Anti-Money Laundering Compliance
Sanmesh Chalke
Payment Infrastructure | Credit & Debit Cards | Transactions Processing
Mumbai,MH
Summary
More than 8 years of experience in transaction authorization, debit & credit card operations, and payment risk management within the banking industry.
Currently working with Kotak Mahindra Bank as a Manager in Debit & Credit Cards, specializing in enabling secure and seamless payment experiences for banks and customers while supporting higher approval rates through transaction intelligence and process optimization.
Skilled in transaction monitoring, authorization controls, team handling, operational efficiency, and customer-centric problem solving. Recognized for developing fresh concepts and implementing practical solutions to complex operational challenges. Strong believer in continuous learning, adaptability, and performance improvement, with the ability to transform lessons from setbacks into opportunities for growth and organizational success.
Overview
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Work History
Manager
Kotak Mahindra Bank
03.2022 - Current
- Streamlined debit card authorization processes, monitored transactions, resolved customer issues, and ensured operational compliance.
- Strong ability to manage daily operations efficiently while achieving productivity and customer-centric goals in a fast-paced banking environment.
- Managed and motivated employees to be productive and engaged in work.
- Obtained prior and ongoing authorization for services in a timely manner.
- Responsible for maintaining an accurate and correct database of financial and authorization data.
- Analyze the transactions and properly report data for supervisors.
- Updated internal logs and email resources while collaborating with the team and leadership.
- Explained transactions and RBI regulations to resolve service provider and customer issues, effectively de-escalating conflicts.
- Liaising with the teams at Visa, Mastercard, NPCI, and Wibmo to assess new prospects, enhance product use, and promote company expansion.
- Monitor credit card fraud, coordinating with the RCU team to assist clients in minimizing the risk.
Asst. Manager
Axis Bank Ltd.
08.2017 - 02.2022
- Charged with timely acquiring prior and ongoing authorization for service.
- Monitored decline transactions and requested cancellations for preventable declines.
- Keeping an eye out for fraudulent purchases, and banning the card if anything unusual is found.
- Monitored transactions for signs of fraud, and flagged suspicious activity.
- Working in conjunction with the vendor Wibmo to maintain IVR and VBV (Verified by Visa) transactions.
- Prepared daily and monthly authorization reports for performance tracking.
SR. Service Executive (CD)
Bajaj Finserv Limited.
01.2013 - 08.2017
- I have been recognized for exceptional services and contributions toward work in the organization.
- My very first role is handling customers by providing services.
- CD is the basic product that I have been handling for five years.
- Handling one location branch with three team members.
- I assisted the Back Office Coordinator and Operations Team for two years, enhancing operational efficiency.
Education
MBA - Finance
Mission Vinayaka Institute
Karnataka12-2016
Bachelor of Commerce - Commerce
Mumbai University
Mumbai03-2013
Skills
Team leadership
Process optimization
Strategic planning
Decision-making
Operations management
Certification
Anti-Money Laundering Compliance
Interests
Swimming, Explore Travelling, Reading
Timeline
Anti-Money Laundering Compliance
03-2025
Manager
Kotak Mahindra Bank
03.2022 - Current
Asst. Manager
Axis Bank Ltd.
08.2017 - 02.2022
SR. Service Executive (CD)
Bajaj Finserv Limited.
01.2013 - 08.2017
MBA - Finance
Mission Vinayaka Institute
Bachelor of Commerce - Commerce
Mumbai University