Extensive experience in risk, fraud and chargeback analysis. Proven ability in customer/vendor management and support for business development and growth. Highly skilled in managing and mentoring team for achieving the business and individual goals. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
11
11
years of professional experience
Work History
Risk, Fraud and Compliance Management
BatchService
Arizona, USA (Remotely -INDIA)
07.2022 - Current
Monitoring new customer accounts, validations, KYC check and compliance regulations
Dialer call audits of new customers, handling customer disputes
SOP / SOP flow creation for new controls and updating for changes in the current controls, Team management, Fraud deductions.
Streamlined systems operations by implementing efficient compliance monitoring processes.
Conducted regular training sessions for staff members to foster a culture of compliance within the organization.
Collaborated with IT team members to ensure seamless integration of new system components for improved functionality.
Enhanced regulatory adherence by conducting thorough internal audits and risk assessments.
Contributed to the development of a risk management framework, enabling the organization to better identify, assess, and mitigate potential vulnerabilities.
Identified gaps in existing compliance processes and recommended updates.
Created and maintained compliant work environment.
Spearheaded technology upgrades that improved system efficiency while maintaining strict adherence to security protocols.
Reduced operational risks with proactive identification and mitigation of system vulnerabilities.
Optimized system performance, implementing necessary software updates and security patches.
Lead Analyst
Subex
Bangalore, India
12.2020 - 03.2022
SOP / SOP flow creation for new controls and updating for changes in the current controls
Ensuring all the alarms generated are analyzed and closed within the defined SLA
Working on new fraud trends and provide solutions on how to implement controls to detect these frauds.
Evaluated potential investment opportunities based on detailed risk assessments, leading to informed recommendations that maximized returns.
Improved overall team efficiency by streamlining processes and implementing new analytical tools.
Analyzed data to identify root causes of problems and recommend corrective actions.
Developed strong relationships with clients, resulting in increased trust and repeat business engagements.
Senior Analyst
Fareportal
Gurgaon, India
05.2016 - 10.2020
Verifications online purchase transactions check VISA, MasterCard, AMEX with the worldwide banks and background check of the customers (US/CANADA/APAC)
Handling disputes and escalations of customer chargeback and bank claims
FMS tools (Accertify).
Mentored junior analysts, fostering professional development while enhancing overall team performance.
Collaborated with cross-functional teams to identify areas of improvement, leading to increased operational effectiveness.
Improved company efficiency with the development of key performance indicators and tracking metrics.
Vendor manager
UrbanClap Technology Ltd.
Gurgaon, India
07.2015 - 01.2016
Doing research and analysis on cities professional databases
Generating Invoices and responsible for account payment to all vendors, Handling disputes and escalations of customers/vendors.
Senior Risk and Fraud Analyst
Omniglobe Information Technology Ltd.
Gurgaon, India
01.2014 - 07.2015
Responsible for Voip Fraud detection and prevention
Blocking call line circuits, Blocking mainline, Customer support.
Evaluated customer data to identify and prevent fraudulent activities.
Analyzed large amounts of data to find patterns of fraud and anomalies.
Tracked fraud cases and monitored trends to develop strategies for prevention.
Performed risk assessments to determine level of fraud risk and prioritize investigations.
Reviewed reports and individual transactions which appeared suspicious to uncover possible fraudulent activity.
Provided training to new team members on fraud detection techniques, enhancing their ability to identify potential threats quickly and accurately.
<ul><li>Company Overview: Group Company of PUIG, Spain</li><li>Team Leadership & Process Excellence: Organised the transformation of the Finance & Accounts function, establishing performance-driven goals, and embedding a culture of accountability and continuous improvement. Drove operational efficiency through process redesigns, SOP implementation and optimal resource deployment, leading to measurable improvements in turnaround time and accuracy.</li><li>Strategic Partnering with CXOs: Acted as a key advisor to the CEO, CFO, and other CXOs on business planning, pricing strategies, and business model pivots to support scale-up and profitability. Contributed to investor communications with data-backed insights to enhance stakeholder confidence and secure strategic funding.</li><li>Cross-Functional & Global Stakeholder Management: Functioned as the strategic finance business partner to cross-functional heads and the PUIG global finance team, aligning local execution with global financial strategies and compliance requirements.</li><li>ERP Transformation & System Automation: Led end-to-end ERP reimplementation to address system gaps, enforce role-based controls, and automate core finance processes—resulting in enhanced data accuracy, faster reporting and improved internal controls.</li><li>Costing, Inventory & Profitability Optimization: Designed and implemented plant-level costing models to ensure accurate COGS determination. Improved inventory management across pricing, consumption tracking, and aging analysis—enabling better working capital control and cost efficiency.</li><li>Manufacturing Finance & Statutory Compliance: Supervised end-to-end accounting for manufacturing operations and ensured full statutory compliance.</li><li>Financial Reporting, MIS & Profitability Analytics: Delivered accurate and timely monthly MIS reports, including P&L, Balance Sheet and KPI dashboards with deep-dive variance analysis across stores, business verticals, and geographies. Supported board-level decision-making through insightful presentations on financial health and business performance.</li><li>Budgeting, Forecasting & Business Planning: Led the Annual Operating Plan (AOP) and rolling forecasts, ensuring alignment with strategic objectives and market dynamics. Monitored key financial metrics to enable business decisions and proactive cost management.</li><li>Statutory, Internal & Tax Audit Management: Finalized standalone and consolidated financials under Ind AS and IFRS, ensured timely group reporting and compliance with international standards. Delivered clean and timely closures of statutory, tax, and internal audits in coordination with Big 4 auditors. Strengthened audit readiness through pre-audit diagnostics and rectification of recurring control gaps.</li><li>Regulatory Compliance & Risk Management: Ensured end-to-end compliance which includes ROC, RBI, FEMA, Income Tax, GST, Transfer Pricing, DTAA, and Customs. Reviewed cross-border contracts and transactions to ensure arm’s length pricing, accurate TDS application, and proper documentation under Transfer Pricing regulations.</li><li>Commercial Negotiation & Contract Governance: Led commercial negotiations and structured deals with vendors and franchisees. Reviewed key business contracts to ensure financial viability, risk protection, and compliance with regulatory standards.</li><li>Treasury & External Commercial Borrowing (ECB): Managed fund planning and liquidity management including ECB drawdowns, bank negotiations, and interest optimization. Improved working capital cycles through proactive cash flow forecasting and receivables control.</li><li>Internal Controls & Governance Framework: Led organization-wide reviews of internal control systems, identified process gaps, and redesigned or implemented over 40 SOPs and IFCs. Established a governance structure for financial discipline, risk mitigation, and policy compliance across departments.</li></ul> at Kama Ayurveda Pvt. Ltd. & PUIG India Pvt. Ltd.<ul><li>Company Overview: Group Company of PUIG, Spain</li><li>Team Leadership & Process Excellence: Organised the transformation of the Finance & Accounts function, establishing performance-driven goals, and embedding a culture of accountability and continuous improvement. Drove operational efficiency through process redesigns, SOP implementation and optimal resource deployment, leading to measurable improvements in turnaround time and accuracy.</li><li>Strategic Partnering with CXOs: Acted as a key advisor to the CEO, CFO, and other CXOs on business planning, pricing strategies, and business model pivots to support scale-up and profitability. Contributed to investor communications with data-backed insights to enhance stakeholder confidence and secure strategic funding.</li><li>Cross-Functional & Global Stakeholder Management: Functioned as the strategic finance business partner to cross-functional heads and the PUIG global finance team, aligning local execution with global financial strategies and compliance requirements.</li><li>ERP Transformation & System Automation: Led end-to-end ERP reimplementation to address system gaps, enforce role-based controls, and automate core finance processes—resulting in enhanced data accuracy, faster reporting and improved internal controls.</li><li>Costing, Inventory & Profitability Optimization: Designed and implemented plant-level costing models to ensure accurate COGS determination. Improved inventory management across pricing, consumption tracking, and aging analysis—enabling better working capital control and cost efficiency.</li><li>Manufacturing Finance & Statutory Compliance: Supervised end-to-end accounting for manufacturing operations and ensured full statutory compliance.</li><li>Financial Reporting, MIS & Profitability Analytics: Delivered accurate and timely monthly MIS reports, including P&L, Balance Sheet and KPI dashboards with deep-dive variance analysis across stores, business verticals, and geographies. Supported board-level decision-making through insightful presentations on financial health and business performance.</li><li>Budgeting, Forecasting & Business Planning: Led the Annual Operating Plan (AOP) and rolling forecasts, ensuring alignment with strategic objectives and market dynamics. Monitored key financial metrics to enable business decisions and proactive cost management.</li><li>Statutory, Internal & Tax Audit Management: Finalized standalone and consolidated financials under Ind AS and IFRS, ensured timely group reporting and compliance with international standards. Delivered clean and timely closures of statutory, tax, and internal audits in coordination with Big 4 auditors. Strengthened audit readiness through pre-audit diagnostics and rectification of recurring control gaps.</li><li>Regulatory Compliance & Risk Management: Ensured end-to-end compliance which includes ROC, RBI, FEMA, Income Tax, GST, Transfer Pricing, DTAA, and Customs. Reviewed cross-border contracts and transactions to ensure arm’s length pricing, accurate TDS application, and proper documentation under Transfer Pricing regulations.</li><li>Commercial Negotiation & Contract Governance: Led commercial negotiations and structured deals with vendors and franchisees. Reviewed key business contracts to ensure financial viability, risk protection, and compliance with regulatory standards.</li><li>Treasury & External Commercial Borrowing (ECB): Managed fund planning and liquidity management including ECB drawdowns, bank negotiations, and interest optimization. Improved working capital cycles through proactive cash flow forecasting and receivables control.</li><li>Internal Controls & Governance Framework: Led organization-wide reviews of internal control systems, identified process gaps, and redesigned or implemented over 40 SOPs and IFCs. Established a governance structure for financial discipline, risk mitigation, and policy compliance across departments.</li></ul> at Kama Ayurveda Pvt. Ltd. & PUIG India Pvt. Ltd.
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