Subhashini Shukla
Gurugram
Summary
Results-driven Chargeback Analyst with nearly 3 years of experience in chargeback operations, fraud investigation, dispute resolution, and transaction analysis within the banking and financial services industry. Skilled in chargeback representments, fraud detection, risk assessment, and KYC verification, with strong analytical and problem-solving abilities. Committed to delivering accurate and high-quality outcomes while contributing to fraud prevention and operational excellence. Seeking a Chargeback Analyst, Fraud Analyst, or Risk Analyst role to leverage my expertise and contribute to organizational success.
Overview
3
3
years of professional experience
Work History
SRS Chargeback Analyst
Accertify
Gurugram ( Hybrid )
10.2024 - Current
- Investigate and manage end-to-end fraud and non-fraud chargeback disputes, ensuring compliance with Visa, Mastercard, and other card network regulations.
- Handle 30–40 chargeback cases daily for the client Disney, preparing strong representments with supporting evidence to maximise merchant recovery.
- Analyze transaction data, identify fraud patterns, and make accurate fraud investigation decisions while collaborating with cross-functional teams to ensure timely dispute resolution.
- Apply fraud prevention measures, including negative tagging and risk controls, to high-risk transactions and contribute to continuous process improvements.
- Consistently maintain 90% SLA compliance and quality scores while delivering accurate and efficient chargeback operations.
- Received appreciation from management for consistently delivering high-quality performance, demonstrating strong fraud investigation judgement, and identifying an efficient method to retrieve Face-to-Face (F2F) transaction documents using the Galaxy tool, strengthening chargeback representments and dispute resolution outcomes.
Process Associate - Banking & Financial Services
Genpact
Noida ( on-site )
08.2023 - 10.2024
- Performed end-to-end verification of credit card, personal loan, and credit limit increase applications for National Australia Bank (NAB), ensuring compliance with internal credit policies and risk guidelines.
- Evaluated customer eligibility by reviewing bank statements, payslips, Income Tax Returns (ITR), Notices of Assessment (NOA), CTRs, and supporting financial documents to assess repayment capacity and creditworthiness.
- Conducted KYC verification, credit history analysis, and fraud alert investigations using Siebel application, enabling informed credit approval decisions.
- Assessed customer risk profiles and recommended approval or decline decisions based on financial analysis, credit policies, and fraud risk indicators.
- Processed 20+ customer applications daily while maintaining high levels of accuracy, productivity, and adherence to service standards.
- Communicated with customers to provide application status updates, resolve queries, and deliver a positive customer experience.
- Assisted in onboarding and mentoring new team members by providing process guidance and knowledge-sharing support.
Education
Masters of Computer Application -
Institute of Technology & Management
Gwalior01-2023
Bachelor Of Commerce - Computer Application
kamla raja girls post-graduate autonomous college
Gwalior01-2019
Higher Secondary -
Siddharth modern high secondary School
Gwalior01-2016
High School -
Siddharth modern high secondary School
Gwalior01-2014
Skills
Fraud & Risk
- Fraud Detection and Prevention
- Fraud Investigation
- Risk Assessment
- Transaction Monitoring
- Chargeback Investigation
- Chargeback Representment
- Credit Verification
- KYC Verification
- Compliance
- Microsoft Excel
- Microsoft Word
- Data Analysis
Professional
- Verbal and written Communication
- Leadership
- Critical Thinking
- Problem Solving
- Team Collaboration
Languages
English
Advanced
C1
Hindi
Proficient
C2
Hobbies and interests
- Travelling
- Dance & Fitness
Timeline
SRS Chargeback Analyst
Accertify
10.2024 - Current
Process Associate - Banking & Financial Services
Genpact
08.2023 - 10.2024
Masters of Computer Application -
Institute of Technology & Management
Bachelor Of Commerce - Computer Application
kamla raja girls post-graduate autonomous college
Higher Secondary -
Siddharth modern high secondary School
High School -
Siddharth modern high secondary School