Asha R
Bangalore
Summary
Dedicated financial services professional with experience in investigations, regulatory compliance, and risk management within the payments industry. Currently serving as an Investigations and Regulatory Analyst at PayPal, specializing in compliance-related transaction reviews, payment investigations, and regulatory reporting while ensuring adherence to global standards. Strong expertise in KYC and Anti-Money Laundering (AML) processes, with a proven record of strengthening compliance controls and mitigating financial risk. Demonstrated leadership experience as a Lead Mentor, successfully training 6 batches of employees and driving team capability development. Experienced in handling P2C operations with a focus on accuracy, efficiency, and service excellence.
Overview
12
12
years of professional experience
Work History
Investigations and Regulatory Analyst
PayPal India Private Limited
Bangalore, India
02.2019 - Current
- Mentored 30+ team members as a Process Lead, improving team productivity and accuracy by 25%.
- Monitored and investigated 100+ daily transactions to detect fraud, AML risks, and policy violations with 98% accuracy.
- Performed AML, KYC, and CIP reviews to ensure 100% compliance with OFAC and global regulatory standards.
- Conducted Enhanced Due Diligence (EDD) on high-risk accounts, reducing onboarding fraud by 20% and strengthening risk controls.
- Investigated payment issues including payment holds, high-risk transactions, and compliance-related cases, reducing resolution turnaround time by 30%.
- Managed 200+ monthly disputes and chargebacks (North America), including INR (Item Not Received) and billing errors, achieving 90% SLA resolution.
- Enforced Acceptable Use Policy (AUP) compliance, reducing violations and platform abuse by 35%.
- Assessed consumer and seller risk by analyzing account behavior and implementing account limitations to mitigate fraud and money laundering.
- Interpreted AML regulations and recommended compliance improvements to enhance internal risk and control frameworks.
- Prepared detailed investigation reports to support audits, compliance reviews, and regulatory requirements.
Senior Process Executive
Cognizant Technology Solutions India Pvt. Ltd
Chennai, India
09.2017 - 12.2018
- Process Executive for “KANTAR MEDIA”.
- Digital Ops - Comms Delivery International project.
Senior Customer Support Specialist
Lycatel Pvt. Ltd
Chennai, India
05.2014 - 08.2017
- For Lycamobile telecom process for the United Kingdom.
Education
Bachelor of Science - Information Technology
PKR Arts College
Erode, TN01-2011
Skills
Compliance & Risk Expertise
- AML (Anti-Money Laundering), KYC, CIP, OFAC compliance
- Fraud detection and transaction monitoring
- Chargebacks and dispute resolution (NA market)
- Consumer and seller risk assessment
- Enhanced Due Diligence (EDD)
Technical & Tools
- Microsoft Office: Excel, Word, Outlook
- Case management and risk tools: Kana, Admin Tools, CT Tool, Compass, ARGUS
- Data and verification platforms: LexisNexis, MRZ tools
- Fraud and risk systems: Shield, CCI Tool, Attack Tool
- Internal platforms: Cassini Mars, Spark Tool, CS Compass Gold, OMX Tool
Additional Information
- Worked on AI projects to configure, test, and validate chatbot responses, ensuring accuracy, consistency, and alignment with business and compliance requirements.
- Identified gaps in chatbot logic and workflows, providing actionable feedback to improve model performance and conversational accuracy.
- Certificate courses like (OS and Hardware & Networking)
- International English Language Testing System (IELTS GENERAL CERTIFICATION)
Personal Information
DOB: 30th August 1990
Gender: Female
Marital Status: Married
Timeline
Investigations and Regulatory Analyst
PayPal India Private Limited
02.2019 - Current
Senior Process Executive
Cognizant Technology Solutions India Pvt. Ltd
09.2017 - 12.2018
Senior Customer Support Specialist
Lycatel Pvt. Ltd
05.2014 - 08.2017
Bachelor of Science - Information Technology
PKR Arts College