Denysto D

Results-driven Fraud Analyst and AML / FinCrime professional with 3+ years of hands-on experience in transaction monitoring, fraud investigation, suspicious activity reporting, and KYC / AML compliance within RBI-regulated fintech and neobank environments. Demonstrated expertise in identifying fraud patterns, conducting end-to-end case investigations, implementing preventive controls, and liaising with law enforcement and regulatory bodies. Proficient in MIS reporting, chargeback analysis, and cross-functional collaboration with Compliance, Legal, and Cybercell teams.

MBA-qualified with a proven 90%+ case resolution rate in high-volume, deadline-driven operations — directly aligned with Fraud Analyst, AML Analyst, and Transaction Monitoring roles across fintech, NBFC, and banking environments.

Fraud & Risk Operations Analyst at EPIFI Technology (Fi Money) (2024-09 – 2026-03)

Neobank & Digital Payments Platform

• Conducted end-to-end fraud investigations on suspicious transactions, user profiles, and account activity patterns across a high-volume neobank platform — detecting fraudulent behaviour using transaction monitoring tools, behavioural analytics, and pattern analysis.
• Performed KYC and Customer Due Diligence (CDD) in strict compliance with RBI, AML, and PMLA regulations; identified and escalated high-risk profiles and suspicious activity to Compliance and Legal teams, and where required, to law enforcement and regulatory bodies including Cybercell.
• Implemented preventive controls including account freezes, transaction blocks, and credit restrictions to minimise financial exposure — directly reducing fraud losses on high-risk accounts.
• Managed end-to-end case documentation on the MHA Portal and internal case management systems, maintaining data integrity across all fraud case records and ensuring compliance with regulatory audit requirements.
• Analysed chargeback and dispute data to identify fraud patterns and systemic vulnerabilities; collaborated with partner banks and payment networks to ensure timely resolution and loss recovery.
• Compiled MIS reports and fraud risk dashboards presenting key metrics — fraud rates, pattern trends, and SLA performance — to Fraud, Compliance, and Legal teams to strengthen detection controls.
• Collaborated cross-functionally with Customer Support, Compliance, and Legal stakeholders to streamline fraud resolution workflows, reducing average case cycle times and improving operational SLA adherence.

Operations & Customer Relationship Manager at Orange Health Labs (2022-01 – 2024-06)

• Managed high-volume operational case queues across multiple cities with 80–90% SLA adherence and 90%+ first-contact resolution — demonstrating the multi-case management capacity and attention to detail essential for fraud operations teams.
• Monitored real-time operational dashboards to identify deviations and reporting gaps; coordinated corrective action with multi-stakeholder teams — a skillset directly transferable to real-time transaction monitoring and fraud alert management.
• Maintained high accuracy in customer data verification and transaction status tracking — core data integrity disciplines applicable to fraud case review, MHA Portal management, and audit documentation.
• Awarded Employee of the Month for outstanding performance in a high-pressure, deadline-driven, multi-case operational environment.

Financial Products Sales Associate at Teleperformance (2021-08 – 2021-12)

• Built foundational knowledge of digital financial products, customer risk communication, and compliance-aligned engagement in a regulated financial services environment.

Master of Business Administration in MBA – Loyola Institute of Technology and Science, Anna University (2019 – 2021)

Bachelor of Computer Applications in BCA – Dhanraj Baid Jain College, Madras University (2016 – 2019)