Supraj. Cb

Senior Fraud Investigation Analyst with 9+ years of experience across ANZ, JPMorgan Chase and Convergys, Specialized in fraud investigations, transaction monitoring, card/check scams, chargebacks, arbitration and dispute resolution. Expertise across AML, KYC/CDD/EDD, SAR/STR narrative writing, OFAC/PEP screening, Reg E/Reg Z and complex fraud typologies. Managed 50+ high-volume alerts/cases daily with 98% QA accuracy, while strengthening fraud controls, reducing false positives and protecting client and institutional assets.

Senior Fraud Dispute Analyst at ANZ Support Services India Pvt. Ltd. (2024-11 – 2025-11)

• Investigated and resolved 50+ Transaction Monitoring alerts daily with 98% QA accuracy and 24-hour TAT, preventing $500K+ in fraud losses and regulatory fines.
• Managed end-to-end Reg E / Reg Z disputes, including provisional credit, investigation and chargeback execution via VROL / Mastercom. Achieved 100% SLA compliance and reduced resolution cycle by 30%.
• Executed CDD / EDD and Customer Risk Assessments, including SoW / SoF verification, with zero audit findings and 95% AML compliance.
• Conducted real-time OFAC, PEP and adverse-media screening using World-Check and LexisNexis WorldCompliance, achieving 98% Watchlist Screening accuracy.
• Coordinated with FIU and Compliance on SAR/STR narratives for structuring, layering, mule accounts and ATO cases. Advised on complex typologies and enhanced detection logic, reducing false positives by 20%.

Fraud Investigation & Prevention Analyst II at JP Morgan Services India Pvt. Ltd. (2017-10 – 2024-10)

• Resolved 40+ online card and check disputes, chargebacks and arbitration claims daily with 95% accuracy under Reg E / Reg Z standards, recovering $300K+ in customer funds annually.
• Investigated complex fraud typologies including Money Mule, Structuring, Layering, SIM-Swap ATO, APP Fraud, Synthetic Identity and first-/second-party fraud, identifying $250K+ in at-risk exposure.
• Managed high-risk profiles including PEPs, UBOs, Trusts, Estates, Business and POA accounts under BSA/AML and KYC protocols, maintaining zero compliance breaches across audits.
• Leveraged Falcon, VROL and LexisNexis Risk Solutions for transaction monitoring and SoW/SoF verification, reducing false positives by 25% through rule tuning and analysis.
• Performed root-cause analysis on fraud trends to strengthen controls and authored SAR/STR narratives supporting FATF reporting with 100% acceptance rate.
• Coached and mentored 5-6 analysts on fraud detection, dispute resolution and AML/KYC best practices, improving team QA scores by 15% and reducing average TAT by 20%.

Senior Specialist II at Convergys India Services Pvt. Ltd. (Concentrix AT&T) (2015-10 – 2017-09)

• Streamlined dispute resolution and billing-fraud investigations using Salesforce CRM to track suspicious activity, exceeding operational targets by 120% while mitigating financial risk.
• Drove sales growth and maintained key agency partnerships through proactive incident reporting and bank-policy alignment, reducing repeat disputes by 18% and securing revenue.

Diploma in ECE in Electronics and Communication Engineering – Adichunchanagiri Institute of Technology (2011 – 2014)

PUC in Computer Science – Jyothy Kendriya Vidyalaya (2009 – 2011)