Aakheela Banu S A
Bengaluru
Summary
Analytical and strategic Risk Operations Analyst known for productivity and efficiency in task completion. Possess specialized skills in risk assessment, regulatory compliance, and data analysis. Excel in critical thinking, problem-solving, and adaptability, ensuring optimal decision-making in high-stakes environments.
Overview
17
17
years of professional experience
1
1
Certification
Work History
Risk Operations Analyst
PayPal India Pvt Ltd
Bengaluru
09.2019 - 05.2023
- Investigated AML and fraud alerts; escalated suspicious activity to ensure compliance with global regulatory standards.
- Deployed real-time risk rules and models, reducing chargebacks by 27.5% and fraud losses by 53%.
- Delivered operational QA training that increased compliance review accuracy by 20%.
- Reduced missed fraud cases by 30% through root cause analysis and process improvements.
- Supported the development of risk scenarios for transaction monitoring.
Credit Risk Analyst - Mortgages
Concentrix Daksh
Bengaluru
02.2017 - 09.2019
- Company Overview: Westpac Project
- Conducted credit and operational risk assessments on mortgage applications.
- Implemented early-warning triggers, decreasing non-performing loans by 15%.
- Ensured 100% compliance with APRA and ASIC regulations across all reviewed portfolios.
- Automated audit checklists and review dashboards, improving processing time by 35%.
- Westpac Project
Mortgage Risk Liaison
IBM Daksh
Bengaluru
12.2008 - 02.2011
- Company Overview: St. George Bank Project
- Supported mortgage operations by identifying and escalating potential credit risks.
- Built automated reporting tools to reduce turnaround time by 45%.
- Detected process gaps and assisted in implementing solutions that reduced exposure by $2M.
- Collaborated with audit and compliance teams to enhance control documentation.
- St. George Bank Project
Customer Service Associate
24/7 Customer & Spice Telecom
04.2006 - 09.2008
- Handled customer verification and account access requests.
- Mentored new associates on identifying red flags and procedural compliance.
Education
Bachelor of Commerce -
Bangalore University
Bangalore, IndiaSkills
- AML Investigations & Transaction Monitoring
- Fraud Detection & Loss Mitigation
- Operational Risk & Internal Controls
- Enterprise Risk Management (ERM)
- Compliance & Regulatory Reporting (SOX, APRA, FATF)
- Customer Due Diligence (CDD/EDD)
- Risk Analysis & Predictive Modeling
- GRC (Governance, Risk & Compliance) Tools
- Data Analytics & Dashboard Reporting
- Stakeholder Collaboration & Risk Reporting
Career Breaks
- 03/2011 to 12/16 : Married moved to UAE. Focused on family and upskilled in areas such as Underwriter, Mortgage Refinancing.
- 06/23 to Present : Met with an accident and was on rest for 7 months. Focused on family and upskilled in areas such as AML, financial crime compliance, and operational risk through self-study and certifications.
Certification
- 14 AML/ CFT Training Session (50 hours), reference N UM-3773CGT
Languages
Hindi
First Language
English
Upper Intermediate (B2)
B2
References
References available upon request.
Timeline
Risk Operations Analyst
PayPal India Pvt Ltd
09.2019 - 05.2023
Credit Risk Analyst - Mortgages
Concentrix Daksh
02.2017 - 09.2019
Mortgage Risk Liaison
IBM Daksh
12.2008 - 02.2011
Customer Service Associate
24/7 Customer & Spice Telecom
04.2006 - 09.2008
Bachelor of Commerce -
Bangalore University
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