Answers

I attended a 1-hour interview for the Analyst role. The questions were easy to moderate and included a mix of tasks. I was asked to read a paragraph aloud while recording, which tested my communication skills. There were also logical reasoning questions and basic math problems on topics like distance and time. The process was smooth, and the questions focused on analytical thinking and clarity in communication.

Q1. Introduce yourself
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Q2. What is trade life cycle
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Q3. What is option with example
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Q4. Difference between trial balance and balance sheet
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Q5. What is ETF
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Q6. What is mortgage back security
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Q7. What is stock exchange
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Q8. SEBI guidelines
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Q9. What is Repo rate
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Q10. Different between forward and future contact
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Q11. What is short selling
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Q12. Exel short cut
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Q13. Why do you want to work at Northern Trust?
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Q14. What qualifications and experiences make you a suitable candidate for this position?
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Q15. What are your strengths and weaknesses?
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Q16. Questions relating to vlook up and Advance excel formula
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Q1. Interview was taken in malad on interface 7 building The relationship officer Vaibhav Panchal . He assigned Interviewer the way he was talking he was not able to speak in english half of the question i was...read more
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Q2. His english was poor How you will get the customer count who speak in english? he didn't gave me which table to fetch from ? * question changed get the customer from one table and count from the other ...read more
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Round 1 was aptitude round, it consisted of java and c++ snippets and we had to guess the output. Apart from that there were problems on speed, velocity, distance and time. Problems on word-letter patterns were also asked. The aptitude round had 30 questions and time given was 30 minutes.

Aptitude round was the only elimination round. The next following 4 rounds were non-elimination rounds. Coding test included 3 questions - 1 and half hour was given to solve the same. It is fine if you don't perform well here, since it is a non-elimination round. But try to solve 1 and half or 2 questions atleast. The questions were mainly based on 1d arrays, 2D arrays, strings and string arrays.

Q1. Introduce yourself.
Ans. 
I am a recent graduate with a degree in engineering, eager to learn and grow in the field.
• Recent graduate with a degree in engineering

• Passionate about learning and growing in the field

• Eager to apply theoretical knowledge to practical projects
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Q2. Difference between Structure and object oriented languages
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Structure languages focus on procedures and functions, while object-oriented languages focus on objects and classes.
• Structure languages use functions and procedures to manipulate data

• Object-oriented languages use objects and classes to encapsulate data and behavior

• Structure languages are more procedural in nature, while object-oriented languages are more modular and reusable

• Examples of structure languages include C and...read more
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Q3. Explain of OOPS concepts and their real life examples.
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OOPS concepts are fundamental to object-oriented programming and include inheritance, encapsulation, polymorphism, and abstraction.
• Inheritance: A child class inherits properties and behaviors from a parent class. Example: Animal class can be a parent class with child classes like Dog and Cat inheriting its attributes.

• Encapsulation: Bundling data and methods that operate on the data into a single unit. Example: A car ob...read more
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Q4. What is static keyword and it's usage.
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The static keyword in programming is used to declare variables, functions, or classes that retain their values or state throughout the program's execution.
• Static variables retain their values between function calls

• Static functions can only be accessed within the same file

• Static classes cannot be instantiated and have limited visibility

• Static keyword can also be used in C++ to declare class members shared among all inst
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Q5. System architecture diagram for web application project.
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The system architecture diagram for a web application project visually represents the components and their interactions.
• Include components like client-side interface, server-side application, database, and external services

• Show how these components communicate with each other

• Consider scalability, security, and performance in the design

• Use standard symbols and notations for clarity
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Q6. Access Modifiers in java
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Access modifiers in Java control the visibility of classes, methods, and variables.
• There are four types of access modifiers in Java: public, private, protected, and default.

• Public: accessible from any other class.

• Private: only accessible within the same class.

• Protected: accessible within the same package and subclasses.

• Default: accessible only within the same package.

• Example: public class MyClass { private int myVar; p
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Q7. What OOPS concepts are implemented in my project
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Encapsulation, Inheritance, Polymorphism, Abstraction
• Encapsulation: Data hiding and bundling of data with methods. Example: Using private variables and public methods.

• Inheritance: Reusing code and creating a hierarchy of classes. Example: Subclass inheriting properties and methods from a superclass.

• Polymorphism: Ability to present the same interface for different data types. Example: Method overloading and overriding.

• A...read more
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Q8. DBMS core concepts
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Q9. Overloading and Overriding
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Q10. Approach to the coding questions asked in coding round.
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Q11. Questions on what is cloud and what are some cloud platforms you know?
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A project is assigned to a group of students and we need to come up with an idea on how to implement that project as a team.

Q1. Introduce yourself
Ans. 
I am a recent graduate with a degree in engineering, eager to learn and grow in the field.
• Recent graduate with a degree in engineering

• Passionate about learning and growing in the field

• Eager to apply theoretical knowledge to practical projects
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Q2. Family background
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The group discussion was conducted on the basic topic of "Education System in India." After announcing the topic, the HR provided three minutes for preparation, during which participants were allowed to take notes. Subsequently, each person spoke about the topic for 30 seconds. Following the individual presentations, a three-minute discussion took place among the members.

Q1. What is meant by securities?
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Securities are financial instruments that represent ownership or debt in a company or government entity.
• Securities can include stocks, bonds, options, and futures.

• They are bought and sold on financial markets.

• Investors purchase securities as a way to potentially earn a return on their investment.

• Securities can be issued by corporations, governments, or other organizations.

• They provide investors with the opportunity to ...read more
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Q2. What is meant by the repo rate and reverse repo rate?
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Repo rate is the rate at which the central bank lends money to commercial banks, while reverse repo rate is the rate at which the central bank borrows money from commercial banks.
• Repo rate is used by the central bank to control inflation and money supply in the economy.

• Reverse repo rate is used to absorb excess liquidity from the market.

• Changes in repo rate and reverse repo rate influence the interest rates in the econ...read more
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Q3. What is the difference between stocks and mutual funds?
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Stocks represent ownership in a single company, while mutual funds pool money from multiple investors to invest in a diversified portfolio of stocks, bonds, or other securities.
• Stocks represent ownership in a single company, giving investors the potential for high returns but also higher risk.

• Mutual funds pool money from multiple investors to invest in a diversified portfolio of stocks, bonds, or other securities, redu...read more
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Q4. Can you provide an introduction about yourself and share details about your family background?
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I am a Relationship Manager with a strong background in finance and customer service. My family is supportive and close-knit.
• Experienced Relationship Manager in finance industry

• Skilled in customer service and building client relationships

• Close-knit and supportive family background
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The test will comprise a total of 60 questions, divided as follows: 70% of the questions will focus on finance and accounting, while the remaining questions will cover aptitude and English.

Q1. Zero coupon bonds, long-term liabilities, return on equity, debt-equity ratio, captial budgeting and techniques, bonds and its types, debt instruments meaning, collateral, mortgage, spin off, demerger, mer...read more
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Basic qsns and answers and personality test

Q1. Family background question
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Q2. My hobbies and other things
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Q3. Discussion on family
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Q4. Work and course related
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Q5. Fresher so basic questions
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Q1. Self intro , normal question like background
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Q1. About differ based on what the role you looking for , basically mutual fund questions and and Excel
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Q1. Why are you switching the job?
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Seeking new challenges and opportunities for growth in a different environment.
• Looking for new challenges and opportunities for professional growth

• Interested in working with new technologies or in a different industry

• Seeking better work-life balance or career advancement

• Company restructuring or changes in management
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Q2. Why do you want a hike?
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I believe my skills and experience warrant a salary increase to reflect my value to the company.
• I have gained additional certifications and skills since my last salary review.

• I have taken on more responsibilities and projects that have contributed to the company's success.

• I have received positive feedback from colleagues and supervisors on my performance.

• I have researched industry standards and determined that my curre
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Q1. What are bgp attributes?
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BGP attributes are used to influence the path selection process in BGP routing.
• BGP attributes include AS_PATH, NEXT_HOP, LOCAL_PREF, etc.

• AS_PATH attribute shows the path the route has taken through ASes.

• NEXT_HOP attribute specifies the next hop IP address for the route.

• LOCAL_PREF attribute is used to influence outbound traffic.

• Examples of BGP attributes manipulation include AS_PATH prepending and setting LOCAL_PREF.
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Q2. What is route reflector?
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A route reflector is a feature in BGP that helps reduce the number of IBGP peerings required in a network.
• Route reflectors help in reducing the number of IBGP peerings in a network by allowing a route reflector to reflect routes to other routers.

• They are used in large-scale networks to avoid the full mesh IBGP requirement.

• Route reflectors can be configured in a hierarchy to further optimize route reflection in the netw
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