Bharath Shindhe P
Banking Professional - Fraud Risk
Bengaluru,KA
Summary
Senior QA Specialist with a robust background in AML investigations and financial crime risk management across Fintech, banking, and e-commerce sectors. Proven track record in leading Level 2 investigations and SAR filings. Committed to leveraging extensive fraud detection expertise to strengthen risk controls and ensure regulatory compliance for an innovative organization.
Overview
11
11
years of professional experience
5
5
Languages
Work History
Senior Specialist - Operations
Fi Money
06.2023 - 02.2026
- Monitor transactions for suspicious activity using rule-based alerts, enabling early detection of potential fraud.
- Lead a team of six fraud specialists focused on proactive detection, prevention, and identification of fraud risks.
- Trainer and mentor for new hires, providing quality feedback and training to analysts to improve alert review accuracy and escalation consistency.
- Produced risk assessment reports, compiled findings from EDD investigations, including risk assessments, and recommendations for action.
- Performed internal audits and QA reviews to ensure adherence to AML, KYC, and risk governance standards.
- Prepared investigative summaries and reports for compliance and senior stakeholders.
- Collaborated across departments, working with Compliance, Fraud, and Customer Service teams to address complex cases and implement risk mitigation strategies.
- Supported law enforcement agency and regulatory information requests with timely and compliant responses.
- Conducted end-to-end customer investigations and analyzed customer profiles from onboarding through ongoing transaction monitoring. Identified potential compliance issues and suspicious activities.
Fraud Specialist
Goldman Sachs
11.2021 - 06.2023
- Monitored Apple credit card transactions to identify suspicious or high-risk activity using tools like LexisNexis.
- Identified fraud patterns, including identity theft, account takeover, collusion, and transactional anomalies.
- Spearheaded efforts to mitigate major fraud types in the industry, such as intentional defaults (invalid disputes, ACH), identity thefts, account takeovers, synthetic ID frauds, and suspicious identity theft claims. Conducted root-cause analysis and recommended improvements to fraud detection workflows.
- Closely worked with the strategy team and generated control reports that consist of accounts that lead to potential fraud loss due to ATO and intentional default behaviors.
Associate Business Analyst (Fraud & AML Operations)
Infosys
04.2021 - 10.2021
- Reviewed e-commerce transactions to detect fraudulent behavior and prevent revenue losses.
- Reported fraud trends and provided insights to risk team.
- Supported internal teams on fraud-related and AML-related escalations.
Fraud Management Analyst
Ascena Retail Group
09.2020 - 03.2021
- Screened online transactions to detect fraudulent orders and prevent losses.
- Analyzed fraud patterns and suggested improvements to reduce risk exposure.
- Supported internal investigation teams with fraud case reviews.
Transaction Risk Investigator
Amazon
01.2016 - 03.2020
- Investigated seller accounts, payment behavior, and AML-related anomalies.
- Conducted KYC verification and ensured compliance with platform policies.
- Prepared audit documentation and supported internal review cycles.
- Conducted compliance calls to assist sellers with understanding risk policies.
Finance Specialist
Accenture
09.2014 - 11.2015
- Processed purchase orders and invoices with accuracy and compliance.
- Trained new team members on finance workflows and tools.
- Prepared financial and supplier risk reports.
- Handled escalations and maintained streamlined operations.
Education
Master of Commerce - Accounting & Finance
Kuvempu University
11-2016
Bachelor of Commerce - B.Com
Bangalore University
05-2014
Skills
Fraud detection skills
Problem-solving analysis
Cross-functional collaboration
Quality control
Accomplishments
Reducing false-positive alerts by 20% while mentoring analysts to improve investigation quality.
Timeline
Senior Specialist - Operations
Fi Money
06.2023 - 02.2026
Fraud Specialist
Goldman Sachs
11.2021 - 06.2023
Associate Business Analyst (Fraud & AML Operations)
Infosys
04.2021 - 10.2021
Fraud Management Analyst
Ascena Retail Group
09.2020 - 03.2021
Transaction Risk Investigator
Amazon
01.2016 - 03.2020
Finance Specialist
Accenture
09.2014 - 11.2015
Master of Commerce - Accounting & Finance
Kuvempu University
Bachelor of Commerce - B.Com
Bangalore University