Shubham Garg
Gurgaon
Summary
Hardworking and Competent Analyst well-versed in reviewing financial documents, preparing loan packages and making recommendations based on risk values. Offering excellent time management and interpersonal skills and a desire to work in diverse financial roles. Relentless professional known for working hard to determine risk levels. A well-spoken Fraud Analyst promoting exemplary talents in reviewing accounts and identifying issues.
Overview
5
5
years of professional experience
3
3
Certification
Work History
Sr. Analyst
Accertify (Former AMEX)
Gurugram
05.2024 - Current
- Utilized a combination of external vendor tools and internal client licensee applications to scrutinize transactions in automated real-time queues for fraud case management.
- Contributed to timely resolution of customer inquiries and fraud investigations through meticulous documentation of case notes.
- Achieved improved customer satisfaction by maintaining comprehensive records within support CRM and fraud management applications.
- Multi- Factor Authentication and Dormant Accounts Password Resets
- IP Geolocation and Proxy Detection.
- User Behavior Analytics and identity insights
- Conducted analysis and refinement of decision rules engine and machine learning models to proactively eliminate old instruments linked to fraudulent activities.
- Helping in Performance monitoring and optimization by preparing reports for False Positive, False Negative, OPD reports and Weightage average for all dashboards.
- Links Analysis and Escalation support - manage inbound escalation channels and traige escalation cases to defined POCs for resolution
- Fraud remediation and Recovery of ATO customers using SNow application
- GLF market management, FSI, card redemption and customer reimbursements
- SR Abuse monitoring and enforcement
- Managing 24/7 investigative teams for real time fraud alerts and Ad Hoc requests
Sr. Analyst
American Express (Accertify)
Gurugram
07.2022 - 04.2024
- Investigated flagged transactions for signs of fraud or AML violations, ensuring compliance with regulatory standards.
- Analyzed historical data patterns to improve transaction monitoring rules, significantly reducing false positive alerts.
- Utilized advanced analytical techniques to uncover fraud patterns and anomalies within large data sets.
- Enhanced AML/KYC compliance by conducting thorough customer due diligence and risk assessments.
- Keeping track of team's CIE and Chargeback rate (below 1%), handling queries, publishing Analyst Summary reports to monitor colleagues hourly performance.
- Working on special FLS Client simultaneously and handling multiple clients same time.
Business Analyst
Genpact
Hyderabad
04.2021 - 07.2022
- Reviewed and interpreted financial statements to assess credit risk, ensuring compliance with international banking standards.
- Analyzed client credit performance trends and generated detailed reports for clients categorized under special assets.
- Evaluated financial statements and developed intricate spreadsheets to uncover trends essential for risk evaluation.
- Analyzed applicant's financial status and bank statements to identify ACH transactions and reasons for return to ACH to determine loan feasibility
- To carry out 100+ different types of credit reviews and submit it to approval authorities along with recommendations
- Evaluated potential threats and vulnerabilities, recommending targeted mitigation measures based on observed suspicious behavior patterns.
- Performed thorough due diligence assessments to safeguard organizational interests against potential risks from high-risk clientele using investigative tools such as RDC, World Check, Google research, Actimize, etc. to determine possible/confirmed derogatory news and sanctions.
- Managed client relations and communications.
- Performing sampling QA for all the analyst and training for all the new joiners.
- Proved successful working within tight deadlines and fast-paced atmosphere
- Drove continuous improvement by offering constructive suggestions and actively engaging in problem-solving activities to enhance team collaboration.
- Exceeded average number of financial analysis done monthly by 50%.
Education
MBA - Finance And Marketing (Regular)
Amity University
Noida, India08-2021
Skills
- Financial statements expertise
- Data analysis
- Credit risk
- MS Office tools
- CDD and EDD
- Observation & Soft skills
- Leadership & Team cohesiveness
- Transaction monitoring
Certification
- Certified in Financial Modelling and Valuation, Internshala- March 2021
- Certified in Microsoft Power BI - May 2022
- Certification of Internship
Hobbies
Cinema
Music
Cricket and Basketball
Traveling
Socializing
Accomplishments
- Achieved 98% accuracy and efficiency by comparison of outputs in 2 months
- Becoming QC analyst in a short span of 1 year
- Silver award for Special Team Project for outstanding contributions and values for 2 consecutive quarters
Languages
English
Advanced (C1)
Hindi
Advanced (C1)
French
Intermediate (B1)
Timeline
Sr. Analyst
Accertify (Former AMEX)
05.2024 - Current
Sr. Analyst
American Express (Accertify)
07.2022 - 04.2024
Business Analyst
Genpact
04.2021 - 07.2022
MBA - Finance And Marketing (Regular)
Amity University