MS Office
GURUDARSHAN SHETTY
Senior Risk Investigator
Bengaluru,KA
Summary
Senior Risk Investigator with 8+ years of experience in fraud risk management, transaction monitoring, and merchant risk strategy across fintech and e-commerce. Proven track record of reducing fraud exposure, building scalable risk controls, and driving data-backed decision making. Experienced in mentoring analysts, influencing cross-functional stakeholders, and leading high-impact risk initiatives. Seeking to transition into a leadership role to drive proactive risk strategies and team performance.
Overview
10
10
years of professional experience
Work History
Senior Risk Investigator
PhonePe
06.2022 - 01.2026
- Led end-to-end investigations on high-risk merchant accounts, identifying systemic fraud patterns and control gaps.
- Reviewed 2,000+ flagged accounts and improved onboarding risk controls, reducing potential fraud exposure.
- Drove blacklisting decisions for 400+ high-risk merchants using multi-dimensional risk signals (GST, PAN, behavioral patterns).
- Identified large-scale merchant stacking networks, strengthening detection frameworks and preventing repeat abuse.
- Designed and implemented fraud rules blocking ~3,400 transactions within 5 days, preventing ~₹10.7L losses.
- Investigated critical cases leading to freeze of ~₹9.5 Cr in fraudulent funds through compliance escalation.
- Reduced fraud trend rate from ~74% to ~39% by introducing behavioral monitoring and proactive controls.
- Analyzed 17,000+ autopay fraud cases to uncover vulnerabilities and recommend preventive solutions.
- Mentored new team members and shared best practices, improving investigation quality and turnaround time.
- Tools
- MS Office
- SQL
Transaction Risk Analyst
Amazon
09.2018 - 08.2021
- Analyzed seller behavior and transaction patterns to detect fraud and policy violations.
- Improved investigation quality by enhancing analysis frameworks and feedback mechanisms.
- Collaborated with global teams to strengthen fraud prevention strategies and operational workflows.
Senior Officer – Category Operations
Myntra
06.2014 - 09.2018
- Managed end-to-end category operations and seller performance metrics.
- Streamlined operational workflows, improving efficiency and service delivery.
- Trained and onboarded new hires, contributing to team capability building.
- Collaborated cross-functionally to enhance customer experience and operational outcomes.
Education
Master of Science - Biotechnology
Garden City College
Bengaluru01-2013
Skills
Merchant Risk Management
Fraud Detection & Prevention
Transaction Monitoring
KYC & Onboarding Controls
Behavioral Analytics
Risk Strategy & Guardrails
Stakeholder Management
Process Improvement
Team Mentoring & Training
Software
SQL
Timeline
Senior Risk Investigator
PhonePe
06.2022 - 01.2026
Transaction Risk Analyst
Amazon
09.2018 - 08.2021
Senior Officer – Category Operations
Myntra
06.2014 - 09.2018
Master of Science - Biotechnology
Garden City College