Sumit .
Fraud Investigation
Delhi
Summary
Dedicated and detail-oriented fraud risk management professional with over 10 years of experience in fraud investigation, risk control, and financial crime prevention within leading banking institutions. Proven expertise in credit card fraud detection, identity theft, field investigations, and collaboration with law enforcement agencies. Known for reliability, thorough analysis, and delivering results under pressure.
Overview
21
21
years of professional experience
2
2
Languages
Work History
Manager – Fraud Control and Risk Management / Vigilance Team
RBL Bank Ltd
Delhi
07.2022 - Current
- Investigate credit card identity theft, account takeovers, and CFR cases.
- Act as checker/reviewer for card-present transaction disputes
- Liaise with police for complaints, investigations, and legal notices
- Conduct field investigations and suspicious account health checks
- Managed and motivated employees to be productive and engaged in work.
- Accomplished multiple tasks within established timeframes.
- Maintained professional, organized, and safe environment for employees and patrons.
- Maximized performance by monitoring daily activities and mentoring team members.
- Mentored junior team members for career advancement, fostering a pipeline of future leaders within the organization.
- Enhanced customer satisfaction by resolving disputes promptly, maintaining open lines of communication, and ensuring high-quality service delivery.
- Streamlined workflows by identifying bottlenecks in existing systems and implementing appropriate solutions.
- Maintained positive customer relations by addressing problems head-on and implementing successful corrective actions.
- Established team priorities, maintained schedules and monitored performance.
- Maintained professional demeanor by staying calm when addressing unhappy or angry customers.
- Cultivated positive rapport with fellow employees to boost company morale and promote employee retention.
Deputy Manager – Credit Intelligence and Control Unit
HDFC Bank Ltd
06.2020 - 07.2022
- Investigated secure online transaction cases for credit and debit cards
- Prepared reports for management to determine liability
- Identified fraud trends and filed police complaints
- Conducted field merchant investigations
Assistant Manager – Fraud Investigation
SBI Card and Services Pvt. Ltd.
03.2019 - 03.2020
- Investigated credit card frauds: skimming, identity theft, lost/stolen cards
- Handled never-applied/received card cases
Officer – Risk Control Unit, Credit Card Division
HDFC Bank Ltd (HDB Financial Services)
10.2013 - 03.2019
- Investigated ATO, skimming, non-starter, and transaction frauds
- Monitored transaction patterns, reported suspected cases
- Filed police complaints and conducted merchant investigations
Administration Executive
Global Connections Services Pvt. Ltd.
02.2011 - 09.2013
Business Assistant
01.2004 - 12.2010
Education
MBA - Finance
Symbiosis University
Bachelor of Commerce - undefined
Delhi University
12th - Delhi
CBSE Board
10th - Delhi
CBSE Board
Skills
- Fraud Investigation
- Risk Assessment
- Police Liaison
- Field Investigations
- Performance management
- Time management
- Staff development
- Cross-functional teamwork
- Documentation and reporting
- Goal setting
- Verbal and written communication
- Problem-solving abilities
- Teamwork and collaboration
- Positive attitude
- Multitasking
- Problem resolution
Timeline
Manager – Fraud Control and Risk Management / Vigilance Team
RBL Bank Ltd
07.2022 - Current
Deputy Manager – Credit Intelligence and Control Unit
HDFC Bank Ltd
06.2020 - 07.2022
Assistant Manager – Fraud Investigation
SBI Card and Services Pvt. Ltd.
03.2019 - 03.2020
Officer – Risk Control Unit, Credit Card Division
HDFC Bank Ltd (HDB Financial Services)
10.2013 - 03.2019
Administration Executive
Global Connections Services Pvt. Ltd.
02.2011 - 09.2013
Business Assistant
01.2004 - 12.2010
Bachelor of Commerce - undefined
Delhi University
12th - Delhi
CBSE Board
10th - Delhi
CBSE Board
MBA - Finance
Symbiosis University
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