Gladson Kay
Bengaluru, Karnataka
Summary
Fraud & AML Analyst with 8+ years of experience in transaction monitoring, financial crime investigation, and chargeback dispute management across banking and fintech environments. Specialized in KYC/CDD/EDD reviews, suspicious activity detection, account takeover (ATO) investigations, and risk assessment. Proven ability to identify unusual transaction patterns, mitigate fraud losses, and ensure regulatory compliance. Hands-on experience with AML monitoring systems, fraud analytics, and customer due diligence processes. Strong background in payment fraud, card dispute lifecycle, and financial crime prevention.
Overview
10
10
years of professional experience
Work History
RISK TRANSACTION MONITORING ANALYST
FI MONEY
06.2023 - Current
- Developed and deployed 8+ fraud detection rules, improving detection efficiency by 40% and reducing fraud incidents by 30% annually.
- Reduced false positives by 25% by optimizing monitoring rules and alert review processes.
- Collaborated with Compliance and Engineering teams to strengthen AML monitoring frameworks.
- Conduct AML transaction monitoring, investigating 50+ suspicious transactions daily with 98% accuracy.
- Conduct comprehensive KYC reviews of customer profiles, analyzing onboarding documents and liveness videos to ensure regulatory compliance with RBI and AML regulations.
- Investigate high-risk escalations through customer outreach and document verification, resolving 95% within 48-hour SLA.
REGULATORY COMPLAINCE ANALYST
ACCENTURE
01.2023 - 05.2023
- Monitored 1,000+ merchant transactions daily using fraud detection tools to identify suspicious patterns and high-risk activity.
- Conducted risk assessments on 150+ merchant accounts weekly, analyzing transaction behavior, chargeback ratios, and account history.
- Investigated 200+ fraud cases monthly, making account decisions including suspensions, payout holds, and terminations to mitigate financial risk.
- Ensured adherence to AML and regulatory compliance standards, contributing to 95% successful audit outcomes.
SENIOR REPRESENTATIVE | FRAUD INVESTIGATION
PWC
08.2022 - 12.2022
- Investigated 200+ fraud cases monthly with 96% resolution rate.
- Handled fraud including ATO, card fraud, check/deposit fraud, and online fraud schemes.
- Restricted and closed high-risk accounts to mitigate financial losses.
- Maintained audit-ready fraud databases and detailed case logs.
SENIOR REPRESENTATIVE | CHARGEBACK
CONCENTRIX
10.2021 - 07.2022
- Managed 400+ chargeback cases monthly with 97% successful resolution rate.
- Processed end-to-end dispute lifecycle for VISA, MasterCard, and ATM transactions.
- Handled chargeback representment, collecting documentation from merchants and cardholders.
- Reduced chargeback losses by 30% through effective dispute handling.
TRANSACTION MONITORING
TCS
07.2016 - 08.2021
- Processed 5,000+ AML alerts with 97% accuracy across L1/L2 monitoring.
- Investigated 10+ daily alerts involving structuring, layering, and unusual transaction patterns.
- Conducted EDD on high-risk customers analyzing source of funds and beneficial ownership.
- Performed sanctions (OFAC, UN, EU), PEP, and adverse media screening.
- Escalated 500+ suspicious cases for SAR/STR filing.
- Investigated complex typologies including TBML, wire fraud, and shell company structures.
- Trained 20+ analysts on AML investigation techniques.
Education
Bachelor of Arts - Corporate Secretaryship
Agurchand Manmull Jain College
Chennai04.2016
Skills
- Transaction monitoring
- AML compliance
- Regulatory compliance
- Sanctions & PEP Screening
- KYC/CDD/EDD Reviews
- Suspicious activity reporting
- Fraud investigation
- Fraud detection
- Merchant Fraud Monitoring
- VISA & MasterCard Rules
- Chargeback Lifecycle
- Payment Fraud Analysis
Timeline
RISK TRANSACTION MONITORING ANALYST
FI MONEY
06.2023 - Current
REGULATORY COMPLAINCE ANALYST
ACCENTURE
01.2023 - 05.2023
SENIOR REPRESENTATIVE | FRAUD INVESTIGATION
PWC
08.2022 - 12.2022
SENIOR REPRESENTATIVE | CHARGEBACK
CONCENTRIX
10.2021 - 07.2022
TRANSACTION MONITORING
TCS
07.2016 - 08.2021
Bachelor of Arts - Corporate Secretaryship
Agurchand Manmull Jain College