Anuj Jain

• Conducted in-depth assessments of business processes to identify operational risk scenarios , ensuring compliance and process improvements.
• Developed and optimized complex scripts using SQL, ACL, and VBA to analyze data, detect anomalies, and assess control effectiveness .
• Conceptualized data-driven risk analysis frameworks , leveraging audit analytics to identify key risk indicators and enhance control monitoring .
• Delivered high-quality audit reports within strict deadlines, ensuring alignment with internal and external audit requirements .
• Built and maintained strong client relationships , leading key stakeholder meetings and providing expert insights on third-party risk management (TPRM) and data analysis .
• Supported vendor risk management , ensuring effective due diligence and compliance with regulatory standards and organizational policies .
• Demonstrated agility and adaptability by integrating new data sources, technologies, and audit methodologies to address evolving business and regulatory challenges .
• Provided data-driven insights for senior management by developing audit analytics dashboards to improve risk visibility and decision-making.

Technical Proficiencies:

• Analytical Tools: Power BI, ACL, Tableau
• Programming & Scripting: SQL, VBA
• Other Tools: PowerPoint, GRC Solutions

• Proficient in developing and refining the Non-Financial Risk Management (NFRM) framework , conducting operational risk assessments , and ensuring alignment with regulatory standards and industry best practices .
• Managed control assessments , performed Test of Design (ToD) and Test of Operating Effectiveness (ToE) , and identified control gaps to enhance risk mitigation.
• Conducted risk assessments and Business Impact Analyses (BIA) to identify vulnerabilities and mitigate potential disruptions.
• Performed Outsourcing Material Assessments , ensuring alignment with risk, data privacy, legal, and security standards.
• Experienced in business process mapping (L1-L3 controls) and assessing processes for control enhancements.
• Facilitated the implementation of Outsourcing Policy across branches and subsidiaries and developed Business Continuity Plans (BCP) in alignment with regulatory requirements.
• Enhanced the Key Risk Indicator (KRI) framework , developing customized KRIs for improved risk monitoring and decision-making.
• Drove Risk and Control Self-Assessment (RCSA) processes, reviewing workflows, conducting walkthrough, and ensuring control substantiation.
• Partnered with 1st Line of Defense (LoD) to identify process gaps and provide structured resolution frameworks.
• Supported operational risk reporting by developing dashboards for ORMC, RMCB, senior management, and CRO , ensuring clear risk visibility.
• Maintained and updated Risk Registers , providing insights into emerging risks and control effectiveness.
• Reviewed and updated RCSA policies and procedures , ensuring compliance with internal and regulatory requirements.
• Monitored business process changes, collaborating with the Risk Management Committee to maintain consistency with the organization's risk framework.

• Managing business risk for credit cards & tracking all sorts of incidents for the credit card business and report to senior management & Group Head.
• Design rules for FICO Falcon to control AFPR, ADR, VDR and implement fraud prevention and detection strategies.
• Evaluating credit card applications both pre & post issuance, assessed creditworthiness, and recommended credit limit adjustments based on risk profiles.
• Monitoring credit card delinquencies and defaults, implementing risk mitigation strategies and reducing default rates.
• Process Automation: Setting up process flow from risk & fraud perspective for new products
• Using data analytics to set up new activities to mitigate financial and operational risk.

• Worked on developing velocity & monitoring rules in the FICO Falcon monitoring system. Along with it worked on CRTRAN & parameterization for VISA network.
• Set up new automated dashboards using analytics for fraud prevention & strategies
• Managed & reduced overall decline transactions within the process.
• Supervise all interdepartmental activities and ensure compliance with RBI
• Create rules or red flag indicators for credit card alerts in the Falcon monitoring system
• Taking care of declined curing shop with maximum process conversion rate
• Periodic analysis of risk rules/scenarios implemented in the monitoring system along with identifying key risk indicators
• Conducted fraud awareness training for employees and customers to promote fraud prevention best practices.
• Project 1: IT Vendors risk profiling (All types of risk)
• Project 2: IT logs retention policy for credit cards

• Fraud Analysis and Dispute Management: Credit Card Frauds & UPI/NB/IB/MB/NEFT/RTGS Disputes
• Account takeover & identity theft fraud investigations across the portfolio of payment business, merchant acquiring, and unsecured loans (Personal Loan & Consumer Durable).
• Screening and sampling of credit card ETB & NTB applications
• Identify potential risks related to fraud, chargebacks, compliance & operational processes
• Interface with Law Enforcement Agencies (MHA Cases), Cyber cell, NPCI & RBI to service customer needs regarding fraud and dispute issues.
• Investigate PD/RBI/BO/Sr Management escalations and resolve them

• Created research-based content for online and in-print platforms and delivered finished content or drafts within the stipulated time frame to generate invigorating social media content.
• Developed content based on the requirement such as different content for technical websites, marketing campaigns, videos & blogs
• Made use of search engine optimization (SEO) strategies to develop engaging content and maximize the traffic on the website