Yamini P

Payment Investigation Analyst with over 2 years of experience in payment investigations, transaction reconciliation, and financial operations. Experienced in investigating payment exceptions, resolving transaction discrepancies, processing refunds and chargebacks, and ensuring compliance with banking regulations and service level agreements (SLAs). Strong analytical and problem-solving skills with a proven ability to work in fast-paced, high-volume payment environments while maintaining accuracy and quality.

Reconciliation

(2025-01)

• Performed daily/monthly reconciliation of financial accounts, ensuring accuracy and compliance with internal controls and regulatory standards.
• Identified and resolved reconciliation breaks by coordinating with operations, finance, and client teams within defined SLAs.
• Maintained detailed reconciliation records and generated exception reports for management review.
• Booked and validated client trades accurately in internal trading systems in accordance with client instructions.

Fraud Investigation

(2024-01 - 2025-01)

• Investigated and analyzed suspicious financial transactions to identify fraudulent patterns, anomalies, and irregularities across multiple accounts.
• Performed end-to-end fraud investigations, including case management, evidence collection, root cause analysis, and escalation of high-risk cases to relevant stakeholders.
• Collaborated with cross-functional teams to assess fraud risks, support investigations, and recommend effective corrective and preventive actions.
• Monitored transaction activity using fraud detection and risk monitoring tools to identify high-risk behavior while improving detection accuracy and minimizing false positives.
• Worked closely with Compliance, AML, Sanctions Screening, Operations teams to resolve payment exceptions.
• Investigated incoming and outgoing SWIFT payment transactions (MT103, MT202, MT199, MT192) to resolve payment exceptions and customer queries.

Bachelor of Commerce - Justice Basheer Ahmed Syeed college for women (2021-01 - 2024-01)