MONISH N S
Chennai
Summary
Analytical professional with strong technical expertise and critical thinking skills in data-driven environments. Drives strategic decision-making through data insights, enhancing organizational performance. Delivers impactful results both independently and collaboratively.
Overview
1
1
Language
1
1
Certification
5
5
years of professional experience
Work History
SENIOR EXECUTIVE – Fraud and Risk Analyst
STRAIVE (SPI Technologies India Limited)
Chennai
12.2025 - Current
- Detect and investigate fraudulent transactions, including account takeovers (ATOs), triangulation fraud, and emerging e-commerce threats.
- Analyze complex transaction patterns and customer behavior to assign an accurate Customer Risk Score, identifying high-threat actors before they impact the bottom line.
- Utilized a comprehensive risk matrix to evaluate severity of threats and prioritized investigations based on potential financial and reputational impact.
- Operated and optimized fraud detection platforms to enhance transaction review processes. fraud detection platforms (e.g., Signifyd, Forter) to review flagged transactions and make high-stakes, risk-based decisions.
- Fine-tuned scoring logic and configured fraud rules to reduce false positives.
- Ensure all investigative actions align with global financial regulations, AML (Anti-Money Laundering) policies, and internal risk frameworks.
- Assess jurisdiction risk by monitoring geographical fraud trends, and ensuring compliance with regional regulatory standards and reporting requirements.
- Coordinated with chargeback teams, financial institutions, and payment operations to link fraud patterns with post-transaction disputes, enhancing fraud detection efforts.
- Supported rapid incident response during fraud spikes, performed root cause analysis to inform development of long-term prevention policies.
SENIOR ANALYST – Transaction Monitoring
Teleperformance
Chennai
04.2024 - 12.2025
- Alert Management & Monitoring: Perform daily reviews of rule-based alerts, and identify unusual transactions that deviate from a customer-established profile.
- Deep-Dive Analysis: Utilize behavioral pattern analysis to detect complex money laundering schemes, including the rapid movement of funds, structuring, or transactions involving high-risk jurisdictions.
- Financial Investigation: Analyze high-risk customer profiles by evaluating their Source of Funds (SoF) and Source of Wealth (SoW) to ensure all financial activity aligns with their declared economic background.
- Threshold Management: Identify and investigate instances of threshold breaches, including large deposits or withdrawals that trigger regulatory or internal compliance limits.
- Reported and escalated high-priority cases by drafting comprehensive Suspicious Activity Reports (SARs) to senior management and the Financial Intelligence Unit (FIU) upon identifying potential fraud or money laundering concerns.
- Coordinated with Risk Management System (RMS) to contact customers for documentation needed to clarify suspicious transactions, ensuring compliance with regulatory requirements.
- Participated in cross-functional meetings to refine AML procedures and enhance data analysis techniques for identifying emerging trends, aligning practices with evolving global regulations.
- Demonstrated analytical rigor in evaluating complex financial transactions.: Proven ability to analyze complex financial transactions and relationships to detect potential terrorist financing or laundering activities.
Assistant Manager
DCB Bank Ltd
Chennai
02.2023 - 01.2024
- KYC & Entity Verification: Oversee the end-to-end review and verification of KYC documents for various customer types, including individuals, HUF, sole proprietors, partnerships, companies, and trusts.
- Experience: Proven experience in KYC/AML operations within a banking or financial services environment.
- Conducted advanced screening to identify potential risks in customer profiles.
- Perform comprehensive watchlist screening and sanction screening against regulatory lists using specialized software.
- Execute PEP screening (Politically Exposed Persons) and identify high-risk customers during the onboarding process.
- Validate the source of funds (SOF) and source of wealth (SOW) for enhanced due diligence.
- Process Advisory & Technical Support: Act as a process adviser for branches across India, providing technical guidance on the CUBE and ZIPPI account-opening platforms.
- Problem Resolution: Resolve complex branch inquiries and supervise escalated issues, ensuring seamless service delivery to branch staff and the broader Operations team.
- Lifecycle Management: Manage periodic profile updates, and coordinate customer outreach initiatives to ensure records remain current and compliant.
- Reporting and Reconciliation: Manage fund reconciliation, and prepare daily MIS reports for submission to the COO and CEO.
- Technical Proficiency: Hands-on experience with Finacle, CUBE, and ZIPPI platform is highly preferred.
- Knowledge: A deep understanding of regulatory guidelines surrounding identity verification and onboarding workflows.
- Analytical Skills: Strong ability to interpret complex legal documents, and perform detailed financial data analysis.
- Identified and mitigated operational risks through effective data organization. while organizing data to forecast performance trends.
- Addressed challenging customer situations to ensure smooth operations and high service standards. and clients to assist lower-level employees and maintain excellent customer service.
- Developed and implemented staff engagement initiatives, enhancing morale and operational quality through gender diversity and cultural programs alongside a robust reporting tool.
- Managed incident updates and resolutions to optimize service delivery and profitability. and managed accessorial charges objectively while maximizing profit.
- Negotiated favorable terms with customers and vendors, decreasing expenses and increasing profitability.
- Executed business strategies to drive revenue growth and expand market reach. increasing revenue, and effectively targeting new markets.
Senior Executive – AML & Compliance
Computer Age Management Services Ltd (CAMS)
Chennai
01.2022 - 02.2023
- Processed and concluded rule-based alerts within Pythagoras Screening Engine (PSE), analyzing system-generated hits to classify them as Relevant, Not Relevant, or Unclear based on deep-dive investigations of customer profiles.
- EDD & Risk Assessment: Perform Enhanced Due Diligence (EDD) for any high-risk customer. This involves validating the Source of Funds (SOF) and Source of Wealth (SOW) to ensure legitimate wealth accumulation and fund movement.
- Regulatory Reporting: Identify, draft, and file Suspicious Transaction Reports (STRs) via eSTR and AMFI-prescribed parameters when suspicious activity is detected.
- Performed Enhanced Due Diligence (EDD) for high-risk customers, validating Source of Funds (SOF) and Source of Wealth (SOW) to ensure legitimacy of wealth accumulation and fund movement.
- Transaction Monitoring and Investigation: Monitor domestic and international transactions to detect a threshold breach or an unusual transaction that deviates from established behavioral patterns.
- Executed negative news screening (adverse media) to identify potential reputational risks, preparing and submitting comprehensive FIU reports to maintain 100% regulatory compliance for all client entities.
- Experience in SOW/SOF verification for high-net-worth (HNW) and institutional clients.
Researcher – DATA
The Deal India Pvt Ltd
Chennai
06.2021 - 01.2022
- Delivered subscription-based corporate data to clients, enabling informed decision-making.
- Analyzed corporate annual reports and ownership structures (UBOs) to identify investment opportunities.
- Researched deal intelligence for The Deal India Pvt Ltd market report.
- Analyzed transaction details for mergers, funding, and acquisitions.
- Gathered industry data from filings, news, and company sources.
Education
Executive MBA - Finance
Loyola College
Chennai, IndiaBachelor of commerce: B.com -
D.G Vaishnav College
Chennai, IndiaSkills
- Reporting proficiency
- Data interpretation
- Transaction monitoring
- Compliance expertise
- Operational Reporting
- KYC
- Client Relationship Management (CRM)
- Problem-solving skills
- Team management
- Strategic planning
- Decision making
- Conflict resolution
- Case management
Languages
Telugu Mother Language, Tamil First language, English Proficient (C2)
Accomplishments
- Handled a team case auditing before submission after progressing my TAT cases for the day in Teleperformance.
- Maintaining of 99% and above quality consistency for past 7 months.
- As been awarded best performer for the month of Apr and June 2025.
Certification
Tally ERP & Advanced Office Automation – Apollo institute of Technology, Chennai (Sep 2017), Basics of Finance & Financial planning – HP Life (2022), Fund Accounting & Investment Banking – Uniqfin Business School, Hyderabad (2024)
Personal Information
- Title: Senior Executive
- Date of Birth: 1997-07-09
- Gender: Male
Languages
English
Upper Intermediate
B2
Timeline
SENIOR EXECUTIVE – Fraud and Risk Analyst
STRAIVE (SPI Technologies India Limited)
12.2025 - Current
SENIOR ANALYST – Transaction Monitoring
Teleperformance
04.2024 - 12.2025
Assistant Manager
DCB Bank Ltd
02.2023 - 01.2024
Senior Executive – AML & Compliance
Computer Age Management Services Ltd (CAMS)
01.2022 - 02.2023
Researcher – DATA
The Deal India Pvt Ltd
06.2021 - 01.2022
Executive MBA - Finance
Loyola College
Bachelor of commerce: B.com -
D.G Vaishnav College