Summary
Overview
Work History
Education
Skills
Affiliations
Accomplishments
Timeline
Generic

Harshitha B

Bengaluru

Summary

Experienced Process Analyst with expertise in credit dispute management, transaction monitoring, and fraud detection. Skilled in analyzing financial data to identify trends, detect anomalies, and mitigate fraudulent activities. I have a proven track record of implementing process improvements that boost operational efficiency and ensure regulatory compliance. I collaborate effectively with cross-functional teams to deliver high-quality solutions.

Overview

6
6
years of professional experience

Work History

SME

Xforia technologies
02.2025 - Current
  • Managed investigation of AML/CFT and PEP alerts using internal databases.
  • Conducted advanced data analytics to identify suspicious transactions and report findings.
  • Performed quality checks on transaction types, including ACH, wires, and checks.
  • Maintained records of analysts' quality control work and documented necessary corrective actions.
  • Facilitated process improvement meetings to enhance team training and operational efficiency.
  • Provided regular feedback to L1 analysts to ensure adherence to quality standards.
  • Ensured proper documentation of team operating processes and compliance measures.
  • Reported team performance metrics in a timely manner to highlight discrepancies.

Process Analyst

Bread Financial
Bengaluru
03.2022 - 10.2024
  • Monitored and analyzed large volumes of financial transactions to detect patterns and potential fraud.
  • Utilized advanced data analytics techniques to investigate high-risk transactions and report findings.
  • Provided quality control for L1 and L2 analysts, promoting compliance-focused team practices.
  • Cross-trained on due diligence tools, including Lexis Nexis and Goldtier, enhancing investigative capabilities.
  • Applied expertise in Anti Money Laundering and Fraud Workflow, particularly in Transaction Monitoring.
  • Executed daily Transaction Monitoring alert mitigation with a focus on thorough investigation.

Process Associate

Bread Financial
Bengaluru
02.2021 - 02.2022
  • Conducted root-cause analysis on false positives, optimizing transaction monitoring parameters.
  • Tracked fraud-related accounts through e-OSCAR system during initial fraud reviews.
  • Ensured compliance with Fair Credit Reporting Act and Fair Debt Collection Practices Act in reporting processes.
  • Identified trends in disputes and data reported to credit bureaus to inform strategy.
  • Monitored customer accounts and transactions to assess high fraud risk.
  • Investigated and removed invalid credit bureau inquiries, maintaining accurate credit profiles.
  • Processed Delete Tradeline requests and executed AUD forms for credit report corrections.
  • Generated response letters in VCARS, adhering to FCRA and FDCPA guidelines.

Network Operations Associate

Accenture
Bengaluru
07.2019 - 12.2020
  • Executed administrative tasks to enhance operational efficiency and service availability.
  • Assisted customers while ensuring high performance of customer-facing services.
  • Updated and maintained internal network infrastructure, boosting performance and reliability.
  • Developed comprehensive network documentation, including diagrams and device configurations.

Education

Bachelor of Commerce - Finance and Accounting

Christ University
Bengaluru
05.2019

12th -

ASC Independent PU College
Bengaluru
06.2016

Skills

  • Customer due diligence
  • Fraud detection and prevention
  • Service level achievements
  • AML compliance
  • Know your customer
  • Identity verification
  • Transaction monitoring
  • Financial crime investigation
  • Suspicious activity reporting
  • Communication skills

Affiliations

Anti-Money Laundering Concepts: AML, KYC and Compliance, Udemy, 10/01/24, 10/31/24

Accomplishments

  • Got Promoted from Process Associate to Process Analyst at Bread Financial, 03/01/24
  • Hosted multiple organizational events with Bread Financial
  • Received Employee of the Month, 04/01/24
  • Received Spot Light Award with Bread Financial
  • Received multiple rewards and recognition with both Accenture and Bread

Timeline

SME

Xforia technologies
02.2025 - Current

Process Analyst

Bread Financial
03.2022 - 10.2024

Process Associate

Bread Financial
02.2021 - 02.2022

Network Operations Associate

Accenture
07.2019 - 12.2020

Bachelor of Commerce - Finance and Accounting

Christ University

12th -

ASC Independent PU College

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Harshitha B