Jagtap Vikranth
Hyderabad
Summary
Dynamic Subject Matter Expert With over 5 years of experience in credit risk management, fraud prevention, and compliance, 1 currently serve as a Process Specialist at Cognizant.
My work focuses on merchant underwriting, fraud investigations, and transaction monitoring, contributing to enhanced fraud prevention measures. I also deliver training sessions to support team development and ensure adherence to compliance standards.
My expertise spans merchant acquiring, credit analysis, and risk monitoring, with a strong foundation in compliance management and data verification. I am motivated to collaborate on initiatives that strengthen financial and operational systems while driving accuracy and efficiency in credit and fraud risk assessments within the FinTech domain.
Overview
7
7
years of professional experience
Work History
SME, (Client Stripe)
Cognizant Technology Solutions
Hyderabad, India
09.2024 - 03.2026
- Research and analysis of potentially fraudulent activity across multiple risk factors for merchants and partners including research across publicly available sources as well as internal sources such as merchant data and transactional records.
- Ability to understand and apply the applicable Stripe provided regulatory and compliance requirements within the financial services space.
- Experienced working with payments-based fraud typologies such as card testing, underwriting, transaction fraud, merchant fraud in the digital landscape.
- Analytically sound and able to make reasonable decisions on whether an alert should be escalated for further investigation or close if further review is not warranted.
- Knowledge in money services laws and requirements including fraud transaction monitoring and fraud domain.
- Knowledge of working on standard systems, including Lexis Nexis, Identity and Domain verification through Internet research.
- General awareness on applicable fraud trends in the industry.
- Be responsible for drafting and circulating detailed monthly QA reports outlining the QA scores and trends observed, clearly articulating any issues noted and remedial actions to be taken.
Investigate accounts to identify fraudulent merchants, card testing, ATO , and other fraud vectors. - Identified VIP customers quickly and offered additional support to restore services without increasing company risk levels.
Assess risk factors and trends of potentially fraudulent activity. - Lead root cause analyses to identify gaps in current systems, policies and strategies, and determine enhancements and process improvements to address emerging fraud risks through collaboration with key stakeholders.
Quality Assurance Administrator
Wells Fargo International Solutions
Hyderabad
06.2023 - 09.2024
- Monitor and evaluate the quality of inbound or outbound customer calls
- Document quality issues and performance measures for management review
- Oversee a group of service monitors.
- Provide information and assists in the feedback and formal education process of other staff.
- Work closely with both internal and external customers to meet their service needs.
- Provide information and assist in the feedback and education to staff
- Provide support and scoring guidance quality assurance staff by answering questions on regulations or compliance, Procedures, policies.
- Escalate key maintenance errors identified during scoring process and ensure resolution of same reviewing programs processes, documentations, to ensure compliance with internal company requirements or government regulations.
- Review systems to ensure company standards are met, exceptions are notated, and issues escalated as necessary.
- Provided coaching to staff and track performance exceptions and result.
- Make final scoring decisions on disputes which impact quality results.
- Interact with staff and business partners to promote team work and department effectiveness..
Fraud Analyst ( Client Goldman Sachs)
Russell Tobin Staffing Solutions
Hyderabad
06.2022 - 03.2023
- Familiarity with CREDIT CARD FRAUD DISPUTES Activity.
- Extensive knowledge of FRAUD ISSUES and CHARGEBACK.
- Identifying fraud type and processing accordingly to compliance of the company.
- Issuing credit through specific applications of the company and reversing fees and sending letters.
- It comprises different roles depending on the complexity & Dollar value.
- Focus in meetings and exceeding targets as per TAT with Quality maintenance.
- Delivered multiple trainings on apple card product, chargebacks, fraud investigation and rebills.
- Placed and removed restrictions on accounts, return ACH/cancel wire.
- Served as pilot tester; tested new tools to reduce human dependency and promote efficiency.
- Client - Goldman Sachs
Fraud Investigator
Wipro Limited
Hyderabad
07.2019 - 04.2021
- Monitored transactions and accounts for suspicious activity using specialized software.
- Daily Transaction monitoring and analysis of alerts.
- Review alerts to identify fraudulent activity such as Online Account Takeover, Wire and ACH fraud, Cheque fraud, New Account fraud, Identity Theft, Elder Financial Exploitation and Card fraud.
- Research and take decision on alerts.
- Document all findings, dispositions, and conclusions related to the assessment with explanations in narrative form.
- Resolve queued transactions within the define TAT to reduce potential losses.
- Identify system improvements to prevent fraudulent activities.
- Research and respond to questions received from other lines of business.
Education
B.com - Commerce
Wesely Degree College
Hyderabad2017
Aurora Junior College -
Aurora Junior College
Hyderabad2014
St. Aurobindo High School -
St. Aurobindo High School
Hyderabad2012
Skills
- Filing Suspicious Matter Report (SMR)
- Screening Tool: World-Check, LexisNexis, and IBS products
- MS Office (Word, Outlook, PowerPoint, and advanced Excel)
Languages
English
Advanced
C1
Hindi
Advanced
C1
Marathi
Advanced
C1
Telugu
Advanced
C1
Awards & Honors
- Awarded "Best Quality Assurance" designation on multiple occasions, demonstrating consistent excellence in quality control and process improvement.
Timeline
SME, (Client Stripe)
Cognizant Technology Solutions
09.2024 - 03.2026
Quality Assurance Administrator
Wells Fargo International Solutions
06.2023 - 09.2024
Fraud Analyst ( Client Goldman Sachs)
Russell Tobin Staffing Solutions
06.2022 - 03.2023
Fraud Investigator
Wipro Limited
07.2019 - 04.2021
B.com - Commerce
Wesely Degree College
Aurora Junior College -
Aurora Junior College
St. Aurobindo High School -
St. Aurobindo High School