Viraj Viraj

Fraud & Dispute Analyst with 2 years of experience at Genpact specializing in financial crime investigations, fraud detection, and end-to-end dispute resolution across Visa, Mastercard, STAR, and PULSE networks. Experienced in conducting detailed investigations of complex fraud and non-fraud cases, analyzing transaction patterns, reviewing customer and merchant information, and identifying suspicious activity to determine appropriate outcomes. Skilled in handling escalated disputes and complaints, applying scheme rules and internal policies, documenting investigation findings, and supporting effective fraud prevention controls.

Strong investigative mindset with excellent attention to detail, risk awareness, and a customer-focused approach to resolving complex cases while protecting customers and financial institutions.

Fraud Analyst at Genpact (2024-10 – Present)

• Conducted end-to-end investigations of complex fraud and dispute cases, identifying suspicious transaction patterns and potential financial crime risks.
• Investigated fraud across Visa, Mastercard, STAR, and PULSE payment networks while following applicable scheme rules and internal procedures.
• Performed deep-dive transaction analysis by reviewing customer activity, transaction history, merchant information, authorization details, and supporting evidence.
• Managed escalated fraud cases and customer disputes, ensuring accurate investigation, documentation, and timely resolution.
• Investigated multiple fraud categories as well as non-fraud disputes, determining liability and appropriate case outcomes based on available evidence.
• Reviewed customer complaints and disputed transactions to identify potential fraud indicators, unusual activity, and recurring risk patterns.
• Applied strong analytical and investigative judgment when assessing complex cases and determining whether transactions were fraudulent, legitimate, or disputed for other reasons.
• Prepared clear and accurate case notes and investigation findings, maintaining complete documentation for audit and quality requirements.
• Followed card-network regulations, dispute guidelines, internal controls, and compliance procedures while processing fraud and dispute cases.
• Identified recurring fraud trends and case patterns, supporting fraud prevention and control improvement initiatives.
• Worked with internal teams to resolve complex and escalated cases while maintaining a customer-focused approach.
• Consistently maintained high levels of accuracy, productivity, quality, and attention to detail while handling sensitive financial information.
• Assessed high-risk transactions and customer activity to identify potential indicators of fraudulent behaviour and financial crime.
• Conducted detailed case-by-case risk assessments using transaction data, customer information, and historical account activity.
• Reviewed unusual transaction behaviour and established links between transaction patterns, customer activity, and potential fraud scenarios.
• Handled complex and sensitive customer cases requiring detailed investigation and sound decision-making.
• Evaluated supporting documentation and evidence to establish the validity of disputed transactions and customer claims.
• Performed root-cause analysis on fraud cases to understand how and why fraudulent transactions occurred.

10th

12th

Bcom (Hons) in Commerce