G. Sandhya Rani

Fraud & Disputes Analyst with 4.5 years of experience detecting, investigating, and resolving fraudulent and disputed payment activity across high-volume transaction environments, supporting card programs for clients including American Express, JPMorgan Chase, and Wells Fargo. Manages a caseload of 60+ transactions daily while sustaining an SLA compliance rate of 95-100%. Skilled in real-time transaction monitoring, fraud pattern and anomaly detection, chargeback and dispute investigation, and audit-ready case documentation.

Recognized Subject Matter

Expert and multi-year top performer known for accuracy, analytical rigor, and driving fraud-prevention process improvements.

Fraud & Disputes Analyst - RealPage

(2022-02)

Investigate suspected fraudulent transactions and disputed payment claims for major card-issuer clients including American Express, JPMorgan Chase, and Wells Fargo, applying analytical techniques to determine validity and assign case outcomes within SLA.

• Manage a high-volume caseload of 60+ fraud and dispute cases per day while sustaining an SLA compliance rate of 95-100%, accuracy, and quality standards under time pressure.
• Monitor transactions in real time to detect anomalies and fraud indicators, escalating high-risk and suspicious activity for further investigation.
• Identify account takeover (ATO) attempts and use of stolen identity or payment information by analyzing login behavior, device data, and transaction patterns.
• Analyze fraud and chargeback cases involving unauthorized transactions, duplicate payments, billing disputes, and friendly fraud, using transaction history and supporting documentation to substantiate findings.
• Process and track disputes through Visa/Mastercard dispute portals (Verifi, Ethoca), ensuring accurate case routing and timely resolution.
• Review account activity, payment records, and behavioral patterns using Power BI/Tableau dashboards to identify emerging fraud trends and recommend risk-mitigation measures.
• Partner with Payments, Risk, Operations, and Finance teams to gather evidence, validate findings, and strengthen fraud-prevention controls.
• Maintain detailed, audit-ready investigation records and case documentation in accordance with company policy and compliance standards.
• Utilize Microsoft Dynamics NAV / Business Central to log investigations, track case status, and support audit trails.
• Serve as Subject Matter Expert (SME), training and guiding team members on fraud investigation and dispute-handling best practices.

Bachelor of Science - Computer Science - Osmania University (2018 - 2020)

Secondary Education (2015 - 2018)