Summary
Overview
Work History
Education
Skills
Certification
Timeline
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Prabal Rout

Risk Operations Associate III, Fraud Operations
Bengaluru

Summary

Dynamic and results-driven Senior Fraud Analyst with over 7.5 years of proven expertise in combating fraud across the fintech and e-commerce landscapes. A strategic powerhouse in fraud risk management, adept at leveraging data analytics, cutting-edge machine learning models, and actionable insights to outmaneuver fraudsters and safeguard revenue. Exceptional in driving end-to-end fraud detection strategies, optimizing prevention frameworks, and delivering tangible business results.

Skilled in SQL, Python, with a razor-sharp ability to uncover emerging fraud patterns, mitigate high-stakes risks, and fortify organizational defenses. A relentless problem-solver with a track record of leading high-impact projects, reducing operational costs, and enhancing customer protection while maintaining top-tier efficiency. Renowned for strong communication, strategic collaboration, and a no-nonsense approach to fraud loss prevention that ensures both business growth and customer trust.

Acclaimed for delivering clear communication, fostering strategic partnerships, and taking a decisive, results-driven approach to fraud prevention—ensuring both business growth and unwavering customer trust.

Overview

2024
2024
years of professional experience
2
2
Certifications

Work History

Risk Operations Associate III, Fraud Operations

Stripe
4 2023 - 8 2024
  • Fraud Strategy & Operations: Consistently achieved over 110% productivity and maintained >99.93% quality, safeguarding Stripe's marketplaces through robust fraud and abuse prevention strategies.
  • Incident Management: Lead POC for high-impact incidents, executive, and social escalations, successfully managing 10+ incidents and reducing investigation time by 20 hours.
  • Glitch Analysis, Tech Improvements & Workflow Optimization: Launched 11 tech improvements (5 implemented), updated Gaia workflows, reduced AHT by 6 hours, and streamlined fraud detection processes for BECS misrouting correction.
  • CDMX(Mexico City) Up-skilling & Nesting Support: Led re-training of the CDMX team with 21 hours of nesting support, enabling full production on Gaia and Underwriting queues and empowering 3 BLR associates as SMEs for future training sustainability.
  • Shift Captain Role: Enhanced team efficiency and visibility through a Shift Adherence Tracker and AHT revamp, implementing an On-call rotation and hoops system to improve escalation management and daily operations prioritization.
  • Training & Mentorship: Designed training programs, up-skilling teams in fraud operations, and empowering 3 associates as SMEs for future knowledge transfer and fostered a culture of continuous learning and development.
  • WBR Preparation: Improved capacity management and backlog reduction through comprehensive WBR reports. Suggested actionable improvements for ATO Jira and Gaia case resolution.
  • Tier 4 queue Launch: Led the successful transition of the Tier 4 Underwriting queue and 12 fraud review types to SDC sites in Bengaluru (BLR) and Mexico City (CDMX). Managed the entire process from planning and training to nesting, ramp-up, and full scale production.
  • Project Leadership (Lupin & Conquer++): Led Project Lupin to reduce user contacts; Workflow changes approved for Vendors and Fraud Ops teams.
  • Initiated Project Conquer++ for ATO Jira prioritizations; webhook integrated and beta testing completed.
  • Cross Collaboration:
  • Credit Ops Collaboration: Partnered with Credit Ops to investigate negative balances caused by carding. Strategized with Fraud and Credit teams to develop a workflow that addressed this issue, enhancing user experience.
  • Partner Risk Ops Collaboration: Worked with Partner Risk Ops to optimize the Risk Escalation Matrix for financial partner queries, establishing TATs for various workflows to ensure quicker response times.
  • Product Support Ops Collaboration: Coordinated with Product Support Operations to refine the carding escalation matrix, preventing merchants/users from incurring significant negative balances due to carding activities.
  • Financial Crime Ops Collaboration: Initiated and supported Fincrime Ops(AML) to enable enforced end user's payout by defining thresholds based on the risk score of the merchants.
  • Created a centralized pipeline with the support of Fincrime Ops to reduce sanctions investigations bandwidth (TAT) having OFAC concerns within the Risk investigations team.
  • Team Leadership: Effectively led the team to consistently meet SLA targets, achieve PTGs, and track KPIs. Provided mentorship, resolved high-level escalations promptly, and fostered a culture of trust and continuous improvement.
  • Recruiting: Played a pivotal role as a top individual contributor in recruiting and onboarding for Stripe's Delivery Centers in Bangalore and Mexico City. Conducted 30+ team screenings, functional, and operational interviews across three key business areas: Financial Crime Operations, Risk Operations, and Product Support Operations.

Risk Operations Associate II, Fraud Operations

Stripe
08.2022 - 03.2023
  • Productivity: Consistently met and surpassed productivity targets, achieving over 110% of the weekly goals while maintaining 100% quality throughout the tenure.
  • Fraud Detection & Prevention: Ensured the protection of all Stripe marketplaces from fraud and abuse by implementing comprehensive trust and safety measures, contributing to long-term customer satisfaction.
  • Queue Management: Trained 3 batches of new hires, ensuring seamless production readiness and resolving access issues. Improved fraud detection response times by optimizing card testing mitigations with the fraud strategy team for high-risk accounts.
  • Nesting and Ramp Support: Developed a prioritization matrix for Fraud Ops queues, significantly improving task efficiency and reducing response time for escalated fraud cases and user impacting queues.
  • Nesting and Ramp Support: Assisted with nesting support, resolved queries, and enhanced scalability of new hires.
  • Daily Standup: Initiated SDC Fraud daily stand-up, improving team productivity and collaboration.
  • Card Testing Mitigations: Worked with key accounts to mitigate card testing attacks, reducing user friction.
  • Training Plan Design: Developed and executed a training plan for new hires, now used as a standard.
  • Escalations Management: Handled fraud-related escalations from partners, reducing user friction and improving collaboration.
  • NZ BECS Workflow: Collaborated on streamlining and updating the NZ BECS workflow for user impact.
  • Team Training Support: Designed structured boot camps and nesting templates, reducing training bandwidth.
  • Card Testing Training: Improved team clarity and response times on card testing reviews with updated training.
  • Westpac Payout Investigations: Improved response times for Westpac investigations, defining clear SLAs and TAT.
  • Financial Partner Queries: Created a Runbook and updated pre-defined Hubble(SQL) queries to streamline financial institution/partner queries, reducing ambiguity and response time.
  • Mentoring: Mentored new hires, leading to significant contributions and error reduction in the team.
  • SLA Management: Created SLA callout's and managed team to consistently meet SLAs during manager's absence.

General Manager

Self Employed
11.2021 - 07.2022
  • Managed the operations of self-owned retail stores, driving efficiencies through automated inventory management systems.
  • Took on additional responsibilities, overseeing the accounting and advertising departments to streamline day-to-day business operations.
  • Automated inventory management processes to enhance visibility and optimize stock levels.
  • Assumed oversight of the accounting and advertising functions, ensuring seamless day-to-day operations.
  • Leveraged a hands-on, solutions-oriented approach to effectively manage all aspects of the retail business.

Workflow Analyst, AWS Fraud Investigations

Amazon Web Services (AWS)
03.2020 - 10.2021
  • Improved Weekly Business Report (WBR) experience by introducing planned vs Actual Non-Production Time (NPT) and variance tables, along with streamlining AWS FIT's dashboards and SLA management.
  • Collaborated with AWS Security and FIT during the 2020 U.S Presidential Election to assess and mitigate potential security threats, while also addressing fraud investigations and improving queue workflows.
  • Worked closely with Business Intelligence and Analytics teams to analyze queue volumes, address SLA issues, and update AWS FIT's workflows, resulting in improved fraud investigation processes.
  • Led multiple process improvement initiatives, including training investigators, managing capacity planning, and enhancing cadence for weekly operations reports and meetings.
  • Acted as the point of contact (POC) for key projects like Paragon tool implementation, workflow updates, and FIT fraud prevention efforts, delivering successful outcomes in scheduling and fraud detection.

Senior Investigation Specialist, AWS Fraud Investigations

Amazon Web Services (AWS)
08.2019 - 02.2020
  • Served as SME for QA, Workflow, and AWS FIT training, leading 2 investigator batches on high-impact queues while consistently exceeding productivity goals (IPH and quality).
  • Actively contributed to the AWS Fun Committee, organizing inter and intra-team events like 'Goonj' and 'Zest'.
  • Mentored 2 investigators, ensuring their performance met desired IPH and quality standards.
  • Responsible for Root Cause Analysis and resolution of a major Activision incident before the launch of Call of Duty: Modern Warfare.
  • Performed post-transaction monitoring analysis on MO (Fraud MO) volumes using SQL to identify patterns, collaborating with the response team to clear fraudulent MOs from queues and leveraging insights to update fraud detection models, enhancing AI accuracy for future transaction monitoring.

Investigation Specialist, AWS Fraud Investigations

Amazon Web Services (AWS)
10.2016 - 07.2019
  • Safeguarded all Amazon marketplaces from fraud and abuse, ensuring long-term buyer satisfaction.
  • Analyzed fraud trends on retail and cloud platforms, preventing fraudulent activity.
  • Collaborated with internal AWS teams to develop risk mitigation strategies through corrective and preventative measures.
  • Detected and prevented high-risk transactions while maintaining a positive customer experience.
  • Led process improvement projects and gained expertise across AWS Variable Fraud queues (T1/T2/T3).
  • Conducted email audits to improve customer query resolution and reduce defect trends.
  • Partnered with AWS Customer Service to minimize customer pain and enhance fraud trend analysis.

Education

Micromasters - Cloud Computing

University of Maryland
Remote
02.2019 - 9 2019

B.E - Information Science & Engineering

Dayananda Sagar College of Engineering
Bangalore
09.2012 - 8 2016

Skills

Fraud Investigations: Transaction Monitoring, Fraud Investigation, Account Takeovers, Phishing, Seller Fraud, Merchant Fraud, Buyer Risk Investigations, Carding, Platform Safety, API Key Leaks, Chargeback Gift Card Fraud, ACH

Risk & Fraud Strategy: Risk Assessment, Detection, Prevention, Response and Recovery, Continuous Loop, Compliance Procedures, Face Recognition, Geolocation & IP Tracking, KPI Monitoring, Risk Reporting, Real Time monitoring, Post Transaction monitoring, Financial Regulations, Machine Learning, Risk Management, Chargeback

Incident Management: Incident Identification, Incident Reporting, Incident Response, Incident Assignment, Incident Analysis, Incident Escalation, Incident Documentation

Stakeholder Management: Stakeholder Identification, Stakeholder Analysis, Stakeholder Engagement, Communication Management, Expectation Management, Conflict Resolution

Leadership & Team Building: Goal Setting & Alignment, Recruitment, Onboarding, Training and Development, Delegation, Conflict Resolution, Feedback Mechanisms, Performance Management, Change Management, Innovation & Growth

Financial Crime: Anti Money Laundering Investigations, KYC Investigations, Banking Fraud, Sanction Investigations, Compliance

Data Analytics: SQL, Python, PowerBI

Workforce Management: Forecasting, Staff Scheduling, Workload Distribution, Real Time Monitoring and reporting, Capacity Planning, Ownership, Analytical Thinking

Certification

AWS Certified Cloud Practitioner, Amazon Web Services, 01/01/22

Timeline

Risk Operations Associate II, Fraud Operations

Stripe
08.2022 - 03.2023

General Manager

Self Employed
11.2021 - 07.2022

Workflow Analyst, AWS Fraud Investigations

Amazon Web Services (AWS)
03.2020 - 10.2021

Senior Investigation Specialist, AWS Fraud Investigations

Amazon Web Services (AWS)
08.2019 - 02.2020

Micromasters - Cloud Computing

University of Maryland
02.2019 - 9 2019

Investigation Specialist, AWS Fraud Investigations

Amazon Web Services (AWS)
10.2016 - 07.2019

B.E - Information Science & Engineering

Dayananda Sagar College of Engineering
09.2012 - 8 2016

Risk Operations Associate III, Fraud Operations

Stripe
4 2023 - 8 2024

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Prabal RoutRisk Operations Associate III, Fraud Operations