JAGADISH GOUD

• Investigate credit and debit card fraud claims across US banking operations, with focus on chargeback processing, dispute resolution, and accurate case disposition.

• Conduct 360° customer/profile reviews and transaction monitoring to identify suspicious activity, fraud patterns, behavioral anomalies, and potential account risk.

• Analyze transaction history, merchant activity, customer behavior, and red flags to determine appropriate fraud actions and escalation paths.

• Process fraud transactions and chargeback cases in alignment with VISA guidelines, internal SOPs, risk controls, and compliance requirements.

• Prepare and maintain detailed case documentation, investigation notes, supporting evidence, and disposition rationale for auditability and downstream review.

• Handle high-risk merchants and transactions, escalating complex or high-impact cases to appropriate internal teams while supporting loss-mitigation objectives.

• Coordinate with law-enforcement, security, and internal investigation teams on high-impact fraud scenarios when required by process.

• Perform quality audits and root-cause analysis; identify recurring errors, recommend corrective actions, and reinforce process adherence.

• Analyzed customer account activity and payment transactions to identify unusual patterns, unauthorized activity, and potential fraud indicators.
• Investigated fraud and non-fraud cases by evaluating transaction history, customer information, supporting evidence, and applicable procedures before determining case outcomes.
• Reviewed operational alerts and ACH investigations covering proof-of-authorization, permission-to-return, reconsiderations, reversals, and trace requests.
• Processed electronic fund transfer claims across incoming and outgoing ACH files, balancing accuracy, risk considerations, customer impact, and turnaround requirements.
• Evaluated affidavits and supporting records from banks, merchants, and customers to establish facts, identify discrepancies, and support defensible case decisions.
• Applied NACHA requirements, Regulation E, ACH return codes, denial reasons, and SEC codes while maintaining adherence to internal controls and regulatory procedures.
• Maintained complete case documentation and followed escalation and approval workflows for exceptions, unresolved issues, and higher-risk scenarios.