Rinku Yadav

Risk, Compliance, and Financial Crime professional with 5+ years of experience in fraud investigations, transaction monitoring, AML compliance, chargeback operations, internal audit, and risk assessment. Experienced in reviewing suspicious transactions, identifying fraud patterns, conducting investigations, preparing investigation reports, and collaborating with cross-functional stakeholders while ensuring compliance with regulatory requirements and internal policies. Strong analytical skills with advanced Excel knowledge and experience working in fast-paced, policy-driven financial environments.

Associate Consultant - RAM Agarwal & Associates (RAMA) - Mumbai

(2026-01)

• Performed risk assessments and identified control weaknesses.
• Investigated compliance deviations and recommended corrective actions.
• Prepared detailed investigation reports and presented findings to management.
• Worked closely with business stakeholders to improve internal controls and regulatory compliance.
• Conducted internal audits for real estate clients covering financial, operational, sales, procurement, purchase, and stock audit processes.
• Performed purchase audits by reviewing purchase orders, invoices, GRNs, vendor documentation, pricing accuracy, approval workflows, and supporting documents to identify discrepancies and control gaps.
• Handled prepayment bill passing activities including invoice verification, payment processing validation, reconciliation of supporting documents, and ensuring compliance with internal financial controls and approval matrices.
• Performed HR and payroll compliance audits including verification of PF, PT, ESIC, and LWF compliance.
• Reviewed Delegation of Authority (DOA) matrices and identified control gaps and process deviations.
• Prepared detailed MIS reports for accounts, procurement, production, sales, and audit functions.
• Identified audit observations, recommended corrective actions, and monitored closure status with stakeholders.
• Supported risk assessment activities and process improvement initiatives.
• Drafted audit reports and presented findings to management teams.

Assistant Manager – HR & Benefit Administration - SGAS Consultants LLP - Mumbai

(2025-10 - 2026-01)

• Managed payroll processing and employee benefit administration activities.
• Assisted in statutory compliance and HR audit processes.
• Coordinated with internal stakeholders for payroll verification and documentation.
• Supported employee query resolution related to payroll and benefits.
• Ensured timely completion of operational and compliance-related activities.

Senior Process Associate - Tata Consultancy Services (TCS) - Mumbai

(2021-02 - 2025-10)

• Investigated suspicious customer transactions and identified potential fraud risks.
• Performed transaction monitoring and analyzed unusual transaction patterns.
• Conducted detailed investigations and documented findings for audit and compliance purposes.
• Escalated high-risk cases according to internal policies and regulatory requirements.
• Worked within strict SLA timelines while maintaining high investigation quality.
• Collaborated with multiple stakeholders to resolve fraud-related cases.
• Performed root cause analysis to reduce recurring fraud trends.
• Maintained accurate case documentation and investigation records.
• Trained new team members on fraud investigation procedures and compliance standards.

Bachelor of Commerce - Commerce - St. Mira's College for Girls, Pune (2020)

MBA