Pune/Pimpri-Chinchwad Area
With over 11 years of dedicated experience in banking and financial services, I specialize in mitigating risk, uncovering fraudulent activity, and ensuring regulatory compliance across cards and payment networks. Currently serving as a Senior Fraud Analyst at Citi, my expertise spans the entire lifecycle of financial crime detection and dispute resolution. Throughout my career, I have developed a sharp eye for identifying complex fraud patterns and executing end-to-end Suspicious Activity Report (SAR) investigations. I thrive in fast-paced environments where data-driven transaction monitoring meets decisive risk and control management. Core Expertise: Fraud & Dispute Resolution: Specializing in credit/debit card fraud, chargebacks, and payment network rules. Financial Crime Investigation: Experienced in conducting deep-dive analysis and filing high-quality SARs. Transaction Monitoring: Utilizing advanced monitoring tools to detect and prevent real-time fraudulent transactions. Risk & Control: Implementing robust control frameworks to minimize financial and reputational exposure. I am passionate about staying ahead of evolving fraud trends and protecting both the institution and its customers from emerging financial threats.
As a Senior Fraud Analyst at Citi, Lead complex financial crime investigations and mitigate fraud risk across credit/debit card portfolios and payment networks. Key Responsibilities: Fraud Investigation: Oversee and execute deep-dive investigations into sophisticated card fraud schemes and identity theft, identifying root causes to prevent future exposures. Transaction Monitoring & Analysis: Monitor real-time, high-volume transactional data utilizing advanced fraud detection systems to intercept anomalous patterns and minimize immediate losses. SAR Filing & Compliance: Conduct end-to-end forensic analysis of high-risk accounts, authoring and submitting comprehensive Suspicious Activity Reports (SARs) in strict accordance with regulatory timelines. Risk & Control: Evaluate existing control frameworks, collaborating with cross-functional risk teams to close operational loopholes and ensure unwavering compliance with federal and international financial regulations.
Specialized Senior Associate managing credit and debit card dispute lifecycles, financial ledger reconciliation, and complex fraud escalations. Spearheaded the resolution of escalated card disputes, analyzing high-risk cases to determine chargeback validity. Managed the complete representment phase, compiling merchant evidence to defend or overturn financial liabilities. Oversaw daily general ledger reconciliations to ensure all card dispute entries, chargebacks, and provisional credits balanced accurately. Investigated sophisticated transaction patterns to detect fraud vectors and protect payment ecosystem integrity.