Atul Mishra
Pune
Summary
Fraud analyst specializing in chargeback lifecycle management and risk assessment. Demonstrated success in enhancing stakeholder communication and implementing process improvements that streamline operations. Recognized for effective dispute management and compliance with industry regulations. Proficient in identifying and resolving complex financial frauds, utilizing advanced technology for data analysis and evidence gathering, resulting in significant reductions in fraud losses.
Overview
5
5
years of professional experience
1
1
Certification
Work History
Fraud Analyst
Barclays
05.2024 - Current
- Managed end-to-end chargeback lifecycle in line with Reg Z, Visa, and Mastercard rules.
- Tracked and processed disputes across VROL, Mastercom, TSYS, Appian, and Pega to ensure timely resolution.
- Conducted first-line-of-defense control testing on provisional credits to ensure SLA compliance.
- Coordinated with Risk, Compliance, Operations, and Merchant teams on high-exposure disputes.
- Supported pre-arbitration and arbitration readiness by ensuring documentation accuracy and compliance.
- Delivered structured training and quality calibration for new joiners to enhance onboarding experience.
- Contributed to multiple control IT projects minimizing business risks.
- Provided new ideas to improve the efficiency of the process.
- Acted as Subject Matter Expert (SME) for Reassertion process.
Fraud Analyst
Bank of America
01.2021 - 04.2024
- Reduced fraud losses by 18%, saving approximately $1.2M annually.
- Investigated fraud and non-fraud disputes, identifying suspicious activity to mitigate risk.
- Processed 200+ high-value disputes monthly with a 97% success rate.
- Analyzed transaction patterns to identify and mitigate potential fraud risks.
- Utilized advanced analytical tools to monitor accounts for fraudulent behavior.
- Implemented customer verification processes, significantly reducing the risk of fraudulent account creation.
- Achieved 99% compliance with Reg Z and internal SOPs, ensuring regulatory adherence.
- Used multiple data sources to derive end-to-end fraud performance metrics.
Education
Bachelor of Business Administration (BBA) -
Kadi University
Gandhinagar01-2019
Skills
- Fraud detection and prevention
- Chargeback resolution
- Regulation Z compliance
- Visa and MasterCard rules
- Risk assessment and mitigation
- Quality assurance and control testing
- Provisional credit governance
- Root cause analysis
- Pre-arbitration and representment
- Operational risk indicators
- Process improvement strategies
- Stakeholder communication
- Knowledge transfer and training
- Decision-making under ambiguity
Certification
- Certified Advanced Excel Practitioner (CAEP) - Henry Harvin
- Tally Ace Certification
- NCFM - Technical Analysis | NSE India
Personal Information
Title: Fraud Analyst | Risk & Controls
Controls Governance And Risk Oversight
- Performed first-line-of-defense control checks to ensure adherence to regulatory timelines and risk appetite.
- Identified control gaps in provisional credit issuance and supported remediation actions.
- Ensured dispute documentation was audit-ready and traceable for internal review.
Tools And Systems
- Advanced Excel
- Salesforce
- Pega
- Appian
- TSYS
- Core Card
- EPIC
- CCD (Chargeback Dispute Management)
- Mastercom
- VROL (Visa Resolve Online)
Timeline
Fraud Analyst
Barclays
05.2024 - Current
Fraud Analyst
Bank of America
01.2021 - 04.2024
Bachelor of Business Administration (BBA) -
Kadi University