Hi, I’m
KAILASH CHANDRA
Assistant manager in Utkarsh Small FinaceBank Risk Dpt.
Indian Cybercrime Cordination Centre I4C New Delhi
Summary
Professional Assistant manager with over 10 years of comprehensive experience in Fraud Risk Management, Cyber- crime, transaction monitoring, Charge- back and Reconciliation department with the banks of Utkarsh Small Finance Bank, India Post Payments Bank, Punjab National Bank and Orienal Bank of Commerce and provon ability to efficiently investigate and resolve customer disputes with ensuring timely regulatory reporting and compliance.Expertise in managing Cyber-crime complaints and collaborating with law enforcement fraud complaints Skilled in utilizing advance analytical techniques to maintain MIS and streamline operations, contributing with proactive approach to Risk management and operations in Banking Sector.
Overview
10
years of professional experience
1
Certification
Work History
USF Bank
Assistant Manager Grade-II
06.2023 - Current
Job overview
- Expertise in Handling legal complaints and Case Investigations to Mitigate Risk in Utkarsh Small Finance Bank.
- Proficient in managing and responding to complaints registered on the National Cyber Crime Reporting Portal (cybercrime.gov.in), with a strong understanding of the portal’s workflows and escalation protocols.
- Skilled in preliminary verification for digital payments fraud and process related fraud evidence collection, and coordination with service providers and law enforcement agencies.
- Experienced in categorizing cyber offenses (online financial fraud, identity theft, social media crimes, cyberstalking, digital arrest) and initiating investigative procedures.
- Expertise to find out new fraud trends and its Modus Operendi to mitigate financial fraud.
- Monitoring customer real time and near real time digital transactions using advanced fraud detection tools like IFRM (Bank IQ, EFRM) to identify fraudulent activities.
- Proficient in analyzing transactional patterns, behavioral anomalies, and red flags to proactively detect and prevent fraudulent activities such as phishing, account takeovers, and unauthorized fund transfers.
- Focused on safeguarding customer assets by ensuring swift detection, accurate alert handling, and prompt customer communication to prevent financial losses.
- Experienced in managing and responding to Statutory Notice from law enforcement agencies in compliance with regulatory and legal frameworks.
- Proficient in retrieving and providing accurate Know Your Customer (KYC) documents, customer account information, and transaction statements as per declared profile.
In-solutions Global (India Post Payments Bank)
Team Lead
04.2023 - 06.2023
Job overview
- Coordination with ISG Team & IPPB Bank team for ensuring smooth productivity & timely Case resolutions.
- Preparing Team Roaster for managing 24
- 7 support system for handling daily work activities.
- Making & Managing Management Information System (MIS) for Keeping all activity record & publish the same to seniors & Board Team Members on adhoc basis.
- Coordination with Bank officials related to the Billing process as per SLA and ensure timely clearance of Bills.
- Preparing PPT related to new digital Payment fraud & giving KT to all team members.
In-solutions Global (India Post Payments Bank)
Fraud Analyst
04.2022 - 04.2023
Job overview
- Handling Digital Payment Fraud related complaint and conduct end to end verification For the same and report it to RBI within stipulated TAT.
- Handling Cyber-crime(MHA) Portal related to complaints and shared the required informationto LEA and concern banks on the real time basis by the updating details.
- Experienced in managing Aadhaar Enabled Payment System (AEPS) fraud-related cases, ensuring timely investigation and resolution of customer complaints.
- Coordinates with NPCI, banks, and technical service providers to trace disputed transactions and recover funds where possible.
- Maintains meticulous records of all LEA correspondence and responses for audit and legal purposes.
FSS PVT LTD.(IPPB bank, PNB Bank)
Technical Associate
01.2018 - 04.2022
Job overview
- Skilled in managing and continuously monitoring customer transactions using advanced fraud detection tools and rule-based engines to identify suspicious activities in real time.
- Collaborates with fraud risk teams and banking stakeholders to implement effective risk mitigation strategies and ensure timely intervention.
- Committed to maintaining high standards of compliance and customer trust through continuous fraud risk assessment and response.
- Responsible for preparing and processing insurance claim documentation for customers who have been victims of financial fraud.
- Coordinates with internal departments and insurance partners to ensure accurate submission of required documents, including FIR copies, transaction details, KYC, and fraud reports.
In-solutions Global
Processing Officer
10.2015 - 01.2018
Job overview
- Proficient in managing ATM transactions disputes involving ONUS, Acquiring and Issuer Banks.
- Investigates failed or disputed transactions by analyzing switch EJ logs and reconciliation reports to determine the root cause.
- Coordinates with internal teams, acquiring banks, and third-party service providers (like NPCI or VISA/Mastercard) to resolve customer disputes within regulatory timelines.
- Prepares and submits necessary documentation for chargebacks, representments, and arbitration claims as applicable.
- Experienced in retrieving and analyzing CCTV footage from ATM to support the investigation of disputed or failed transactions and customer claims.
- Coordinates with ATM vendors, managed service providers and branch teams to obtain relevant video evidence within defined timelines.
- Skilled in performing end-to-end ATM reconciliation to ensure alignment between physical cash, electronic transaction records, and the General Ledger.
Education
computer course from MS office and Tally
University Overview
include with Doeacc CCC.
GyanMahavidyalaya CollegeAligarh
Master’s degree (M.Com)
01.2014
University Overview
affiliated with Dr. BhimraoAmbedkar University, Agra.
IIMT CollegeAligarh
Bachelor’s degree (B.Com)
01.2012
University Overview
affiliated with Dr. BhimraoAmbedkar University, Agra.
UP Board Allahabad
10 and 12
01.2006
Skills
MS office
Banking Operations
Fraud investigation
Fraud prevention
Statutory Notice CPP Portal
Transaction monitoring
Charge-back like ONUS
Acquiring
Issuer
Pre-arbitration
Arbitration
Good-faith
Ombudsman
ATM Reconciliation
Complete the assessment and certification of AML & KYC
Compliance
Credit Risk
Cyber security awareness
Phishing and prevention of POSH certification
Strength
- Adaptability Flexibility
- Hardworking
- Optimistic with positive attitude.
Certification
AML& KYC Compliance Cyber security Phishing and prevent of POSH
Timeline
Assistant Manager Grade-II
USF Bank
06.2023 - Current
Team Lead
In-solutions Global (India Post Payments Bank)
04.2023 - 06.2023
Fraud Analyst
In-solutions Global (India Post Payments Bank)
04.2022 - 04.2023
Technical Associate
FSS PVT LTD.(IPPB bank, PNB Bank)
01.2018 - 04.2022
Processing Officer
In-solutions Global
10.2015 - 01.2018
computer course from MS office and Tally
GyanMahavidyalaya College
Master’s degree (M.Com)
IIMT College
Bachelor’s degree (B.Com)
UP Board Allahabad
10 and 12