Summary
Work History
Education
Skills
Overview
Timeline
SeniorSoftwareEngineer
AMAL JASMINE

AMAL JASMINE

Fraud Risk, Credit Risk and Payments Risk Professional
Bangalore

Summary

Financial Crime, Fraud Risk, and Payments Risk professional with 11+ years of experience across PayPal and Amazon, supporting global payment ecosystems through merchant risk, fraud investigations, operational risk, compliance governance, and documentation management.

Experienced in merchant onboarding, fraud prevention, transaction risk assessment, SOP governance, stakeholder engagement, investigator enablement, and operational excellence initiatives supporting multiple international markets.

Strong understanding of payment operations, merchant acquiring, fraud controls, financial crime operations, audit readiness, and regulatory documentation within global financial services environments.

Work History

Project Manager

PayPal
2025.04 - Current
  • Successfully managed multiple projects simultaneously by prioritizing tasks according to urgency, resource availability, and alignment with organizational goals.
  • Identified plans and resources required to meet project goals and objectives.
  • Monitored project performance to identify areas of improvement and make adjustments.
  • Established effective communication among team members for enhanced collaboration and successful project completion.
  • Collaborated closely with senior management to align project objectives with strategic company initiatives, ensuring that efforts contributed to overall business growth.
  • Managed risk assessments and implemented mitigation strategies to minimize potential issues during project execution.
  • Coordinated with cross-functional teams to resolve project issues and mitigate risks.
  • Developed comprehensive project plans with clear timelines, milestones, and budget requirements, ensuring timely delivery of high-quality results.

Risk Analyst

PayPal
2021.11 - 2025.03
  • Developed and implemented comprehensive training programs for Credit Risk Underwriting teams, driving operational excellence and skill enhancement.
  • Managed end-to-end onboarding processes, including training coordination, LMS integration, WorkRamp loading, stakeholder engagement, and scheduling expert sessions.
  • Facilitated feedback loops and leadership handoff meetings to ensure knowledge retention, continuous improvement, and alignment with strategic objectives.
  • Prepared detailed training artifacts for audits and compliance reviews, ensuring documentation accuracy and readiness.
  • Represented training initiatives in strategic forums, aligning learning objectives with business goals to foster a culture of continuous development.
  • Designed, created, and optimized SOPs and policy documents in collaboration with cross-functional teams, ensuring clarity, consistency, and adherence.
  • Conducted quality assurance checks on guidance materials, maintaining high standards of accuracy, usability, and instructional design.
  • Performed daily case audits to uphold compliance, quality, and risk mitigation standards, enhancing merchant experience and operational integrity.
  • Contributed to a best practice repository by identifying effective and ineffective review patterns for targeted training.
  • Analyzed audit data to identify behavioral trends and system issues, supporting root cause analysis and process enhancements.
  • Provided strategic insights and recommendations to improve review processes and operational workflows, enhancing efficiency and compliance.
  • Supported quality initiatives and completed ad hoc projects under the guidance of the Quality Program Manager, driving continuous improvement.

Merchant Risk Consultant Onboarding and Monitoring

PayPal
2019.04 - 2021.11
  • Performed comprehensive end-to-end risk assessments of business seller accounts using multiple workflows, including case analysis, email correspondence, phone interactions, and internal reviews.
  • Executed holistic reviews evaluating merchant identity, intent, business model, financial stability, and behavioural patterns throughout the full merchant life cycle.
  • Maintained a balanced approach between risk mitigation and merchant experience, making informed decisions to support merchant success and business retention.
  • Acted as a trusted advisor and subject matter expert, educating merchants on compliance expectations and risk-related best practices.
  • Identified and monitored emerging risk signals and growth opportunities within merchant accounts, ensuring proactive fraud detection and business alignment.
  • Developed and articulated the 'merchant story' in documentation to provide context-driven insights for stakeholders and compliance teams.
  • Maintained awareness of industry-specific risk factors, global economic shifts, and organisational process alignment to enhance review accuracy and policy compliance.

Fraud & Risk Investigation Specialist

Amazon Private Limited
2016.07 - 2018.07
  • Conducted comprehensive due diligence on online transactions to detect and mitigate fraudulent activities, safeguarding transaction integrity.
  • Enforced strict adherence to internal fraud prevention protocols and compliance standards, optimizing dispute resolution and chargeback management.
  • Collaborated cross-functionally with customer support and investigation teams to resolve escalated cases efficiently, and enhance customer satisfaction.
  • Investigated and documented potential fraud incidents, gathering supporting evidence for legal action, and risk mitigation.
  • Maintained compliance with quality standards and audit requirements, ensuring operational excellence, and regulatory adherence.
  • Monitored team productivity and key risk metrics to consistently meet and exceed performance targets.
  • Trained new hires through hands-on guidance, elevating team expertise in risk assessment and transaction monitoring.
  • Served as a Subject Matter Expert (SME), providing expert support for complex fraud scenarios, and standardizing investigative procedures.

Financial Services

Altisource Business Solutions
2014.02 - 2015.07
  • Facilitated communication between clients and internal departments for seamless coordination of financial services.
  • Improved client satisfaction by providing high-quality financial services and addressing inquiries promptly.

Customer Service Representative

Accenture
2013.07 - 2013.12
  • Internship
  • Resolved customer complaints with empathy, resulting in increased loyalty and repeat business.
  • Managed high-stress situations effectively, maintaining professionalism under pressure while resolving disputes or conflicts.
  • Enhanced customer satisfaction by promptly addressing concerns and providing accurate information.

Education

Post Graduate Diploma in Management - Finance

ISBR Business School
Bangalore
01.2025

MBA in Digital Marketing -

Aventis School Of Management
Singapore
01.2023

Bachelor of Commerce - Marketing

Baldwin's Women's Methodist College
Bangalore
01.2013

Skills

Risk Assessment and Analysis

Stakeholder Communication

Trainer and Quality Analyst

Compliance and Fraud Risk Investigation

Transaction Monitoring

Team Leadership

Overview

5
5
Languages
12
12
years of professional experience

Timeline

Project Manager

PayPal
2025.04 - Current

Risk Analyst

PayPal
2021.11 - 2025.03

Merchant Risk Consultant Onboarding and Monitoring

PayPal
2019.04 - 2021.11

Fraud & Risk Investigation Specialist

Amazon Private Limited
2016.07 - 2018.07

Financial Services

Altisource Business Solutions
2014.02 - 2015.07

Customer Service Representative

Accenture
2013.07 - 2013.12

Post Graduate Diploma in Management - Finance

ISBR Business School

MBA in Digital Marketing -

Aventis School Of Management

Bachelor of Commerce - Marketing

Baldwin's Women's Methodist College

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AMAL JASMINEFraud Risk, Credit Risk and Payments Risk Professional