Raja Shekar Subbaiahgounder
11-3-366/A/2 Srinivas Nagar, Parsigutta Secunderabad, Hyderabad Telangana
Summary
Results-driven Fraud Investigator with extensive experience at Cognizant Technology, specializing in chargeback processing and fraud detection. Proven ability to analyze transaction patterns and effectively resolve disputes, enhancing operational efficiency. Skilled in documentation review and providing team support, consistently achieving high accuracy in fraud investigations.
Overview
1
1
year of professional experience
Work History
Fraud Investigator
Process executive ,Cognizant technology pvt Ltd
Hyderabad
03.2024 - Current
- We work in an application called CASPER, where I will get customer-disputed fraud transactions and will start investigating fraud by monitoring customers' transactions for the last six months using the application HOGAN.
- Processing end-to-end chargebacks for fraudulent transactions.
- We will use green and red flags to determine whether the transactions are truly fraudulent or not (transaction pattern in six months with the respective merchant, Reviewed CM usage, merchant history, location history, no valid transactions after the fraud run merchant or not, and a few other checks will be done.)
- Before raising the chargeback initially have to check any merchant credit received for same fraud transaction.
- If it is found fraud, will raise chargeback if transaction is eligible for it with its reason code and type of fraud is matching and will issue provisional credit accordingly.
- Write off and rebill is done for few transactions if it is not eligible for chargeback. Write off taken for minimum trans amount and rebill is done once we get 3 soft denial points that proves customer has done the transaction.
- Have also worked in Pre arbitration process where I will be getting documents of customers provided by acquirer after charge back is raised. Will review the documents and do multiple checks like name of the customer and other particular details matching or not to determine whether customer was involved in the transaction or not. If it is found customer has done the transaction, will accept the case and if details are not matching, will decline the case.
- Experience and working knowledge Debit card and charge back processing as well as visa regulations
- Analyse and understanding reporting and Debit card transaction disputes
- Process chargebacks accurately and efficiently
- Assess cardholder dispute information and documentation and received and makes independent decisions for appropriate action issuing refunds, credits, or write-offs when necessary
- Responding to chargeback requests from issuing bank.
- Perform risk analysis on transactions to determine if there are any fraud patterns.
- Provided floor support when new team joins the floor and assist them in process and updates
Education
MBA - Finance
David Memorial Institute of Mangemant
Telangana , HyderabadB. Com & Computer Application -
David Memorial Degree P.g College
Telangana, HyderabadSkills
- Fraud detection
- Chargeback processing
- Transaction analysis
- Disputes
- Fraud monitoring
- Fraud investigation
- Documentation review
Accomplishments
- Fraud catch identification close to 100 fraudulent merchants with the help of merchant acquiring team of a big fraud
- Received a 100% quality performance award .
- Within six months of joining as a process executive , I received the best performer award from the client .
Languages
- English
- Tamil
- Telugu
- Hindi
- Kannada
Activities
- Telangana district Kabaddi player
Timeline
Fraud Investigator
Process executive ,Cognizant technology pvt Ltd
03.2024 - Current
MBA - Finance
David Memorial Institute of Mangemant
B. Com & Computer Application -
David Memorial Degree P.g College
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