Sunil Yadav

Chargeback in Visa and Master Card | Chargeback in Pharma | O2C | Annuity | Claims Processing | Banking Domain | Life Science Domain | Insurance Domain | Manual Testing |

Kolkata, West Bengal, India

About

- Worked as Claims examiner in claims team - Pharmaceutical Industry in Dispute of Membership and Pricing, Credit and rebill. - Experience in Card Industry in Dispute and Fraud. Skilled in SAP software, AS400, Mainframe, Vistex, DRC, Vantage, AWD, ECS I am very keen to learn and would love to gain experience in Card Operation/AML/Insurance/KYC. As a team player, disciplined and focused towards my work always bring me as a outstanding team member.

Experience

  • Tata Consultancy Services (3 yrs 5 mos)
    • Processing Associate
      Mar 2025 - Present · 1 yr 4 mos

      Processed and validated 50+ insurance claims daily with 99% accuracy, ensuring compliance with policy guidelines and reducing turnaround time by 20% Performed detailed document verification, research, and analysis to ensure claim authenticity, accuracy, and completeness Verified mandatory and critical fields in claimant and nominee statements in accordance with regulatory and internal compliance standards Evaluated policy coverage, benefits, and riders to ensure accurate claim adjudication and payout eligibility Coordinated with customers/nominees to obtain missing or incomplete documentation, ensuring seamless and timely claim processing Executed claims data entry (PA processing) after thorough validation of all required documents for death claim settlement Maintained strict adherence to SLA timelines, quality benchmarks, and compliance requirements across all claim handling activities Identified process gaps and supported continuous improvement to enhance efficiency and reduce errors

    • Senior Associate
      Feb 2023 - Present · 3 yrs 5 mos

      work as claims examiner where need to validate, research and analyse the documents of policy holder. need to verify all the mandatory and critical fields of claimant statement of nominee. need to cross check all the other benefits of the policy and rider as well. If any required documents missing then communicate with nominee for that particular documents. Keyed the PA once we have all required documents to process the death policy.

    • Accounts Payable Associate
      Feb 2023 - Mar 2025 · 2 yrs 2 mos

      PO, Non-PO and Credit Note Invoice Validation. Invoices Validation with Two/Three Way Matching. Supplier & Statement Validation. Performed vendor query resolution through email and internal coordination. Experience in GRN matching, duplicate invoice check, and payment verification. Prepared monthly revalidation report to support accurate financial tracking. Compiled daily and monthly error log to identify discrepancies and enhance reporting accuracy. Preparing Daily Production Report. Assisted in preparing the TCS internal activity report by gathering necessary data.

  • Management Trainee -Chargeback Analyst at Genpact
    Apr 2021 - Feb 2023 · 1 yr 11 mos

    - worked as a chargeback analyst for American supplier in pharmacy industry - handling a set of supplier and taking care of their issues - research and review of pricing and membership documents of customer - if any documents is missing or unable to find in system then reach out to internal team or directly asking from supplier over an email - attend monthly supplier call if issues was not resolved

  • FIS (Gurugram, Haryana, India)
    • Chargeback Associate
      Jan 2019 - Apr 2021 · 2 yrs 4 mos

      -Worked as Chargeback Associate for American Bank for card industry and handling back office operations of dispute queue under chargeback operations. -We work on the debit and credit card transactions which are disputed by customer. After the claim get set up then we are processing chargebacks as per the Visa or MasterCard guidelines. -Overall responsibility for the day to day operations and reporting periodically to the Team Leader.

    • Associate
      Jan 2019 - Apr 2021 · 2 yrs 4 mos

      Reviewed and processed 52+ chargeback claims daily in compliance with Visa & MasterCard guidelines, ensuring 99% accuracy and SLA adherence Receive and investigate customer complaints regarding unauthorized or incorrect transactions Categorize the dispute (e.g., fraud, goods not received, duplicate charge). Collect necessary information from customers, merchants, or internal systems Initiate chargebacks on behalf of customers to card networks (Visa, MasterCard) Analyze root causes for disputes to reduce future cases Knowledge of Visa/MasterCard Guidelines

  • Fraud Analyst at Genpact India Private Limited
    Jan 2019 - Apr 2021 · 2 yrs 4 mos

    Reviewed and validated chargeback claims to ensure alignment with approved contracts, pricing agreements, and GPO compliance Matched sales data with contract eligibility (customer, product, pricing) to ensure accurate chargeback processing Ensured accuracy and completeness of chargeback data including NDCs, contract numbers, and pricing details Performed reconciliation of discrepancies between submitted chargebacks and internal system records, improving data accuracy Collaborated with contracts, sales, legal, wholesalers, and distributors to resolve chargeback disputes efficiently Coordinated with the contracts team to validate chargeback eligibility and ensure adherence to contractual terms Monitored contract pricing, expiration dates, and customer eligibility lists (rosters) to maintain compliance Ensured all chargebacks were processed in line with GPO agreements, compliance standards, and SLA timelines Enhanced supplier experience by maintaining accurate chargeback administration and resolving queries proactively