Rupanshi Sharma

Senior financial crime investigator with 4+ years of experience across UK fintech, SME credit-card portfolios, payments and European marketplace risk. Experienced in complex end-to-end investigations, high-risk CDD/EDD, business and customer verification, suspicious activity assessment, SAR preparation, money-mule and linked-account typologies, adverse-media research and audit-ready decisioning. Trusted to support investigators on escalated cases and turn case findings into stronger guidance, QA and financial crime controls.

Fraud Investigator - Financial Crime & Fraud Operations - Lendable - London, UK

(2025-12 - 2026-06)

• Owned complex end-to-end investigations across customer accounts and Mastercard transactions, reviewing alerts, account activity, linked behaviour and evidence relating to suspicious activity, impersonation, account takeover, first-party fraud and unauthorised payments.
• Conducted high-risk CDD and EDD using Sumsub and ComplyAdvantage, assessing customer profiles, transaction behaviour, PEP and sanctions exposure, adverse media, fitness and probity indicators and ongoing risk.
• Prepared and submitted 50+ SARs per month with clear grounds for suspicion, transaction chronology, supporting evidence, linked-account indicators, investigative steps and defensible escalation outcomes.
• Acted as an escalation contact for complex cases, guiding colleagues on risk indicators, evidence requirements and case rationale; translated recurring typologies and quality gaps into QA feedback, training notes, SOP updates and control improvements.

Disputes and Fraud Officer - Capital on Tap - Cardiff, UK

(2025-07 - 2025-09)

• Investigated fraud and transaction-monitoring alerts across SME Visa credit-card portfolios, including unusual business spend, suspicious activity, compromised credentials, account misuse and emerging fraud patterns.
• Completed CDD/EDD and validated customer, business and transaction information against AML, FCA and internal financial crime requirements, escalating higher-risk profiles and documentation gaps.
• Worked with Compliance and Financial Crime Analytics to improve monitoring logic, reduce false positives and strengthen the quality and consistency of case documentation.

Investigations Specialist - Fraud & Risk Operations (Europe) - Amazon - Bangalore, India

(2020-08 - 2023-09)

• Investigated 1,000+ high-risk European marketplace transactions per month, identifying unauthorised payments, linked-account networks, coordinated fraud rings, chargeback abuse and money-mule indicators.
• Analysed payment, account, behavioural, delivery and device evidence and obtained information from sellers and internal teams to corroborate activity and support proportionate restrictions, escalations and case outcomes.
• Provided case guidance and fraud-typology coaching to investigators and produced Excel/Power BI reporting on emerging trends, root causes and operational gaps.

MSc - Project Management - University of Sussex

BA (Hons) - Business German - University of Delhi