Kumarasan Durai
Chennai
Summary
Results-driven fraud analyst with over 10 years of specialized experience in credit and debit card operations and loan departments, adept at navigating complex compliance standards. Proven ability to foster effective customer communication through email and phone channels, ensuring clarity and adherence to regulations. Demonstrated proficiency in prioritizing tasks within fast-paced environments, supported by exceptional organizational skills. Motivated and proactive professional consistently excelling in interpersonal interactions, time management, and problem-solving, eager to leverage strengths in a full-time role that promotes continued career advancement.
Overview
13
13
years of professional experience
1
1
Certificate
Work History
Manager
Religare Housing Development Finance Corp Ltd
07.2023 - Current
- Maximized performance by monitoring daily activities and mentoring team members
- Cross-train existing employees to maximise team agility and performance
- Onboarded new employees with training and new hire documentation
- Managed and motivated employees to be productive and engaged in work.
- Accomplished multiple tasks within established timeframes
- Vendor Management
- Seeding and Mystery Shopping
- Samplers Management
- Hygiene calls to check the sourcing mechanism
- Investigation of Fraud Cases(Pre/Post)
- Skip Tracing
- Mails Management
- Collateral Cross Check
- Early Warning System Handling
- Applications: KARZA, FINNONE, WEBMAIL OUTLOOK
- Streamlined workflows by identifying bottlenecks in existing systems and implementing appropriate solutions.
- Accomplished multiple tasks within established timeframes.
Deputy Manager
Hdfc bank ltd
02.2020 - 07.2023
- Created and maintained a strong team culture that promoted high levels of collaboration, employee satisfaction, and overall performance.
- Liaised with team members, stakeholders and vendors to coordinate activities, provisioning, environment setup, risk mitigation and follow-up.
- Managing authorization data in 21 types of loans
- Vendor management
- Hygiene Checks
- Asset Verification visit for high-value loans (Premium Auto Loan)
- Cross Checks on vendors reports,
- UV check for agriculture loans documents,
- Crime Check and Company categorization
- Supervised and motivated 50 samplers.
- Enhanced employee performance by providing regular feedback, coaching, and training opportunities.
- Developed strong relationships with stakeholders to facilitate smooth communication and project completion.
- Application : LOS, RIMS, VBMS, LOTUS NOTES WEBMAIL, PAN VERIFICATION, SYSTEM, FLEXCUBE, LOS
Senior fraud analyst
Standard chartered bank
02.2016 - 02.2020
- Motoring customer cards transaction & validating the same
- Authorizing & Declining the same if any issues in it, through Inbound & Outbound calls
- Action incidents are alerted by various Detection tools to take all necessary steps to mitigate fraud and information security risks
- Investigate the legitimacy of suspicious events/transactions in accordance with Bank Standard Operating Procedures 24/7
- Research fraud and security-related trends and emerging issues
- Sharing and effective utilization of the best practices of Credit Card Fraud prevention tools
- Provide recommendations to managers for new business rules to increase the effectiveness of current fraud detection systems and action if approved
- Identifying POS/CPP during Fraud Trends & highlighting the team to set of Rules
- Weekly Calls with Country Stake Holders, discussing fraud trends & action to be taken on it
- Review of Refer to Issuer blocked cards and release of same based on the Fraud trends in order to limit the referral cost to the bank
- Internally coordinating with Charge Back Team, Collections Unit, Cards Operations Underwriting, and Phone Banking Units & Externally with Customers, Acquiring & member banks, and all Vendors
- Countries Handled: Around 21 Countries, Mainly Singapore in Asia, UAE in Gulf, UK - Jersey, Europe, India, Greater China & HK
Fraud Analyst
Tata consultancy services
08.2012 - 02.2016
- Tracked fraud cases and monitored trends to develop strategies for prevention.
- Identified emerging fraud trends by conducting regular market research and staying updated on industry best practices.
- Played key role in recovery of substantial amounts of funds by resolving complex fraud cases.
- Streamlined fraud alert systems, enabling quicker response times to potential threats.
- Performed risk assessments to determine level of fraud risk and prioritize investigations.
- Analyzed large amounts of data to find patterns of fraud and anomalies.
- Evaluated customer data to identify and prevent fraudulent activities.
- Reduced fraud losses by implementing effective fraud prevention strategies and monitoring systems.
- Achieved recognition for exceptional performance in fraud risk management, setting benchmark for peers.
- Contacted customers directly to notify of fraudulent activity and minimize impacts.
Education
Bachelor Of Applied Science - Information System Management
05.2012
GPA: First Class with 75%
Skills
- Fraud risk management
- Critical analysis for decision-making
- Time management skills
- Critical thinking abilities
- Prioritization and scheduling
- Effective problem resolution
- Skilled at managing multiple tasks
- Staff development and training
- Effective team management
- Strategic planning expertise
- Analytical decision making
- Oversight process implementation
- Fraud risk assessment
- Monitoring industry fraud trends
- Team development
- Stakeholder relationship building
Accomplishments
- The school secured first place in the Genesis pre-board exam in 2009 and secured fourth place in the HSLC exam in 2009.
- Zonal winners in football in Kanchipuram in 2008. The school secured first place in accounts, commerce, and economics at HSLC in 2009.
- The department secured third place in the college's fourth semester in 2011.
- Runners-up in the inter-college cricket tournament 2011-12.
Certification
Forensic Accounting and Fraud Examination Certificate in West Virginia University, Sep'2020
Cyber Security in Skill India Digital hub, Aug'2025
Languages
English
Advanced (C1)
Tamil
Bilingual or Proficient (C2)
Timeline
Manager - Religare Housing Development Finance Corp Ltd
07.2023 - Current
Deputy Manager - Hdfc bank ltd
02.2020 - 07.2023
Senior fraud analyst - Standard chartered bank
02.2016 - 02.2020
Fraud Analyst - Tata consultancy services
08.2012 - 02.2016
AM JAIN COLLEGE - Bachelor Of Applied Science, Information System Management
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