Aravindhan S

Fraud Risk Analyst with 4+ years of experience in Card and UPI merchant acquiring, transaction monitoring, chargeback management, and fraud prevention/detection. Proven ability to improve fraud monitoring efficiency, reduce false positives, and strengthen risk controls. Hands-on experience with SQL, Oracle, NPCI EFRM, and PRM platforms.

Deputy Manager - HDFC Bank - Chennai, Tamil Nadu, India

(2022-03)

Merchant Acquiring Monitoring & Control

• Spearheaded fraud detection and prevention strategies in Merchant Acquiring by analyzing fraud patterns and identifying high-risk merchant anomalies.
• Monitored chargeback trends and analyzed deviations against historical benchmarks to identify anomalies and implement timely resolutions.
• Utilized NPCIs EFRM system to strengthen UPI fraud monitoring, enabling real-time incident reporting.
• Investigated high-chargeback merchant accounts and verified customer claims to reduce false disputes.
• Mitigated chargeback impact by identifying risky transactions and applying preventive credit controls across merchant accounts.
• Achieved 80% accuracy in fraud detection by optimizing transaction monitoring workflows.
• Played a key role in fraud prevention across POS and ECOM platforms, ensuring comprehensive merchant acquiring control.
• Identified high-risk transactions through trend analysis and implemented rule adjustments to strengthen fraud controls.
• Identified merchants with 100% working capital usage (KYC match), verified payer and merchant details, and recommended terminal deactivation or warning letters.
• Oversaw fraud analytics processes, ensuring Fraud-to-Sale ratios stayed within regulatory and internal benchmarks.
• Conducted in-depth reviews of high-risk ATS transactions, safeguarding assets and maintaining regulatory adherence.
• Managed overdraft account activities, ensuring proper usage and minimizing financial exposure.
• Investigated declined transactions to optimize approval processes and prevent revenue leakage.
• Flagged and reviewed transactions with unknown MCCs, mitigating potential errors and fraud exposure.

Executive Trainee - HDFC Bank - Chennai, Tamil Nadu, India

(2022-03 - 2023-03)

• Reviewing and analyzing the Global fraud trends reported in Franchisee Radar reports and taken necessary corrective actions as per latest fraud trends.
• Prepared MIS to critically analyze portfolio performance and composition, enabling early identification of stress points and risk trends.
• Identified cash seeding activities among merchants and recommended such cases to Merchant Relationship Managers for termination or merchant training.
• Develop process documentation for activities carried out by Fraud Prevention Analytics for the UPI merchant portfolio.
• Track the overall count and value of chargebacks raised/received and compare these with average/peak numbers observed in the past to ascertain the reasons for discrepancies.

MBA - Banking Technology - Pondicherry University (2019 - 2021) Puducherry, India

B.Tech - Electronics and communication - Manakula Vinayagar Institute of Technology (2015 - 2019) Puducherry, India