NAINISH KUMAR MISHRA
Bangalore
Summary
Results-driven professional with over 5 years of expertise in payments and e-commerce fraud management, specializing in navigating complex challenges within payment risk. Proficient in addressing critical issues such as authorized and unauthorized scams, account takeovers (ATO), profile takeovers (PTO), and various forms of fraud including credit card and check fraud. Extensive experience spans a diverse range of transaction types, including core banking products, peer-to-peer payments, and e-commerce transactions, complemented by a strong ability to manage payment method handling (PMH) and identity theft concerns. Recognized for analytical acumen and exceptional customer service, consistently delivering strategic insights that drive impactful process improvements in high-pressure environments.
Overview
5
5
years of professional experience
10
10
Certification
Work History
Fraud Detection Analyst II
PwC
08.2024 - Current
- Proactively identified and mitigated Scam, Abuse, ATO, PTO, First Party Fraud, ID Theft, COC, AOC and other fraudulent activities.
- Conducted in-depth investigations to uncover fraud patterns and root causes.
- Implemented effective mitigation strategies to safeguard customer accounts and minimize financial losses.
- Collaborated with cross-functional teams to enhance fraud prevention measures and improve overall risk management.
- Contributed to developing business continuity plans focused on minimizing the impact of fraudulent incidents on operations while protecting sensitive customer information.
- Streamlined communication between departments by establishing clear reporting protocols during the investigation process, reducing case resolution timeframes.
- Increased efficiency of fraud detection systems by continuously optimizing monitoring processes and procedures.
- Maintained a high level of knowledge about emerging fraud schemes, enabling proactive response to potential threats.
- Performed thorough investigations of suspicious transactions, leading to the successful recovery of stolen funds.
- Analyzed large volumes of complex data sets using various statistical methods, uncovering hidden patterns indicative of fraudulent activity more efficiently than traditional approaches allowed.
- Performed risk assessments to determine level of fraud risk and prioritize investigations.
- Analyzed large amounts of data to find patterns of fraud and anomalies.
- Summarized all key information regarding investigation into detailed report for delivery to client.
- Assisted in creating training materials for new team members, resulting in faster onboarding and increased productivity.
- Reduced instances of fraud by proactively identifying patterns and trends in fraudulent activities.
Risk Analyst
Noon E-commerce India Pvt Ltd
12.2023 - 08.2024
- Minimized fraudulent claims by thoroughly reviewing transaction data and substantiating evidence provided by merchants or customers.
- Exceeded performance metrics for chargeback resolution timeframes and customer satisfaction scores on a consistent basis.
- Maintained thorough knowledge of changing industry regulations, ensuring compliance in all chargeback processes.
- Conducted detailed analysis of merchant and transaction data, enabling informed decisions on risk and creditworthiness.
- Utilized data visualization techniques to present and explain complex data sets.
- Responded to customers' complaints regarding service and product quality to solve issues.
- Updated and developed scripts and queries to extract and analyze data from multiple sources.
- Analyzed complaint data to identify root causes, trends, issues and regulatory concerns.
- Tracked, monitored and worked with stakeholders to address issues identified through root cause analysis.
- Reviewed contracts and agreements to identify potential risks and ideal mitigation strategies.
- Collaborated with cross-functional teams to develop comprehensive automation plans, ensuring optimal results and performance.
- Streamlined business processes for increased efficiency with the development of customized automation solutions.
Senior Fraud Analyst
Cognizant Technology Services
07.2021 - 12.2023
- Utilized cloud tools for prompt identification and prevention of fraudulent transactions on specific dates.
- Employed Looker Studio dashboard for real-time monitoring, receiving alerts, and gaining hands-on experience in fraud prevention.
- Conducted in-depth analysis of system-generated alerts indicating spikes in transactions on specific dates.
- Played a key role in the Escalation Management Team process, addressing escalated issues, bugs, and collaborating with agents for resolution.
- Generated comprehensive reports by maintaining detailed records of account attributes, distinguishing between non-fraud and fraud accounts to determine percentages.
- Investigated fraud trend scenarios in collaboration with Risk Operations, resolving KYC and customer dispute cases related to payment accounts.
- Conducted thorough analyses on accounts as Risk analyst, addressing potential issues like cookie theft, Account Takeover (ATO), Account Hijacking (ACH), Profile Takeover (PTO), Peer-to-Peer (P2P) Payments, and Identity Theft.
- Reviewed authorized and unauthorized transactions to ensure transaction security and implemented measures to enhance security and prevent fraudulent activities.
- Analyzed large datasets to identify patterns of fraud and anomalies in user behavior related to Anti Money Laundering (AML), declines and chargebacks.
Analyst
Apptad Technologies
08.2020 - 07.2021
- Reviewed contracts and agreements to identify potential risks and ideal mitigation strategies.
- Produced and filed reports to inform senior management of current activities and progress with investigations.
- Performed regular maintenance on reporting database to ensure optimal system performance and data integrity.
- Collaborated with cross-functional teams to gather essential information for creating impactful dashboards and reports.
- Improved internal knowledge sharing by developing comprehensive documentation outlining standard operating procedures for various tasks.
Campus Manager/Ambassador
slice
10.2019 - 05.2020
- Served as the point of contact for Slice on campus.
- Promoted Slice, introduced students to its offerings, and onboarded them onto the platform.
- Completed verification processes for Slice users within specified timeframes.
- Executed marketing events, contests, and campaigns to engage the campus community.
- Onboarded over 250 students to Slice and provided guidance on the EMI process.
Site Manager
Hungerbox
05.2018 - 07.2018
- Supervised and monitored day-to-day operations to ensure efficient workflow and adherence to standards.
- Implemented FIFO procedures for optimal inventory management, minimizing food wastage.
- Trained and managed vendors to maintain quality standards and ensure efficient service delivery.
- Provided excellent customer service, addressing queries promptly and building strong relationships with clients.
- Supervised staff, conducted training, and maintained a positive work environment.
- Successfully introduced and promoted the Hungerbox app to clients and end consumers.
- Prioritized health and safety standards, ensuring a clean and sanitized work environment.
Education
MBA - Operations & Marketing
Presidency University
01.2020
BCA - Information Technology
Cybotech Campus
01.2017
Skills
- Anti Money Laundering
- Know Your Customer
- Proficient in Lexis Nexis
- Account Hijacking
- Transaction Monitoring
- Customer Risk Assessment
- Counterparty Risk Assessment
- Fraud Detection & Prevention
- Chargeback Handling
- Dispute Resolution
- Operational Risk
- Data, Risk & Trend Analysis
- Quality Control
- VBA & Google App Script
- HTML & CSS
- Microsoft Excel
- Data Visualization
- Excellent Communication
- Problem-Solving
- Decision-Making
- Self-Motivated
- Critical Thinking
- Report Writing
- Report Preparation
Certification
Microsoft Power BI
SQL Server 2022
Google Looker Data Studio
Microsoft Excel
ISO-27001-2022
Governance, Risk, and Compliance
Cybersecurity
Identity and Access Management
Google Ads Video
Google Ads & Measurement
Languages
English
Hindi
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Work Preference
Work Type
Full TimeContract WorkWork Location
On-SiteRemoteHybridImportant To Me
Career advancementCompany CultureWork-life balanceFlexible work hoursPersonal development programsHealthcare benefitsWork from home optionPaid time offTeam Building / Company RetreatsPaid sick leaveTimeline
Fraud Detection Analyst II
PwC
08.2024 - Current
Risk Analyst
Noon E-commerce India Pvt Ltd
12.2023 - 08.2024
Senior Fraud Analyst
Cognizant Technology Services
07.2021 - 12.2023
Analyst
Apptad Technologies
08.2020 - 07.2021
Campus Manager/Ambassador
slice
10.2019 - 05.2020
Site Manager
Hungerbox
05.2018 - 07.2018
BCA - Information Technology
Cybotech Campus
MBA - Operations & Marketing
Presidency University
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