Ramya

Results-driven Fraud & AML Analyst with hands-on experience in 360-degree fraud reviews, transaction monitoring, KYC/AML compliance, and Suspicious Activity Report (SAR) filing. Proven expertise in conducting end-to-end alert investigations across fraud typologies including ATO (Account Takeover), PTO, TOA, ID Theft, ATO Scam, and FirstParty Fraud. Skilled in analyzing financial transaction patterns, detecting P2P, ACH, wire, and check fraud red flags, and adjudicating fraud types per BSA/AML policies and procedures.

Experienced in liaising with internal and external counterparts to drive alert reviews from generation through SAR filing. Adept at applying Lexis Nexis, due diligence frameworks, and Global KYC standards to mitigate financial crime risk.

Associate Analyst – AML & Fraud Operations - Wipro - Hyderabad, India

(2025-02)

• Perform 360-degree fraud reviews on alerts triggered by threshold violations across fraud types including ATO, PTO, ID Theft, and First Party Fraud, ensuring comprehensive customer profile analysis.
• Conduct in-depth fraud investigations by gathering evidence, analyzing account activity, and identifying suspicious patterns across financial transactions.
• Analyze high-volume transaction data using SQL to detect unusual activity, credential stuffing attempts, and bot-driven anomalies across millions of records.
• Execute end-to-end alert reviews from fraud alert generation through adjudication, applying relevant mitigation steps per policies and procedures.
• Maintain 98% quality score through meticulous, policy-compliant case reviews aligned with BSA/AML standards and regulatory requirements.
• Collaborate with internal counterparts to assess fraud trends, perform root-cause analysis on detection errors, and modify detection logic to reduce false positives.
• Analyze data trends and out-of-pattern activities to determine appropriate case disposition: closure, reimbursement, escalation, or SAR filing.
• Consistently exceed SLA timelines and productivity targets by efficiently prioritizing workloads and managing case queues.
• Participate in continuous training on evolving fraud patterns, regulatory policies, and updated Standard Operating Procedures (SOPs).
• Contributed to $250K+ monthly fraud loss mitigation through data-driven detection rules and optimized review processes.

Bachelor of Technology - Computer Science - Narsaraopeta Institute of Technology (2019 - 2023)

Intermediate - MPC - Bhavana junior college (2017 - 2019)