Strategy Manager, Payment Cards - Bank of America
(2021-06 - 2025-10)
Owned the end-to-end fraud control landscape for the Unsecured Consumer Card (USCC) and ATM portfolios across 400 to 450 million monthly transactions and $31 to $34 billion monthly volume. Responsible for fraud pattern identification, detection model development, root cause analysis, and customer experience optimisation within risk decisions.
- Owned end-to-end fraud control landscape including assessing what was working, spotting gaps in detection coverage, and driving improvements that reduced losses while protecting genuine customer experience
- Developed and deployed 150+ fraud detection strategies targeting ATO, counterfeit, lost/stolen, and application fraud typologies, applying rigorous P&L validation before every deployment to balance risk mitigation with customer impact
- Led design and evolution of fraud detection logic, treating strategies as living systems that needed to keep pace with evolving fraud tactics and patterns across transaction types NP, CF, KT, KF, and digital wallet
- Conducted root cause analysis on large individual fraud losses and emerging fraud trends, developed targeted controls and strategies to mitigate their impact, and communicated findings clearly to leadership
- Championed customer experience within risk decisions by systematically optimising 250+ underperforming strategies to reduce false positives, ensuring legitimate customers were never incorrectly caught in controls
- Identified and implemented automation opportunities in reporting and analytics, saving the team over 90 hours per week through automated SAS pipelines and Tableau dashboards (Silver Award)
- Built and presented business cases to leadership for new controls and strategy changes, translating data and risk insights into clear investment decisions
- Partnered with product, technology, operations, and compliance teams to co-develop fraud solutions, ensuring fraud considerations were embedded from the start of every initiative
- Collaborated cross-functionally to integrate Fraud Risk Pre-Response signals into production authorisation strategies, developing a super signal concept combining multiple signals to improve detection precision
- Redesigned the High Risk Merchant Process developing dual-list targeting logic at merchant ID and name level using SQL, plus AVS-based tester merchant detection logic identifying fraudsters silently verifying stolen cards before transacting
- Rebuilt the full automated codebase in SAS reducing process time from 12 hours to 45 minutes and growing annual fraud capture from $20,000 to $30,000 to $3 to $4 million annually, a 150x improvement (Operational Excellence Award and 2 Gold Awards)
Senior Software Engineer - 7N Consulting Pvt Ltd, Client: Bank Data, Denmark
(2019-07 - 2021-06)
Delivered data analytics and regulatory compliance solutions for a Denmark-based banking client.
- Maintained a SAS DI based credit rating engine evaluating customer financial factors to generate credit ratings used for lending decisions
- Monitored daily data flows, investigated anomalies, and conducted root cause analysis on data discrepancies and customer escalations
- Implemented GDPR compliance processes designing SAS jobs for secure handling, anonymisation, and deletion of customer data
- Developed and maintained data pipelines using SAS DI and SQL Server; created Tableau and Power BI dashboards for KPI tracking and business decision-making
- Applied Agile/Scrum methodology collaborating with cross-functional teams to deliver analytical solutions
Business Intelligence Analyst, Marketing - Payback India (Loyalty and Rewards Platform)
(2018-04 - 2019-07)
- Analysed transactional and customer behavioural data using SAS EG, SQL Server, and Unix to generate insights supporting marketing strategy across 150+ merchant partners
- Managed end-to-end campaign analytics including customer segmentation, campaign execution, and post-campaign performance analysis
- Automated all manual periodic reports and scheduled via Unix, eliminating repetitive manual effort and improving analytical scalability
- Delivered regular KPI dashboards and performance reports to leadership covering loyalty metrics, transaction volumes, and campaign outcomes
Senior Data Analyst - GlobalLogic Pvt Ltd
(2013-12 - 2018-04)
- Extracted, processed, and validated large volumes of e-commerce product data for Google Shopping project, delivering insights and supporting client requirements
- Developed customised analytical reports using SAS procedures and collaborated with clients to translate data into actionable business insights
- Maintained data quality and accuracy standards across all client deliverables
