Summary
Overview
Work History
Education
Skills
Websites
Current Location
Personal Information
Awards
Accomplishments
Languages
Affiliations
Timeline
Generic
Sunil Raj J

Sunil Raj J

Bangalore

Summary

Currently working for EXL Services as Consultant 1 Assistant Manager. Looking forward in expanding my knowledge and enriching my vivid diversified experience by applying the skills that I have learnt over the past 9+ years. My vivid experience as proved that my flexibility to cope with challenging scenarios achieving with focus streamlined towards my ambition. Dedicated Consultant bringing dynamic skills in client oversight, issue resolution and presentation. Successful juggling multiple tasks and projects simultaneously. Excellent business knowledge within Fraud Risk Industry.

Overview

14
14
years of professional experience

Work History

Consultant - Assistant Manager

EXL SERVICES
Bangalore
09.2023 - Current
  • Reviewed and analyzed customer account activity to identify any fraudulent activities.
  • Developed various fraud prevention strategies, including creating new internal policies and procedures.
  • Monitored customer accounts for unusual behavior or irregularities that may indicate fraudulent activity.
  • Implemented anti-fraud measures such as identity verification protocols and real-time alerts on high-risk transactions.
  • Investigated suspicious transactions, identified potential fraud patterns, and reported findings to the management team.
  • Assisted in developing algorithms for credit card fraud detection systems.
  • Conducted comprehensive investigations into suspected cases of fraud and money laundering.
  • Maintained up-to-date knowledge of current financial regulations related to fraud prevention and detection.
  • Utilized specialized software tools to detect anomalous patterns in customer data which could indicate fraudulent activity.
  • Educated customers on best practices for avoiding fraud and provided guidance on how to spot suspicious emails or other indicators of possible scams.
  • Participated in regular training sessions on emerging threats related to online security and digital payment methods.
  • Collaborated with law enforcement authorities when necessary regarding criminal investigations into alleged fraud.
  • Identified areas where additional safeguards could be implemented within the organization's systems or processes.
  • Assessed the effectiveness of current anti-fraud measures by evaluating performance metrics such as false positive rates or average time taken for investigations.
  • Documented investigative findings in reports.
  • Communicated with customers and company personnel, utilizing active listening and interpersonal skills.
  • Opened investigations into issues brought up by individuals in community.

Subject Matter Expert - Fraud Risk

EpiFi Technologies
Bangalore
05.2023 - 09.2023
  • Provided subject matter expertise and guidance to cross-functional teams in the development of new products.
  • Investigated potential fraud cases, collected evidence, and reported findings to management.
  • Verified customer information against existing records to detect discrepancies or inconsistencies.
  • Reviewed customer accounts for suspicious activity and identified fraudulent transactions.
  • Monitored account activities for irregularities and unauthorized access.
  • Conducted research on trends in online fraud prevention techniques.
  • Evaluated creditworthiness of customers through financial analysis and risk assessment procedures.
  • Maintained accurate records of all investigations including case notes, documents, emails.
  • Worked closely with internal teams such as legal, compliance, security, and audit personnel in order to ensure compliance with applicable laws and regulations.

Sr.Risk Operations Specialist

PayPal India Pvt Ltd.
08.2018 - 05.2023
  • Part of CRS (Consumer Risk Service) : Risk management -To test and ensure that e-commerce platform is trusted, safe and protected from fraud
  • Worked on different Fraud Que ATO, Spoof malware, Stolen identity , Stolen financials - both Bank and Card, ACH Return, Chargebacks, Anti Money laundering
  • Investigating the accounts and transaction related to fraud/abuse and other patterns
  • Using company policies and process from SOP for guidelines for investigation and annotate the finding for future reference
  • Resolving limitation on account caused due to account take over, abuse of account, fraud trends, money laundering, stolen financials, charges filed on banks and other financial institute linked to PayPal, unauthorized transaction/access on account, fraudulently created account, Spoof malware etc
  • Communication with customers via emails and other internal tools to provide resolution on high priority
  • Also requesting for relevant documents via internal tools to resolve limitation placed on accounts
  • Analyzing disputes/unauthorized transaction claimed by seller or buyer to make decision on fraud reversal
  • Monitoring of transition on account to identify money movement and funding source
  • Create dispute case when customer reports un-authorization of transaction to investigate the claim
  • Finding fraud patterns and escalating the issues to avoid risk
  • Communicating/Escalating with audit team and quality team for improvement of process and knowledge and also mentoring new hires
  • Testing new tools and providing inputs to the testing team so the same to be implemented to production phase
  • Provided process improvement idea which inturn helped team members to take review action with less TAT
  • Generating shrinkage report on daily basis and providing the same inputs to the RI department related to total head count
  • Preparing MOM- for weekly team huddle
  • Mentoring new team members and guiding them to investigate using external research tools.

Fraud Risk Investigator

Amazon Development Centre (India) Pvt. ltd
Bangalore
04.2016 - 07.2018
  • Prevention of credit card fraud on amazon.com platform using pre built tools and informing the customer proactively or reactively to prevent fraud
  • Closing down fraudulent account where credit card cards are being misused, reinstating wrongly closed accounts and informing customer via email or phone
  • Prevention of hacking of accounts using pre built tools and geographical location, time zone and other tip offs either reactively or proactively and thus preventing misuse of credit cards and information via email or phone
  • Investigating patterns and discovering modus operandi of fraudsters on amazon.com platform
  • Studying customer behavior and distinguishing it from fraudster behavior on an individual customer level
  • Mentoring new hires to the process in the organization
  • Advising customer to dispute fraudulent transactions and filling chargebacks with bank through appropriate email
  • Preparing MYS Report and taking Minutes of Meeting
  • Updating the team with new
  • Main goal is to make amazon the safest place to transact online.

Sr. Process Associate

Pramata Knowledge Solutions Private Ltd
Bangalore
01.2013 - 03.2016

Process Associate

HSBC EDPI Ltd
Bangalore
01.2010 - 12.2012
  • Worked as Process associate for APAC -HongKong ''fixed Income team''.

Education

Post Graduation Program in Financial Management -

BHAVAN'S Harilal Bhagwathi College of Communication and Management
01.2010

Bachelors of Commerce -

Bangalore University
01.2007

Skills

  • Microsoft Office Programs
  • Certified in Oracle database PLSQL - November 2019
  • Certified in Oracle database SQL - September 2019
  • Research and data collection
  • Data assessment
  • Great communication skills
  • Multitasking

Websites

Current Location

Bangalore

Personal Information

  • Father's Name: Janardhan Raju
  • Mother's Name: Vijayalakshmi
  • Date of Birth: 05/24/1985
  • Marital Status: Single

Awards

  • Won project champ award for helping testing team to build new tool - May 2022
  • Won Ace of value award for the month of October 2021 at PayPal India Pvt Ltd.
  • Won top gun award for skill set - Spoof review - May 2021 at PayPal India Pvt Ltd.
  • Top Gun Award for the month of April 2020 for Money laundering review at PayPal India Pvt Ltd.

Accomplishments

Won project champ award for helping testing team to build new tool- May 2022 Won Ace of value award for the month of October 2021 at PayPal India Pvt Ltd. Won top gun award for skill set - Spoof review - May 2021 at PayPal India Pvt Ltd. Top Gun Award for the month of April 2020 for Money laundering review at PayPal India Pvt Ltd.

Languages

English
First Language
kannada
Proficient (C2)
C2

Affiliations

  • Athlete
  • Running in various marathon events since 2010
  • Completed TCS World 10k Run 2023 with the personal best timing of 61 minutes (10kms).
  • Cooking

Timeline

Consultant - Assistant Manager

EXL SERVICES
09.2023 - Current

Subject Matter Expert - Fraud Risk

EpiFi Technologies
05.2023 - 09.2023

Sr.Risk Operations Specialist

PayPal India Pvt Ltd.
08.2018 - 05.2023

Fraud Risk Investigator

Amazon Development Centre (India) Pvt. ltd
04.2016 - 07.2018

Sr. Process Associate

Pramata Knowledge Solutions Private Ltd
01.2013 - 03.2016

Process Associate

HSBC EDPI Ltd
01.2010 - 12.2012

Post Graduation Program in Financial Management -

BHAVAN'S Harilal Bhagwathi College of Communication and Management

Bachelors of Commerce -

Bangalore University

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Sunil Raj J