SAPNA KUMARI
Bangalore
Summary
Motivated Fraud Prevention Specialist touting more than 3 years of expertise investigating suspicious activity /transactions in banking sector. Knowledgeable resource committed to finding answers and working with clients and interdepartmental personnel. Promoting exemplary skills in analytics and fraud pattern detection. Focused Fraud Analyst with highly developed skills that truly shine when identifying anomalies and teaming up with staff members for brainstorming purposes. A valuable and committed professional with dynamic communication and interpersonal skills. Ready to take on a new role with a company where a strong work ethic and calm demeanor will be appreciated.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Fraud Analyst
Ujjivan Small Finance Bank
Bangalore
07.2019 - 02.2025
- Real-time Fraud Monitoring and Alert Action: Monitored and acted on suspicious alerts generated by the Clari5 application, ensuring timely resolution within a defined timeline.
- Fraud Loss Reduction - Contributed to reducing fraud losses by 17% by analyzing Clari5 alerts, conducting preliminary investigations, and making real-time decisions for precautionary measures to approve or stop transactions, and improving the notional savings for the team.
- Fraud Investigation and Evidence Management - Conducted a preliminary investigation to validate and securely retain evidence in accordance with the team's guidelines.
- Alert Prioritization and Collaboration: Organized and prioritized actions on the alerts, collaborated with various stakeholders to address alerts requiring action, and detailed an on-ground report.
- Data Analysis and Process Improvement - Analyzed data gathered from fraud trends to identify scenario improvements and recommend rationalization of the scenarios to reduce the number of alerts while maintaining the credibility of the Clari5 system.
- Category of frauds discovered: By on-time monitoring and proactive decision-making, I was able to detect fraud based on mule activity, task-based fraud, MLM activity, fictitious offers, cashback fraud, job fraud, illegal trading, investment fraud, betting and gambling fraud, social engineering fraud, and staff misdoings.
- NPCI alerts and chargebacks: Monitored and reviewed alerts shared by NPCI.
- Also, I reviewed fraudulent chargeback cases to safeguard the bank from any upcoming threats.
- 91 CrPC and Cyber Portal Cases: Handling 91 CrPC notices and being responsible for any court or police notices.
- Reviewing and taking suitable actions on the I4C, MHA portal as a nodal officer, with a proactive response to minimize the response time for the complaint submission.
- Used multiple data sources to derive end-to-end fraud performance metrics.
- Reviewed and verified customer documentation to prevent identity theft and account takeover attempts.
- Maintained up-to-date knowledge of fraud trends, techniques, and regulatory requirements affecting the industry.
Officer
Moneyview
03.2018 - 05.2019
- Reviewed and Verified KYC documents, ensuring compliance with banking and company's regulations
- Created comprehensive checklists to ensure all required documents were collected on time
- Uploaded documents to the company portal and ensured timely approval for the accounts
Relationship Assistant
HDFC Bank
02.2017 - 01.2018
- Processed a high volume of loan applications, ensuring accuracy and compliance
- Reviewed KYC documents and ensured compliance with all regulatory requirements
- Provided exceptional customer service by advising customers on the best loan offers and coordinating with them throughout the loan process
Education
Certificate - Data Analytics
Skillovilla
Bangalore08-2034
Bachelor of Commerce -
Punjab University
Chandigarh05.2013
12th -
Jawahar Navodaya Vidyalaya
05.2010
10th -
Jawahar Navodaya Vidyalaya
05.2008
Skills
- Proficient in MS Office Suite
- Statistical analysis
- Understandings of Fraud domain and trends
- Data Visualization and Representation
- Stakeholder Communication
- Team Leadership
- Adaptability and Flexibility
- Good Telephone Etiquettes
- Fraud and anomaly analysis
- Transaction review
- Risk level determination
- Telephone and email etiquette
- Detection models
- Fraud identification
- Trend analysis
- Data analysis
Awards
Contributed to a team effort that won the 2023 Synnex Fraud Risk Management Summit Award for the best Transaction Fraud Monitoring and Decisioning.
Languages
- English
- Hindi
- Punjabi
Languages
Hindi
First Language
English
Advanced (C1)
C1
Punjabi
Advanced (C1)
C1
kannada
Beginner (A1)
A1
Certification
Participated in training at TIMES pro institute
Affiliations
- Problem solving
consistently achieved success in identifying fraudulent activities
- Attention to detail
Identified more than 200 fraudulent accounts with an average value in lakhs through meticulous review of the customer transaction.
APLLICATIONS
- FIANCLE
- CRM
- CLARI5
- CYBER PORTAL
- NPCI
Timeline
Fraud Analyst
Ujjivan Small Finance Bank
07.2019 - 02.2025
Officer
Moneyview
03.2018 - 05.2019
Relationship Assistant
HDFC Bank
02.2017 - 01.2018
Certificate - Data Analytics
Skillovilla
Bachelor of Commerce -
Punjab University
12th -
Jawahar Navodaya Vidyalaya
10th -
Jawahar Navodaya Vidyalaya
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