Saravanan R

Skilled 9+ years of experience in Fraud analyst and Data analytics in risk assessment with financial crime prevention. Expertise in international transactions fraud monitoring, advanced analytics, rule enhancements, and predictive modelling to enhance fraud detection strategies.

Experience in Fraud control, Data analysis, Reports, Payment gateway, Regulatory ACT and Compliance.

Senior fraud analyst at Aziro technologies (2025-03 – Present)

Bakkt customers booking flights, hotels, gift cards, apple products and etc., by using Bakkt loyalty points and international bank cards through Bakkt website.

• Observe customer international transactions to identify fraudulent activity such as account take over, E-commerce fraud, Chargeback fraud, BIN attack, Card theft fraud and similar other risks.
• Monitor and analyse international payment transactions in real-time to detect unusual patterns, high-risk behaviour, or suspicious activities by using Payment gateway tools, SQL, Python.
• Identify fraudulent transactions and cancel them from further processing the order.
• Resolve queued transactions within the service level agreements to reduce potential revenue losses.
• Determine existing fraud trends by analysing accounts and transaction patterns.
• Identify system improvements and design fraud control strategy to prevent fraudulent activities.
• Assist in identifying process improvement opportunities and methods for streamlining processes.

Lead Analyst at Lycatech services (2021-09 – 2024-12)

Monitor real time online Lycamobile recharge, flight booking, money transfer, eshop lyca websites transactions queues and identify high risk transactions.

• Monitor real time online Lycamobile recharge, flight booking, money transfer, eshop lyca websites transactions queues and identify high risk transactions.
• Assess the risk level of flagged transactions, analysing various indicators such as transaction amount, location, user behaviour to determine potential fraud by using Payment gateway tools.
• Conduct detailed investigations into suspicious activity, gathering relevant information.
• Prepare reports on fraud trends, mitigation efforts, chargeback, refund & financial impact.
• Document findings, incidents, and actions taken in response to fraud alerts, maintaining detailed records for regulatory compliance.
• Identify gaps in existing processes and recommend improvements to enhance fraud detection.
• Process improvements in data collection, analysis and produce reports, dashboards, and visualizations for stakeholders to ensuring insights are accessible and relevant.

Fraud Analyst at HDB financial services (HDFC Bank) (2015-12 – 2021-09)

Monitoring real time Hdfc bank online and swipe transactions based on the authentication as well as authorization levels to prevent and detect frauds.

• Monitoring real time Hdfc bank online and swipe transactions based on the authentication as well as authorization levels to prevent and detect frauds.
• To analyse and study in detail the pattern of frauds and recommend new tools, technique for fraud prevention and detection.
• Highlight the suspicious fraud transactions and create SAR to concern team.
• Observe high risk card present and card not present transactions and identify fraudulent activities such as online fraud, counterfeit, chargeback, card theft, account takeover fraud and others.
• Block and unblock the card, merchant id, device id based on the investigation report.
• Review AML/KYC regularities based on the customer profile and monitor international travel plans.

B.E in Mechanical – Oxford Engineering College, Trichy (2014)

HSC – S.S.A.H.S School, Thirukkattuppalli (2010)

SSLC – Govt. High School, Varagur (2008)