Manish Arya

To leverage my expertise in KYC & AML/CFT compliance, and fraud investigation to ensure robust transaction monitoring, effective risk mitigation, fraud prevention, and dispute management. I aim to contribute to strengthening financial integrity by identifying suspicious activities, preventing financial crimes, and supporting adherence to global regulatory standards.

Onboarding Specialist - Reliance Jio - Gwalior M.P.

(2020-11 - 2022-09)

• Document Verification – Validate authenticity of IDs, proof of address, and financial documents.
• System Checks – Run automated screening tools for sanctions, PEPs, and adverse media.
• Risk Assessment – Apply enhanced due diligence (EDD) for high-risk customers.
• Case Escalation – Flag suspicious onboarding cases to compliance/fraud teams.
• Reporting – Prepare onboarding compliance reports and assist in SAR filings if required.
• Training & Updates – Stay updated on regulatory changes and train staff on new KYC/AML requirements.

(AM) Fraud Investigation Officer - Kotak Mahindra Bank - Noida U.P.

(2022-09 - 2024-09)

• Customer Identification & Verification – Collect and verify government-issued IDs, passport, address, and employment details. Ensure authenticity of documents using reliable sources (databases, utility bills, credit bureaus). Apply risk-based KYC: low, medium, high-risk categorization.
• Screening & Risk Assessment – Screen all customers against sanctions lists (OFAC, RBI, and IND-FIU), PEP databases, and adverse media. Assess risk of fraud or misuse across products (bank accounts, credit cards, loans, insurance policies). Apply Enhanced Due Diligence (EDD) for high-risk customers (PEPs, offshore accounts).
• Transaction & Activity Monitoring – Banking: Detect structuring, layering, or unusual transfers. Credit Cards: Monitor rapid high-value purchases, chargebacks, or cross-border usage. Loans: Track repayment sources, early closures, or suspicious loan purposes. Insurance: Review premium overfunding, early surrenders, or fraudulent claims.
• Fraud Investigation & Escalation – Flag anomalies in monitoring systems and escalate to compliance/fraud teams. Cross-check with internal fraud databases and external intelligence (FIUs, regulators). Conduct customer outreach or interviews when discrepancies arise. Document findings in case management systems for audit trails.
• Regulatory Reporting – File Suspicious Activity Reports (SARs and STR) or Law Enforcement Agencies equivalent with regulators (RBI, FinCEN, AUSTRAC, and FIU-IND). Maintain detailed records for 3–4 years depending on jurisdiction. Notify law enforcement if criminal activity is confirmed.
• Ongoing Monitoring & Feedback – Continue surveillance post-investigation. Update customer risk profiles and re-screen periodically. Share lessons learned with fraud prevention teams. Update internal policies and training based on case findings.

(DM) Senior Risk-Analyst (Fin Crim AML) - Gete-pay - Jaipur

(2026-01 - 2026-05)

• Fraud Prevention: Monitor digital transactions for anomalies and escalate suspicious cases.
• Investigation: Jointly resolve disputes and identify root causes of fraud. Handled a wide range of fraud and dispute cases, including identity theft, ACH fraud, account takeover (ATO), cheque fraud, chargebacks, credit card fraud, and unauthorized transaction fraud.
• Compliance: Align chargeback handling Pre-arbitration, arbitration and risk analysis with AML/CFT, KYC, and digital payment regulations.
• Reporting: Provide consolidated fraud and chargeback metrics to management and coordinated, collaborated, and work closely with cross-functional teams—including others banks, RCU, Nodal, Grievance, I4c, MHA, RBI, and LEA legal departments—to address security threats, prevent fraud, and resolve disputes effectively.
• Customer Trust: Safeguard legitimate customers while minimizing financial and reputational losses.
• People Management: Responsible for driving team performance and productivity, ensuring achievement of operational targets, quality standards, and overall business objectives.

BA - Psychology - Jiwaji University Gwalior (2017 - 2019)

L.L.B. - Law - Jiwaji University Gwalior (2023 - 2026)