Lavanya Gowda

Results-driven Senior Process Analyst with over 5 years of experience in financial operations, transaction processing, and debt management. Proven track record at global firms like Accenture and Bread Financial in streamlining reconciliation, enhancing data accuracy, and maintaining 100% quality compliance. Expert in MS Excel and navigating complex mortgage and insurance workflows.

Senior Process Analyst at Bread Financial (formerly Alliance Data Card Services) (2020-07 – Present)

• Orchestrated comprehensive background verification processes for new accounts, utilizing advanced tools for thorough risk assessments.
• Implemented rigorous KYC procedures to ensure strict compliance with industry regulations, fortifying global risk mitigation efforts.
• Managed fraud investigations with advanced analytics, swiftly identifying risks and optimizing collections to reduce delinquency rates.
• Developed and maintained KPIs for data-driven decision making, showcasing team achievements in detailed SLA reports (Daily utilization, BOD, EOD).
• Lead internal audits to improve operational efficiency and facilitated error discussions to enhance team productivity.
• Conducted training for new joiners, ensuring policy adherence and smooth onboarding.

Exception Processing Associate (Mortgage) at Altisource Business Solution Pvt Ltd (Polyplay Solutions) (2019-07 – 2020-02)

• Maintained various client data and policies, passing endorsements and managing pre-issuance of policies and online projects.
• Executed cash posting on received documents, ensuring premium and renewal data were updated accurately in the client database.
• Performed data mining to provide process upgrades, consistently achieving targets with 100% quality scores.
• Documented all loan activity meticulously and developed written reports related to program operations.

Transaction Processing Associate at Accenture Solutions Private Limited (2016-11 – 2018-10)

• Reconciled agent and policyholder payments against premium-due accounts to maintain financial accuracy.
• Resolved complex queries related to EFTs, cheque issues, defaults, and refunds.
• Managed high-level cash allocations and transfers at both agency and policy levels.
• Facilitated the issuance of debit and credit notes to ensure the integrity of financial ledgers.

Bachelor of Commerce in Finance – St. Claret College (2013 – 2016)

Pre-University Course in Commerce – St. Claret PU College (2011 – 2012)