Summary
Overview
Work History
Education
Skills
Leadership
Languages
Awards
Disclaimer
Timeline
Generic
Divyanshu Singh

Divyanshu Singh

Varanasi

Summary

Seeking to obtain a responsible position in your company where my skills and knowledge will be contributed towards the improvement of the company. I feel confidence about my educational qualification, qualities and my passion towards work will help me to perform my best.

Overview

4
4
years of professional experience

Work History

Senior Analyst

WNS Pvt Ltd
Gurugram
05.2024 - Current
  • WNS Global Services Pvt. Ltd., Gurugram Client: American Banking Process
  • Analyzed and resolved chargeback disputes, ensuring compliance with industry regulations and internal policies.
  • Conducted in-depth investigations of disputed transactions by reviewing customer communications, transaction logs, and supporting documentation.
  • Gathered and assessed key evidence such as receipts, shipping confirmations, and proof of delivery to build compelling rebuttal cases.
  • Drafted detailed chargeback response letters, clearly outlining the rationale and supporting evidence for dispute resolution.
  • Maintained consistent communication with issuing banks, payment processors, and customers to address queries and negotiate outcomes.
  • Investigated suspected fraud activity in customer accounts involving debit and credit card transactions.
  • Identified and monitored fraud patterns and dispute trends to proactively suggest process improvements and reduce future chargebacks.
  • Stayed abreast of industry best practices and regulatory updates to ensure compliance and enhance dispute resolution strategies.
  • Depth Investigations of the Fraud cases or Unauthroised
    transactions which include types of fraud (i.e.-ATO,ID Theft,First part fraud.
  • Conduct in-depth investigations of fraud incidents, including credit card/Debit card fraud.
  • Manage dispute chargeback process and investigate cases related to Visa debit/credit card fraud including Reg-E,Non Reg-E claims.
  • Handle Dispute chargeback/merchant chargeback and pre-arbitration processes efficiently.
  • Analyze transaction data and documentation to identify and resolve disputes efficiently.
  • Liaise with banks, merchants, and card networks to facilitate dispute resolution and minimize financial losses.
  • Provide provisional credit to customer through T24 application and investigate the case whether it should be customer favor or customer held.
  • Lead and oversee dispute chargeback process for Visa debit/credit card transactions,ensuring timely resolution and customer satisfaction.
  • Monitor the customer account behavior like transaction Like fund transfer & manual funding in account and login activities.
  • File the SAR form if required while doing the transaction monitoring.

Process Developer

Genpact India Pvt. Ltd.
04.2021 - 04.2024
  • Fraud and Dispute Operations (FDO)
  • SME- Merchant Chargeback
  • Reviewed chargeback request of cardholder in eQ application.
  • Send letter to merchant with correct reason codes and disputed amount.
  • Reviewed merchant response in document history to represent and debit case accordingly.
  • Check merchant documents for possible representment and upload proper documents in VROL (Visa Resolve Online) and MasterCard Online System.
  • Process Normal Open, Duplications, Write-off, Merchant Response.
  • Applications used Lotus Notes, ECM, Vision, MasterCard, Visa-Online.
  • Common Reporting Standard (CRS)
  • Identified Customer profile, Analysed and Validating forms received information.
  • Accurately identified errors to reduce delays and enhance profitability.
  • Monitor Quality Accuracy received daily/weekly/monthly reporting to authority.
  • Monitoring, identifying all CRS (Common Reporting Standard) obligations and procedures.
  • Detect Foreign Tax Residency.
  • Drafting & mailing letter to Customer/authorized representative.
  • Create error report and sent back to the authority for rechecking for proper documentation.
  • Check customer's profiles in tools where a customer is deceased and restricted.

Education

M.Com -

Mahatma Gandhi Kashi Vidyapith
Varanasi, U.P.
01.2020

B.Com -

Mahatma Gandhi Kashi Vidyapith
Varanasi, U.P.
01.2018

High School And Intermediate -

Udai Pratap Inter College
Varanasi, U.P.

Skills

  • MS Word
  • MS Excel
  • Tally
  • Good Computer Applications Knowledge
  • Fraud Detection
  • Fraud Prevention
  • Fraud Analysis
  • KYC
  • KPI

Leadership

  • Capability to create professional and safe work environment.
  • Quick Learner and Team Player.

Languages

Fluent in English and Hindi Language.

Awards

  • GEM Recognition received from client for Commendable work.,
  • Best of the best received from organization for handling team with managing Production.,
  • Knowledge Guru received from organization for Supporting the team And Knowledge about all Queues.,
  • Silver Award received from organization for Quality and reporting

Disclaimer

I hereby declare that all the statement made in this application is true.

Timeline

Senior Analyst

WNS Pvt Ltd
05.2024 - Current

Process Developer

Genpact India Pvt. Ltd.
04.2021 - 04.2024

M.Com -

Mahatma Gandhi Kashi Vidyapith

B.Com -

Mahatma Gandhi Kashi Vidyapith

High School And Intermediate -

Udai Pratap Inter College

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Divyanshu Singh