Assistant Manager, Merchant Risk & Settlement at mSwipe (2024-11 – Present)
- Designed and implemented multi-layered transaction screening rules and risk processes for new products to identify and mitigate suspicious activity proactively.
- Spearheaded the daily monitoring and resolution of ~30 high-risk cases across POS, UPI, and Payment Gateway/Bharat QR networks, significantly minimizing turnaround times for held transactions.
- Investigated and neutralized fraudulent and non-business merchant transactions; controlled international card exposure and executed ICA blocking on compromised POS terminals to safeguard revenue.
- Evaluated merchant performance data to segment portfolios based on risk indices and profitability, aligning cross-functional operations with overarching risk strategy.
- Managed transaction oversight and fraud analytics utilizing specialized infrastructure including ODOO FRMS, CheckMOB, and ERP platforms.
Senior Analyst at Yes Bank (2023-06 – 2024-10)
- Successfully managed and audited a high-volume caseload of 150–200 transaction alerts daily, accurately distinguishing genuine patterns from anomalies under tight timelines.
- Investigated debit card, Retail Net Banking (RNB), and merchant transactions via Clari5, developing data-driven rules and logic to catch emerging fraud trends in real time.
- Administered critical account blocking/unblocking protocols across Retail Net Banking (Yes Genie) and the UPI Transaction Processing Hub to preserve account integrity.
- Conducted meticulous audits of account credits and debits to isolate transactional discrepancies, driving swift first-contact resolutions for high-value disputes.
- Led team scheduling and operational staffing to balance workloads effectively and maintain high processing efficiency against daily volume spikes.
Senior Executive / Analyst (AML) at Teleperformance (2022-02 – 2023-06)
- Monitored global transaction flows for strict AML compliance, aligning organizational risk assessments with OFAC, UKHMT, and local regulatory standards.
- Executed end-to-end investigative workflows for suspicious activities; performed Sanctions/PEP screening, adverse media reviews, and complex fraud investigations.
- Headed Enhanced Due Diligence (EDD) lifecycles for designated high-risk clients, escalating critical cases and concluding reviews well within strict client SLAs.
- Handled dedicated portfolio monitoring workflows involving 8–10 comprehensive transaction-monitoring cases daily for a major UK financial services client.
Senior Executive Officer at IDFC First Bank (2021-03 – 2022-02)
- Analyzed emerging risk vectors and fraud trends, acting as the final institutional control checkpoint to systematically block exposures and prevent financial leaks.
- Leveraged an advanced banking tech stack including Falcon (FICO) for financial/non-monetary flow monitoring, VRM for Visa risk mitigation, PRIME for credit card fraud tagging, and DCMS.
- Managed time-sensitive account freezing/unfreezing requests and resolved branch queries within agreed SLAs; maintained strategic liaisons with merchant banks to facilitate prompt payment recoveries.
Executive at IndusInd Bank (2019-03 – 2021-01)
- Supervised Fraud Tele-Calling Unit operations and personally managed high-priority escalations for Wealth and Privy banking segments.
- Enforced strict transaction controls and systematically reported real-time fraud incidents to major networks including MasterCard, Visa, and AmEx.
Executive at Kotak Mahindra Bank (2018-02 – 2019-03)
- Monitored real-time transaction streams to proactively freeze compromised accounts, handling inbound high-value fraud escalations and routing service requests via SIEBEL.
Executive at IndusInd Bank (2014-07 – 2018-02)
- Analyzed Visa/MasterCard/AmEx compromised card notifications; executed swift card replacements and dispute workflows to minimize systematic exposure.
