Prakriti Negi
Pune,India
Summary
CAREER SUMMARY
As a Banking Operations Specialist at Tata Consultancy Services, I've been heavily involved in managing credit card operations, particularly focusing on dispute resolutions. My past roles have required me to efficiently handle various disputes raised by customers regarding unauthorized transactions, chargebacks, and billing errors. I carefully examine each case, reviewing transaction history, communication logs, and any accompanying documentation to make informed decisions. Throughout this process, I've developed strong investigative skills which have allowed me to identify patterns and root causes of disputes.
Additionally, customer satisfaction is my top priority, so I always ensure to communicate transparently with clients, keeping them informed about the status of their disputes. This involves explaining complex banking terms in a manner they can easily understand, setting realistic timelines for resolution, and providing them with updates proactively. Utilize advanced tools such as Visa Online and MasterCard Connect to detect and monitor suspicious activities in
real-time.
Collaborate with compliance teams to ensure adherence to U.S. regulations (REG-E,REG-Z)and industry standards.
Prepare detailed reports for internal audits, regulatory filings, and fraud trends analysis, increasing transparency in
fraud risk assessments.
Leadinvestigationsintocomplexfraudcases,cardfraud,andtransactiondisputes,reducing
Fraud losses.
My efforts have not only resolved disputes effectively but have also led to the implementation of new processes aimed at reducing future discrepancies, showcasing a proactive approach to banking operations. Understanding the nuances of chargebacks and credit card operations has made me adept at navigating this complex landscape
Overview
3
3
years of professional experience
1
1
Certification
Work History
Banking Operations Specialist
Tata Consultancy Services
Pune, Maharashtra
10.2022 - Current
- Managed complaints with calm, clear communication and problem-solving.
- Maximised customer engagement and satisfaction by delivering excellent customer service.
- Analysed transactional data to identify fraudulent activities, reducing financial losses for the company.
- Evaluated customer feedback to enhance fraud prevention measures and improve client satisfaction.
- Negotiated insurance policies, securing optimal coverage for organisational assets at competitive rates.
- Kept internal financial controls aligned with Generally Accepted Accounting Principles (GAAP) and International Financial Reporting Standards (IFRS).
- Addressed and resolved customer inquiries related to KYC processes, improving customer relations and trust.
- Assessed risk information to deliver standard and ad hoc risk reporting for board, committees and other management meetings.
- Collected tax returns and utility bills to process loan applications, verifying capacity to pay.
- Conducted thorough investigations into customer transactions to identify potential money laundering activities, adhering to regulatory compliance standards.
- Utilised advanced analytics tools to monitor transactions in real-time, promptly identifying suspicious activities.
- Prepared detailed reports on fraud investigation outcomes, providing valuable insights for process improvement.
Education
Bachelor of Arts - Arts
MIT ADT University
Skills
- Banking operations
- Card operations
- Credit card dispute resolution
- Fraud Analysis - Investigation, Visa Online -
- MasterCard Connect, Charge-backsDisputes Management, Team LeadershipMentoringFraud Prevention StrategiesRegulatory Compliance(REG-E,REG-Z)Data AnalyticsReporting, Risk - MitigationControl
Websites, Portfolios and Profiles
linkedin.com/in/prakriti-negi-4bb281202
Languages
English
Advanced
C1
Certification
Xcelerate Warrior Certificate
TCS Elevate Wings1- RIG Domain Curriculum
TCS Elevate Wings1- RIG HiTech CMI Domain Curriculum
Personal Information
Timeline
Banking Operations Specialist
Tata Consultancy Services
10.2022 - Current
Bachelor of Arts - Arts
MIT ADT University
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