Anuj Mayekar

Working for "Stripe" (Client) from December 2022.

• Part of the inception when Stripe process came to Cognizant.
• Working on credit risk space of Stripe with different type of reviews periodic review, merchant underwriting, MATCH, VMAS,
• Working on fraud risk space including fraud investigation, fraud prevention reviews, transaction monitoring, card testing reviews.
• Providing training to the new joiners, conducting refresher session on current credit & fraud reviews as per global situations.
• Part of internal QC & Stripe QA work to achieve 100% quality in reviews, have suggested some process improvement to Stripe to mitigate credit & fraud risk.
• Streamlined communication within the team, leading to better project coordination and timely completion of tasks.
• Analyzed and interpreted financial data to inform business decisions.

• Underwriting applications Merchant Acquiring business (POS and E-Commerce business) Working as Underwriter for First Data Merchant services for EMEA Region
• Reviewing Experian report to determine the credit history & credibility of the merchants
• Reviewing the MasterCard & Visa On line to predominately MATCH the terminated Fraud/ Collusive merchant file
• Analyze a variety of supplementary information and data contained in the merchant application e.g
• Acquirer statements,Experian Report
• Providing the correct Merchant Category Codes for the merchant business as per VISA and MasterCard guidelines
• Using MAI & ACTIMIZE application as platform to underwrite and calculate the exposure
• Produce sound decisions within allocated authority and make recommendations for cases out of authority
• Determine deposit/collateral amounts
• Maintaining and updating the database on daily basis to ensure operational process is consistent and correctly done
• Sending Feedback to onshore team in UK about any concern for merchant via mail and telephone
• Risk Monitoring Tracking and Monitoring of fraudulent as well as suspected card transaction with the help of Risk Monitoring tools for UK & Ireland Region for different portfolios (FDMS,ISO & AIBMS)
• Holding the Suspected Payments & then releasing with confirming and collecting the appropriate documents from the merchant
• Publishing the Merchant Transaction Held/Release report on daily basis
• The merchants of suspicious nature and of high value transactions are highlighted and alerted to the onshore team on daily basis
• Analyzing the transaction Sales Trend and updating the Threshold Limits of the merchants
• Maintaining and updating the Transaction Hold/Release database on daily basis
• Weekly Suspicious Merchant reporting to the Credit and Risk Shared Department.
• Completed Underwriting over more than 15,000 accounts.
• Developed risk models for accurate credit scoring and improved decision-making processes.

• Doing Credit Limit Enhancement basis documents and customer eligibility and basis Card & CIBIL performance
• Making Master file for all applications Received on Daily Basis
• Monthly basis card portfolio analysis
• Working On Application Known ELECTRA
• Understanding and conducting user acceptance testing (UAT)
• Highlight any new fraud trends to seniors
• Evaluation of financial statements of customers
• Daily Basis MIS preparation and Publishing to senior level management
• Suggest changes in the current process due to which frauds can be prevented and the same can be acceptable to product teams
• Handling Offline Verification referrals for the team and ensuring all the referred cases are closed within the agreed TAT
• Publishing monthly MI for giving relevant feedback to the concerns
• Tracking All Secured Application and Auditing of All Approved Secured Application
• Quality Checking of Secured Application
• Preparing Secured Tracker and Audit of files, Publishing daily productivity MIS of Underwriting Team.
• Optimized credit approval and collection processes, improving operational efficiencies by over 25%.

• Monitoring for debit cards ATM, CNP and POS transaction
• Handling Customer’s Queries regarding reward points redemption and Resolving within TAT
• Raising SR (Service Request) for dispute amount of cards
• Training to new joiners regarding process
• Maintaining Redemption MIS and Audit of Same.
• Demonstrated adaptability by supporting multiple product lines within bank''s credit portfolio as needed during peak periods or staff shortages.

• Internal/Process audit of Future Agrovet Limited (FCEL)
• Stock audit of various companies on behalf of banks.
• Account assistant at M/S Maheshwari & Co.
• Income tax, statutory compliance and ROC.
• Planned and executed follow-up audits at appropriate intervals.