Hemant Kumar

Results-driven Financial Crime Analyst with around 4 years of hands-on experience in fraud operations, AML compliance, chargeback investigations, and scam detection across regulated fintech and e-commerce environments. Proven ability to identify complex fraud typologies — including account takeover (ATO), social engineering scams, mule network activity, and card-not-present fraud — while ensuring adherence to VISA/Mastercard scheme regulations, AML/CFT frameworks, and internal risk policies.

Experienced Subject Matter

Expert (SME) with a track record of mentoring agents, driving quality improvement, and supporting cross-functional compliance teams.

Support Specialist – Back-Office Fraud Operations - Revolut

(2025-07)

Fintech / Digital Banking

• Investigate fraudulent and suspicious transactions end-to-end — card payment fraud, credit abuse, high-risk alerts, and scam-related cases (purchase, impersonation, loan scams) — ensuring timely resolution and regulatory compliance.
• Conduct thorough AML reviews aligned with internal AML/CFT frameworks; identify and document fraud typologies including ATO, mule account activity, and social engineering schemes.
• Prepare and file Suspicious Activity Reports (SARs) ensuring accuracy, completeness, and adherence to submission timelines.
• Handle chargeback and dispute cases per VISA, Mastercard, and Multibanco scheme regulations; perform evidence review, merchant communication, and outcome determination.
• Conduct structured one-on-one coaching and P20 performance improvement sessions for underperforming agents, resulting in measurable quality and productivity gains.
• Facilitate onboarding and shadow sessions for new joiners, guiding them through case-handling procedures, tools, and compliance expectations.
• Collaborate cross-functionally with stakeholders on escalations, risk flags, and process refinements while maintaining strict data security standards.

Fraud & Compliance Analyst – Concession Abuse Prevention - Amazon

(2022-08 - 2025-07)

E-commerce / Retail

• Performed Enhanced Due Diligence (EDD) and in-depth financial crime assessments — document verification, CDD review, and compliance validation against global regulatory frameworks.
• Managed complex alert queues, triaging and escalating AML, fraud, and terrorist financing cases to senior analysts and law enforcement as appropriate.
• Liaised directly with law enforcement agencies in the US, UK, and Canada to verify reports, provide transactional evidence, and support active investigations.
• Handled chargeback and concession abuse cases end-to-end, applying card scheme regulations to deliver accurate and defensible outcomes.
• Maintained weekly KPI dashboards in MS Excel tracking productivity, quality scores, accuracy rates, and SLA adherence for team-level reporting.
• Acted as Subject Matter Expert (SME) across three batches, leading knowledge-transfer sessions, calibration meetings, and quality audits to maintain operational consistency.
• Collaborated with risk, compliance, and operations teams to streamline workflows and reduce false-positive rates.

Bachelor of Commerce (Hons) - University of Delhi (2025)

Higher Senior Secondary (Class XII) - Kendriya Vidyalaya, Keshav Puram (2022)