Apoorv Jain
Hyderabad
Summary
Fraud Risk professional with 8 years of experience across AML, KYC, transaction monitoring, and fraud prevention in banking and fintech. Experienced in designing and scaling risk workflows, translating regulatory requirements into system logic, and driving data-led improvements in fraud detection, operational efficiency, and compliance outcomes.
Overview
9
9
years of professional experience
Work History
Senior Consultant
Ernst & Young
Hyderabad
09.2024 - Current
- Led design and optimization of AML and fraud risk systems across KYC, transaction monitoring, and sanctions screening for global banking and fintech clients
- Translated regulatory and business requirements into system logic, rules, and workflows; partnered closely with engineering teams to implement scalable risk solutions
- Built and tuned transaction monitoring rules and risk-scoring models, improving detection accuracy while reducing false positives
- Designed risk-based onboarding flows (KYC/KYB), enabling dynamic customer segmentation and efficient decisioning
- Managed end-to-end STR/SAR lifecycle including investigations, case building, and regulatory reporting with strong audit readiness
- Identified fraud patterns across ACH, SWIFT, and card transactions; implemented preventive and pre-transaction controls reducing fraud losses and chargebacks
- Collaborated with compliance, operations, and engineering teams to prioritize fraud and risk system enhancements
- Designed and streamlined alert generation, triaging, and case management workflows to improve investigation efficiency and scalability
- Established risk KPIs and reporting frameworks to track fraud exposure, operational performance, and compliance effectiveness
- Led and mentored teams, ensuring high-quality investigations, regulatory adherence, and consistent delivery standards
- Drove automation initiatives across fraud and compliance workflows, reducing manual effort and enabling scale
- Developed dashboards to monitor key risk metrics including detection rate, false positives, alert volume, and investigation SLAs
Senior Team Leader
De Soto Technologies
Ahmedabad
11.2021 - 04.2024
- Owned fraud operations workflows for transaction monitoring, alert triaging, and case management in high-volume environments, enhancing operational integrity
- Improved detection efficiency by refining rules and introducing risk-based prioritization, reducing false positives and backlog
- Managed STR/SAR reporting processes to ensure regulatory compliance and timely submissions, safeguarding organizational accountability
- Partnered with product and tech teams to enhance fraud detection systems and improve workflow efficiency
- Led and mentored team members, enhancing investigation quality and expertise within the team
Risk Analyst
Noon.com
Gurugram
10.2020 - 11.2021
- Monitored real-time e-commerce transactions to detect fraud, account takeovers, and payment abuse
- Investigated suspicious patterns and implemented controls to reduce fraud losses and chargebacks
- Developed rule-based detection logic to identify high-risk transactions
- Analyzed fraud trends and contributed to strengthening platform-level risk controls
- Collaborated with product teams to improve fraud detection systems and customer experience
Business Associate
Fiserv Inc.
Gurugram
04.2018 - 02.2020
- Conducted AML transaction monitoring and facilitated KYC/CDD processes for banking clients, ensuring compliance with regulatory standards
- Investigated suspicious activities, escalating cases to ensure adherence to compliance standards and mitigate risks
- Assisted in fraud detection for card transactions while maintaining documentation to ensure audit readiness
Business Executive
HDB financial services Ltd (unit of HDFC bank)
New Delhi
06.2017 - 01.2018
- Executed KYC verification and customer onboarding processes in line with regulatory requirements
- Performed documentation checks and customer risk profiling
- Investigated unusual transactions and escalated cases for further review and reporting.
Education
Bachelor of Technology - Computer Science Engineering
Dr. A.P.J. Abdul Kalam Technical University
Lucknow, UP-IN01-2016
Skills
- SAR/STR Filing & Regulatory Reporting
- Regulatory Compliance
- Fraud Metrics & Dashboards
- Strategy and decision-making
- Data Analytics – MS Excel, PowerPoint
- Risk assessment
- Case Management tools – Zendesk, Salesforce
- Data analytics
- Pattern Recognition & Behavioral Analysis
- Client and team management
Accomplishments
EY- Quality Contender-2025-2026
Timeline
Senior Consultant
Ernst & Young
09.2024 - Current
Senior Team Leader
De Soto Technologies
11.2021 - 04.2024
Risk Analyst
Noon.com
10.2020 - 11.2021
Business Associate
Fiserv Inc.
04.2018 - 02.2020
Business Executive
HDB financial services Ltd (unit of HDFC bank)
06.2017 - 01.2018
Bachelor of Technology - Computer Science Engineering
Dr. A.P.J. Abdul Kalam Technical University