Experience

Transak

• United States
• Financial Services
• 1 - 100 Employee

• Senior Compliance Analyst

  • Dec 2022 - Present

  Bengaluru, Karnataka, India • Investigate and prepare SARs for filing with the NCA and other FIUs; • Responsible for execution of ongoing monitoring process for Anti-Money Laundering(AML) • Investigate complex cases, typologies and transaction alerts for cryptos on blockchain using chainalysis • Conducting risk assessments, periodic/trigger reviews and enhanced due diligence for potentially high-risk client • Supporting the MLRO, BSA Officer and Deputy MLRO with the approval of high risk partner and… Show more • Investigate and prepare SARs for filing with the NCA and other FIUs; • Responsible for execution of ongoing monitoring process for Anti-Money Laundering(AML) • Investigate complex cases, typologies and transaction alerts for cryptos on blockchain using chainalysis • Conducting risk assessments, periodic/trigger reviews and enhanced due diligence for potentially high-risk client • Supporting the MLRO, BSA Officer and Deputy MLRO with the approval of high risk partner and transactions; • Being point of contact and provide compliance assistance to first line analysts in relation to defined processes; • Ensuring other ad-hoc tasks, depending on the development of the regulatory framework and department’s activities;

• Team Lead

  • Jun 2022 - Jan 2023

  Bengaluru, Karnataka, India Transak is a developer integration for a fiat-to-crypto payment gateway. This solves the important problem of allowing mainstream people and businesses to access crypto and blockchain. • Responsible for managing entire transaction monitoring team within risk operations • Working with the compliance & operations team to develop strategy and roadmap for improving our in-house built risk engine for minimizing fraud. • Developed risk metrics to measure current performance for default… Show more Transak is a developer integration for a fiat-to-crypto payment gateway. This solves the important problem of allowing mainstream people and businesses to access crypto and blockchain. • Responsible for managing entire transaction monitoring team within risk operations • Working with the compliance & operations team to develop strategy and roadmap for improving our in-house built risk engine for minimizing fraud. • Developed risk metrics to measure current performance for default rate (fraud loss), chargeback, (CTS/FTS), team performance, risk engine performance. • Timely initiation of follow-up actions including SAR filing to MLRO, targeted review (PEP & sanctions) & EDD process. • Investigating chargeback disputes and taking action according to Visa & Mastercard rules. • Trend analysis on fraud pattern/trends & accordingly develop risk rules & implement within risk engine and sardine (risk tool) to flag these high-risk fraud alerts. • Closely worked on carrying out several high priority investigations related to crypto-transactions payments fraud ( CC-DC , Modulr (Bank transfer (SEPA)) , & internal compliance fraud. • Developed risk ops KPI’s to ensure to track, measure, report, and evaluate team performance. • Coached team members periodically on metrics as well as career aspirations

• Senior Risk Analyst

  • Oct 2021 - Jun 2022

  Bengaluru, Karnataka, India • Daily basis monitoring and reviewing of crypto-transactions, business partner and individual profiles in order to identify unusual and suspicious activity. • Investigating & representing chargeback and taking action according to Visa & Mastercard rules. • Identify and analyze alerts generated by the screening system in order to identify politically related individuals, entities involved in financial crime, as well as sanctioned or terrorism-related entities. • Partner onboarding by… Show more • Daily basis monitoring and reviewing of crypto-transactions, business partner and individual profiles in order to identify unusual and suspicious activity. • Investigating & representing chargeback and taking action according to Visa & Mastercard rules. • Identify and analyze alerts generated by the screening system in order to identify politically related individuals, entities involved in financial crime, as well as sanctioned or terrorism-related entities. • Partner onboarding by conducting KYB’s (Know your Business) for new partners for API integration which help partners to use our crypto onramp services in the Defi space. • Establishing partner's risk ranking depending on partner's bussiness type, ownership and background history. • Comply with rules and regulations, including without limitation, AML and OFAC/Sanctions requirements all internal policies, procedures and guidelines. • Knowledge in AML/KYC, Sanctions, PEPs & Sanctions screening & EDD • Training new & existing team members for updating the knowledge gap and handling the queries.



noon

• Saudi Arabia
• Retail
• 700 & Above Employee

• Risk Analyst

  • Nov 2020 - Oct 2021

  Gurugram, Haryana, India • Detect, analyze and mitigate fraudulent transactions on Noon's ( UAE , KSA & Egypt ) marketplace. • Dealing with fraud and Risk associated with the payment ecosystem . •Investigating accounts / transactions and make decisions regarding their validity based on available tools like SIFT & Cybersource . • Monitoring real time queues and identifying high risk transaction and proactively taking action to improve efficiency and reducing time to new fraud Modus Operandi. • Maintaining… Show more • Detect, analyze and mitigate fraudulent transactions on Noon's ( UAE , KSA & Egypt ) marketplace. • Dealing with fraud and Risk associated with the payment ecosystem . •Investigating accounts / transactions and make decisions regarding their validity based on available tools like SIFT & Cybersource . • Monitoring real time queues and identifying high risk transaction and proactively taking action to improve efficiency and reducing time to new fraud Modus Operandi. • Maintaining Service Level Agreement for optimum customer experience. • Performing analysis on a large dataset to get the trend of defects in the relative performance of payment health on daily basis. • Deep diving, conducting root cause analysis and implementing corrective actions on fraud pattern/trend . Show less



Paytm Payments Bank

• India
• Banking
• 700 & Above Employee

• Fraud and Risk Analyst .

  • Mar 2019 - Oct 2020

  Noida, Uttar Pradesh, India • Investigation of fraud cases involving Paytm bank / Wallet accounts. • Monitoring of transactions / accounts and identification of suspicious activities. • Providing support to all Banks across the nation for real-time fraud cases . • Handling Wallet , Debit/Credit Card , NB & UPI fraud cases reported by Banking Authorities , Law Enforcement Agencies and Customers . • Handling financial fraud i.e ( ATO , DTO ,CTO ,Transfer money fraud , Phishing , Vishing , Sim swap , Identity… Show more • Investigation of fraud cases involving Paytm bank / Wallet accounts. • Monitoring of transactions / accounts and identification of suspicious activities. • Providing support to all Banks across the nation for real-time fraud cases . • Handling Wallet , Debit/Credit Card , NB & UPI fraud cases reported by Banking Authorities , Law Enforcement Agencies and Customers . • Handling financial fraud i.e ( ATO , DTO ,CTO ,Transfer money fraud , Phishing , Vishing , Sim swap , Identity fraud etc. ) & ensuring protection of genuine accounts. • Monitoring of suspicious Paytm wallets / bank account and fraud PG/Wallet/Offline merchant by analyzing the volume of amount/count of the transaction. • Coordinating with merchants regarding risk involved transactions . • Managing all sorts of escalations ( Grievance , Nodal Officer , Banking Ombudsman , RBI , Legal Team etc ) • Preparing Root cause analysis / Investigating report writing . • Ensure confidentiality of all information collected during investigation . • Part of online platform named - STOP BANKING FRAUD / Urgent Fraud ( Paytm ) - with an initiative to prevent the rise of online fraud with the help of LEA & the leading banks in case of real time unauthorized transactions . • knowledge of AML frameworks, OFAC, CDD, EDD, KYC, regulatory compliance along with comprehensive understanding of FATF Recommendations and RBI regulations. Show less