Pawan KUMAR BHARATI
Kolkata
Summary
A result-oriented professional with over 6 years of experience in detection of Fraud in cards industry specially in U.S. leading cards and aggregator, Training & Development and Team Management. Skilled in Identifying Fraud Trends & Patterns for error free delivery with the help of Comprehensive knowledge of the types of credit/debit card frauds. Effective leader with excellent negotiation and communication skills to sustain growth momentum while motivating peak individual performances.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Transaction Monitoring Analyst
Tata Consultancy Services
03.2024 - Current
- Working with the fraud investigation team, analyzing the sales transactions and approving or cancelling the refunds and holding funds accordingly.
- Analysis of the merchant's account about the chargebacks and sale volumes and adding them databases in case of red flags.
- Addressing the emails from the associated merchant's regarding transactions and redirecting them to the concerned support team.
Fraud Detection Analyst
Tata Consultancy Services
01.2019 - 02.2024
- Monitor and analyze financial transactions in real-time to detect fraudulent patterns
- .Working on pre-built applications and reviewing/testing the triggered transactions as per logics defined by client.
- Fraud Investigation relating to debit and credit cards, real-time transaction testing/review and analysis for ATO, Counterfeits and Fallback transactions.
- Analyzed card transaction patterns to detect and prevent fraud, ensuring customer and bank security.
- Summarized all key information regarding investigation into detailed report for delivery to client
Financial /Financial Reporting Analyst
Tata Consultancy Services
11.2017 - 01.2019
- Financial/Reporting Analyst with expertise in financial reporting, data accuracy, and compliance. Skilled in generating General Ledger and Trial Balance reports using Tableau and Oracle. Ensured SOX compliance by managing timely data roll-overs and maintaining audit readiness. Implemented internal controls to safeguard financial reporting integrity. Proficient in Tableau for data visualization and Oracle for database management.
Mortgage Documents Indexer
Tata Consultancy Services
07.2015 - 10.2017
- Mortgage indexing in the USA is the systematic organization and storage of mortgage-related documents for easy retrieval. It involves stacking documents in a specific order to create a complete, organized file. This process ensures efficient loan servicing, regulatory compliance, and readiness for audits or legal needs while helping lenders and servicers maintain workflow efficiency and assist borrowers promptly.
Education
Bachelor's - Finance And Accounting
Calcutta University
2014
Skills
- Fraud Detection & Prevention
- Transaction Monitoring
- Reporting & Documentation
- Team Management
- Communication & Collaboration
- Regulatory Compliance
Certification
- Certificate in Forensic Accounting and Fraud Examination, COURSERA, 2024
- Certificate in Anti-Money Laundering, Concepts: AML KYC and Compliance, UDEMY, 2021
- Certificate in Banking Frauds - Basics of Fraud, 2021 (TCS)
- Certificate in Cards Fraud under TCS training programme., 2018
Appreciations and Awards
- Beyond Performance Awards,Feedback Enabler Certificate,Career Management Awards (2025)
- Learning Achievement Award (2024)
- Special Initiative Award (2022)
- Awards for Excellence, Star of the Month Award (2022)
Timeline
Transaction Monitoring Analyst
Tata Consultancy Services
03.2024 - Current
Fraud Detection Analyst
Tata Consultancy Services
01.2019 - 02.2024
Financial /Financial Reporting Analyst
Tata Consultancy Services
11.2017 - 01.2019
Mortgage Documents Indexer
Tata Consultancy Services
07.2015 - 10.2017
Bachelor's - Finance And Accounting
Calcutta University
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