Rubiya Banu

Fraud Investigation Analyst with 6.5 years of experience in banking and financial services. Experienced in Fraud monitoring and alert review, account takeover (ATO) investigations, payment fraud, chargebacks, and detecting synthetic identity schemes. Strong skills in due diligence, risk assessment, document verification, and end-to-end case management; consistently resolve fraud alerts and support risk decisions to prevent financial loss.

Analyst II - G2 Risk Solutions

(2024-09 - 2025-01)

• Managed the G2 Financial Services Verification process for advertisers from 24 countries, ensuring compliance with regulatory requirements and eligibility criteria for financial services ads.
• Examined documents, data, and other inputs provided by businesses for compliance with Google's standards.
• Collected and Validated business details such as ownership, location, and operational legitimacy and ensured all submitted documentation meets Google's compliance standards such as proof of identity, business legitimacy and address verification.
• Checked against international sanctions lists, watch & Warn lists, and adverse media databases.
• Review for Politically Exposed Persons (PEPs) involvement.
• Leveraged Green-light software to monitor advertising compliance, detect fraudulent activities.
• Identify suspicious behavior on applicant websites, particularly in high-risk regions.
• Analyze potential risks associated with fraudulent activities or non-compliance. Identified discrepancies or red flags during the verification process.
• Ensured adherence to Google's verification policies and standards.
• Conducted thorough investigations and due diligence on applicant domains to assess risk and ensure adherence to Google's advertising policies, facilitating effective risk mitigation strategies.

Senior Analyst - Concentrix Daksh Pvt India Ltd - Bengaluru, Karnataka, India

(2018-04 - 2024-07)

• Analyzed financial transactions and customer account activity to identify suspicious patterns, unusual behavior, and potential fraudulent activity.
• Conducted comprehensive fraud investigations by reviewing transactional data, customer profiles, account history, and supporting evidence to determine fraud risk.
• Performed end-to-end fraud alert reviews for alerts triggered by predefined fraud thresholds across multiple fraud scenarios.
• Investigated fraud types including Account Takeover (ATO), Payment Takeover (PTO), Identity Theft, Credit Card Fraud, Debit Card Fraud, ATO Scams, Payment Fraud.
• Reviewed customer profiles to identify red flags related to core banking, digital payments, account opening, and high-risk transactions, implementing appropriate fraud mitigation measures.
• Investigated whistleblower complaints and fraud cases involving account hijacking, unauthorized transactions, funds transfer returns, Remote Deposit Capture (RDC), ACH transactions, credit card fraud, loan fraud, and Zelle payment fraud.
• Conducted retrospective analysis and ongoing fraud control assessments to identify emerging fraud trends and support improvements in fraud detection strategies.
• Analyzed transaction trends, behavioral patterns, and out-of-pattern activities to determine appropriate actions, including case closure, reimbursement recommendations, customer outreach, or escalation.
• Adjudicated fraud cases by accurately identifying fraud typologies and applying mitigation measures in accordance with organizational policies, regulatory requirements, and standard operating procedures.
• Documented investigation findings, maintained detailed case records, and prepared investigation reports to support audit and compliance requirements.
• Ensured timely resolution of fraud alerts while meeting established service-level agreements (SLAs), quality standards, and regulatory compliance obligations.
• Monitored fraud detection systems, evaluated alert quality, and recommended process improvements to reduce false positives and strengthen fraud prevention controls.
• Maintained strict confidentiality while handling sensitive customer information and ensured adherence to AML, KYC, and financial crime compliance standards.

B.Com - Finance - Banglore University (2012-06 - 2015-06)