BHARATH RAMESH
Summary
Experienced Senior Chargeback Analyst with a strong background in card fraud and dispute resolution, chargeback management, and processes related to Visa and MasterCard network cards. Proficient in fraud investigations, transaction monitoring, and identifying fraud alerts. Skilled in preparing comprehensive documentation, conducting thorough account reviews, and generating detailed MIS reports. Committed to upholding high-quality standards and meeting SLAs. Seeking an opportunity to apply analytical skills and expertise in a forward-thinking organization that prioritizes financial integrity and exceptional customer service. Ensuring accurate transaction reviews, preventing financial losses, and maintaining high service standards are top priorities.
Overview
6
6
years of professional experience
Work History
Fraud Analyst
BREAD FINANCIAL
03.2023 - Current
- Profile of operation based on disputes assigned by the credit bureau
- Involved in fraud investigation based on credit card
- Verification of detailed documentation submitted
- Currently working on VCARS platform for resolution of the work
- Creation of Fraud report and closure based on investigation
- Documentation of End-to-end investigation of ACDV received
- Handling cases from Victoria's secret, My BJ's etc holder for issuing the card based on investigation
- Handled Fraud Mail process using DOCUWARE Application for resolution of mail disputes from the account holder
- Issuing chargebacks to the merchants for the fraud transaction/ accounts
- Handling charged-off / written-off accounts
- Submission of AUD form for reconciliation on customer's CBR
- Analysed financial transactions to identify unusual patterns
- Conducted thorough fraud investigations and gathered evidence
- Conducting extensive and confidential investigations of suspected fraud allegations
- Investigated fraud and non-fraud dispute cases for validity
- Analysed flagged transactions, gathered evidence, and prepared report
- Conducted reviews of flagged transactions and reports that showed potential suspicious activity
- Writing in-depth reports on your findings and presenting them
Senior Specialist (Charge back/Disputes)
AXA-BUSINESS SERVICES
02.2019 - 02.2023
- Working in 5/3 banking process for card Fraud Team
- Manage day to day chargeback processes, timely resolution of cases, initiation of appropriate reason code for successful chargeback
- Resolving the customer disputes and chargeback process
- Resolved Cardholder's disputes arising from transactions with debit card merchants ensured disputes are settled within a
- It involves taking requests regarding fraud and merchant disputes
- Ensuring incoming retrieval requests & chargebacks are processed in accordance with Visa and MasterCard regulations
- Dealing with High-Risk disputes which involves High Dollar and premier Customers
- Report Fraud and block debit cards
Education
Bachelor of business administration -
University of Bangalore
Bangalore, Karnataka05.2018
Skills
- Data Analysis and Interpretation
- Credit Risk & Compliance
- Evidence Collection and Preservation
- Report Writing and Documentation
- Dispute Resolution
- Credit card disputes
- Effective communication
- Verbal and written communication
- Analytical thinking
- Customer relations
- Documentation management
- Root-cause analysis
Personal Information
Date of Birth: 07/08/97
Disclaimer
I hereby declare that the above information furnished by me is correct up to my knowledge and I bear the responsibility for the correctness of the above-mentioned particular.
Certificationsawards
- Achieved quarterly reward for best performer.
- Received appreciation from the team for maintaining the quality and the production & also taking initiative independently as Team Member.
- Achieved (Result) through effectively helping with task.
- Achieved two times raising star award for the performance.
- Awarded from onshore for the accomplishment of the productivity and the quality.
Timeline
Fraud Analyst
BREAD FINANCIAL
03.2023 - Current
Senior Specialist (Charge back/Disputes)
AXA-BUSINESS SERVICES
02.2019 - 02.2023
Bachelor of business administration -
University of Bangalore
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