Sana Kausar
Certified Fraud Analyst Using AI
Bengaluru
Summary
Financial Crime Specialist experienced in fraud investigation, AML/KYC controls, and risk mitigation within high-stakes banking and healthcare environments. Delivered effective real-time fraud detection and managed regulatory disputes through precise documentation and escalation handling. Focused on fostering collaboration and ensuring compliance while driving results through analytical insights and team coordination.
Overview
4
4
Languages
12
12
Certifications
15
15
years of professional experience
Work History
Financial Crime and Fraud Investigation Specialist
J.P. Morgan Chase Bank
09.2020 - Current
- Monitored real-time transaction activity to detect and prevent fraud, AML-related activity, and kiting schemes, reducing potential financial losses through early intervention.
- Conducted end-to-end investigations by applying bank policies, risk frameworks, and internal controls to identify fraud patterns and confirm suspicious activity.
- Strengthened daily risk mitigation by reviewing transaction behavior, escalating high-risk cases, and taking preventive action to stop losses before they occurred.
- Managed high-risk account actions, including authorizing valid payments, stopping fraudulent transactions, and executing relationship terminations (BIC) when required.
- Implemented corrective actions to improve customer outcomes while maintaining compliance with bank procedures and state regulatory requirements.
- Streamlined case resolution by collaborating with cross-functional teams, creditors, third parties, and external banks to support investigations and reduce delays.
- Supported fraud trend detection through analysis of customer behavior, transaction patterns, and emerging risk indicators.
- Handled high-priority escalations, including complex cases that may or may not involve confirmed fraud activity, ensuring accurate and timely decisions.
- Served as a Subject Matter Expert (SME) and coach during 6-month secondment roles by training and developing team members in fraud detection techniques.
- Drove team performance by monitoring productivity metrics, providing corrective feedback, and supporting workforce operations including scheduling, adherence, and operational targets.
Insurance Senior Process Executive (US Healthcare)
Cognizant Technology Solutions
08.2018 - 01.2020
- Processed healthcare claims for U.S providers ensuring 100% adherence to PHI and HIPAA regulations.
- Provide claim status updates and patient benefit information to providers with high attention to detail and policy adherence.
- Ensure confidentiality, data security, and quality standards across all claim processing activities.
- Perform quality monitoring to maintain service accuracy and compliance requirements.
- Identify process gaps and propose improvement ideas to enhance operational efficiency.
- Train new joiners on CSAT expectations, process guidelines, and workflow updates to improve team capability.
- Share process updates and ensure team alignment with new guidelines and policies.
- Handle escalations and contribute to projects aimed at improving overall process performance.
Customer Service and Sales Analyst
Redfin Business Solutions
05.2013 - 05.2018
- Synthesized sales performance and customer usage patterns to implement process improvements and retain customers.
- Deliver actionable insights to support revenue growth, reduce service issues, and improve overall customer experience.
- Collaborate with sales, technical support, supply chain, and product teams to improve processes and optimize device lifecycle management.
- Contribute to field service optimization initiatives, and cross-functional performance improvement.
- Track and report sales performance and operational KPIs.
- Maintain accurate datasets related to device sales, service activity, activation trends, and performance.
- Partner with product managers to analyze firmware issues, hardware defects, and performance gaps.
- Track stock levels, logistics flow, and device lifecycle status to support operational planning.
Tax Associate – US Taxation
Ocwen Financial Solutions
05.2011 - 11.2011
- Verified tax payment records by coordinating directly with US tax officials, maintaining 99% accuracy rate in compliance reporting.
- Processed on time payments to federal and state government entities, ensuring 100% on-time submission.
- Recovered outstanding dues through structured outreach process, resulting in successful resolution of delinquent accounts.
- Resolved escalated issues involving tax payments, liens, and property-related concerns.
- Managed purchased properties in lien-related cases, as required by process.
Education
M.A. - English
Rabindranath Tagore University
Bengaluru01-2022
B.B.M., Bachelor of Business Management - Business Management
HKBK College
Bengaluru01-2011
Skills
Fraud Detection and prevention
Dealing with Real-time fraud
Suspicious activity reviews
Account closures
Risk assessment
Regulatory compliance
Transaction monitoring
Experience in operating loss prevention strategies
Debit & Credit transaction processing
Cross functional collaboration and SLA support
Leadership Skills
Critical thinking
Logical reasoning
Certification
Pro-AML: Setting the right compliance framework with robust U.A.E AML/CFT policies and procedures.
Timeline
Financial Crime and Fraud Investigation Specialist
J.P. Morgan Chase Bank
09.2020 - Current
Insurance Senior Process Executive (US Healthcare)
Cognizant Technology Solutions
08.2018 - 01.2020
Customer Service and Sales Analyst
Redfin Business Solutions
05.2013 - 05.2018
Tax Associate – US Taxation
Ocwen Financial Solutions
05.2011 - 11.2011
M.A. - English
Rabindranath Tagore University
B.B.M., Bachelor of Business Management - Business Management
HKBK College
AWARDS & HONORS
- Excellence Champion Team Award, JPMorgan Chase & Co- Yr 2023
- Q3 and Q4 (2023, 2024, 2025), Excellence Individual Championship Award, JPMorgan Chase & Co
- Q1 and Q2 (2024, 2025), Top Performer of the Month, JPMorgan Chase & Co
- 2023, 2024 and 2025, Quality Champ, JPMorgan Chase & Co
- Continuous recognition.