President - Fraud & Risk Management

• Apr 2022 - Present

Building an indigenous and fully comprehensive anti-risk tool to serve a wide range of industries vulnerable to online fraud. Spearheading the design and implementing team and optimize operational strategies for enhanced business solutions. Responsible for multi-sectoral stakeholder management with product and technology teams to achieve desired outcomes. Focus on creating risk strategies for all enterprises and small-scale businesses that have potential fraud scalability, while prioritising product relationship management and revenue assurance. Core competencies include content creation, policy framework development, and regulatory management to achieve comprehensive risk solutions. Show less

Associate Director - Risk

• Sep 2021 - Feb 2022

I have contributed as a primary functional stake holder in RBI payment aggregator license steering committee of Worldline Evaluated new tools and platforms to optimize the process/service line. This includes exploring partnership opportunities, structuring strategic alliances, and keeping a pulse on competitor solutions Identified reputational risk and its root cause & impact. Manages situations that create risk and business continuity issues Served as a consultant for a new pilot, high business opportunities and new channels Design and maintain Key metrics for measuring the efficiency of fraud detection strategies and rules Monitored & maintained the chargeback rate, played an important role to prevent Merchant fraudulent activities and account suspension Conducted web conferences & regular training sessions to the clients on ecommerce safety measures & risk management system operations Show less

Associate Director - Fraud & Risk Management

• Jan 2012 - Sep 2021

As a key stakeholder, I have led the development of robust risk and fraud management tools in APAC and Europe. My experience includes leading various client-oriented fraud and risk management projects, setting up policies for payment gateways, and implementing efficient merchant onboarding and fraud monitoring processes. I have also analysed e-commerce fraud trends, developed mitigation techniques, and created data-driven strategies to analyse evolving fraud patterns. I am responsible for managing a team of fraud analysts and managers, ensuring optimised performance through staff development. Additionally, I am focused on reducing fraud and manual review rates, monitoring chargeback rates, and maintaining strong relationships with all internal and external stakeholders. I prepare fraud MIS and commentary packs for the risk framework, and strive to maintain the balance between customer satisfaction and fraud mitigation. Accountable for appropriate Merchant acceptance, AML/KYC/CFT, Credit underwriting and fraud monitoring policies for Payment gateways Implemented strong and efficient Merchant onboarding & fraud monitoring processes and controls to achieve minimal CTS and FTS Show less

Manager

• Jan 2011 - Dec 2011

Overall responsible for fraud risk management, chargeback management, risk engine creation for Indian Ecommerce marketResponsible to hire, train, lead, and mentoring talented specialist team memberManage a good relationship with all internal / external teams, stake holders, banks & business units to ensure alignment and efficiency of the end-to-end fraud detection and prevention Successful implementation of 24*7 monitoring team and regular review of efficiencyDesign and maintain Key metrics for measuring the efficiency of fraud detection strategies and rulesResponsible for taking / validate the corrective action through detailed investigation of fraud cases and providing the value added suggestions to minimize the risk to businessResponsible to prevent Merchant fraudulent activities and regular screening Show less

Fraud Analyst

• Apr 2009 - Dec 2010

Responsible for L2 manual review and decision makingProviding risk support, transaction support and handling settlement related issuesResponsible for chargeback managementAssisting team members for risk validations

Junior Fraud Analyst

• Jun 2008 - Mar 2009

Responsible to do manual risk validation on the CNP transactions and decision making based on the risk factors Providing transaction related support to the merchants through mail and phone Responsible to meet SLA for manual review and merchant support Responsible to do manual risk validation on the CNP transactions and decision making based on the risk factors Providing transaction related support to the merchants through mail and phone Responsible to meet SLA for manual review and merchant support

Customer care Executive

• Mar 2007 - May 2008