Summary
Overview
Work History
Education
Skills
Accomplishments
Languages
Details
Awards
Timeline

Moumita Ghosh

Bangalore

Summary

Highly motivated and detail-oriented Transaction Risk Investigator with 5+ years of experience in detecting and mitigating potential risks in financial transactions. Strong communication and problem solving skills, with a track record of effectively presenting findings and recommendations to stakeholders. A dedicated professional committed to maintaining the integrity and security of the financial systems.

Overview

5
5
years of professional experience

Work History

Fincrime Analyst - Chargebacks

Revolut
10.2023 - 04.2024
  • Investigated and resolved disputes between merchants and customers regarding credit card transactions.
  • This involved reviewing evidence, communicating with relevant parties, and ensuring compliance with processor regulations i.e VISA, MasterCard, BNP, Netgiro, Chase, Synchrony, AMEX, Discover.
  • For unauthorized transactions, it was crucial to verify if the cardholder indeed authorized the transaction. This may involve reviewing any authentication methods used during the transaction, such as PIN verification, CVV code, or 3D Secure (e.g., Verified by Visa/MasterCard).
  • Evaluate the transaction for signs of fraud, such as unusual purchase activity, discrepancies in shipping addresses, or patterns indicative of fraudulent behavior.
  • Gathering and organizing evidence to support the merchant's case against the chargeback. This may include transaction receipts, shipping information, proof of delivery, and any other relevant documentation.
  • Document all findings and actions taken during the investigation process. This documentation is crucial for compliance purposes and may also be used for reporting chargeback trends and analysis.
  • Engaging in money recovery in accordance with card scheme rules and internal policies.


Sr. Authentication Specialist

Amazon
10.2021 - 06.2023
  • Worked as Sr.Quality Specialist with the goal of identifying potential process gaps, carrying out leadership tasks for the team, bridge the gap between leaders and investigators.
  • Quality specialist with the goal of identifying potential process gaps, carrying out leadership tasks for the team, bridge the gap between leaders and investigators
  • Monitoring and analyzing counterfeit trends and activities in the market to proactively identify potential risk
  • Conducting in-depth investigations of suspicious products to determine their legitimacy
  • Developing and enhancing multiple process gaps and displayed tool improvement ideas
  • Participating in the development and testing of new risk monitoring tools and technologies
  • Performed quality audits for the Bangalore site and globally
  • Identified multiple higher impact fraud patterns, which helped minimize risks
  • Conducted training and mentoring 5 New Hire batches to educate them about counterfeit risk and prevention measures
  • Performed 100+ global escalations trend analysis.

Authentication Specialist

Amazon
03.2019 - 10.2021
  • Worked as quality specialist with the goal of minimizing counterfeit, infringement, listing abuse, money laundering on Amazon's online platform
  • Conducted end to end supply chain verification
  • Delivered 100% accuracy with a '0' reversal rate of enforcement action high-risk performance accounts
  • Winner of Zero-defect challenge consecutively for 8 quarters
  • Facilitated employee engagement activities for the improvement of Amazon employee office experience
  • Part of Worldwide Buddy Project Role of an advisor for processing queries raised by investigators worldwide
  • Have been handling Escalations received in the department
  • Constructing Process Knowledge Test for the whole department worldwide
  • Have identified fraud patterns and took actions to minimize risks
  • I have been promoted to Authentication Specialist from an investigator, who handles higher decision making and enforcements for the seller in Amazon Platform
  • Mentored a group of employees to achieve 100% quality in the process.

Education

Intermediate -

Jindal Vidya Mandir, Bellary, Karnataka
Percentage: 83.3%

B.Tech in Aeronautical Engineering - undefined

Nitte Meenakshi Institute of Technology
06.2018
  • NCC Cadet, holds 'C' Certificate with an 'A' grade
  • Actively Participated in Road Safety rallies, Swacch Bharat Rallies being part of NCC
  • Simulation of Multi-Element Aerofoil using RANS equation
  • GPA: 8.4

High School, Physics, Mathematics, Computers, Chemistry - undefined

Jindal Vidya Mandir, Bellary, Karnataka
04.2014
Percentage: 76%

Skills

  • Communication and Collaboration
  • Leadership and Mentoring
  • Risk Assessment and Mitigation
  • Proactive and Reactive Investigations
  • Critical thinking
  • Programming Languages - C, C
  • Databases - SQL
  • Applications - Microsoft Office, MS Excel
  • Chargeback - Fraudulent Transactions

Accomplishments

  • Achieved 69% reduction in process errors by providing regular refreshers and support to the team.
  • Created learning flowchart modules on the processes to maintain the investigation flow without missing any important.

Languages

English
Hindi
Kannada
Bengali

Details

Bangalore, India, 09611828093, mghosh0112@gmail.com

Awards

  • The innovator Award (December 2022) - to raise the most number of process improvement ideas.
  • The Marvel Award (May 2020) - to resolve the most number of investigations with zero defect.
  • Winner of Zero-defect challenge consecutively for 12 quarters (2019-2021).

Timeline

Fincrime Analyst - Chargebacks - Revolut
10.2023 - 04.2024
Sr. Authentication Specialist - Amazon
10.2021 - 06.2023
Authentication Specialist - Amazon
03.2019 - 10.2021
Jindal Vidya Mandir - Intermediate,
Nitte Meenakshi Institute of Technology - B.Tech in Aeronautical Engineering,
Jindal Vidya Mandir - High School, Physics, Mathematics, Computers, Chemistry,

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