Venkatesh S
Kallidaikurichi
Summary
Accomplished Chargeback Analyst/ Customer Service Representative with solid knowledge of processes needed to research claims, returns and chargeback. Self – motivated team player with in depth experience working with clients by phone and electronically.
Overview
2
2
Languages
11
11
years of professional experience
Work History
Senior Officer
Standard Chartered Global Business service
03.2023 - Current
- Banking professional with 1 year of experience in lending operations at Standard Chartered Bank. Experienced in customer KYC verification, personal and mortgage loan processing support, MIS reporting, and ensuring compliance with banking regulations. Skilled in operational controls, data accuracy, and stakeholder coordination.
- Performed customer KYC verification and due diligence for Personal Loan and Mortgage Loan applications.
- Reviewed customer documentation to ensure compliance with regulatory requirements and internal banking policies.
- Supported lending operations by validating customer information and maintaining accurate records.
- Prepared and maintained daily MIS reports to track business volumes, productivity, and operational performance.
- Monitored application processing workflows and ensured timely completion of operational activities.
- Coordinated with internal stakeholders to resolve documentation and processing-related queries.
- Conducted data validation and quality checks to maintain accuracy in operational reporting.
- Ensured adherence to compliance, risk management, and operational control standards.
- Assisted in process improvement initiatives to enhance operational efficiency and reporting accuracy.
- Maintained high standards of data confidentiality and customer information security.
- WRB Operations – Lending
- Standard Chartered Bank
- Experience: 1 Year
Chargeback Analyst – Operations
Chargeback Gurus Fintech PVT LTD
04.2020 - Current
- Researched and processed disputed cardholder credit card transactions.
- Minimized company fraud losses by identifying possible fraudulent applications and taking proper action to identify any future applications related to cases.
- Investigated and developed suspect information to recover funds and minimize fraud losses.
- Analyzed information received on applications to identify and prevent fraud losses.
- Handled dispute process while ensuring compliance with VISA, MASTER, AMEX, DISCOVER cards and federal regulations.
- Monitored disputed transactions for possible fraudulent activity and maintain accurate and complete documentation of every phase of the dispute process.
- Assessed chargeback cases by requesting the proper documentation and additional information from the cardholder or originating case investigator.
- Ensured that all chargeback activities were handled in accordance to statutory requirements.
- Working knowledge and experience using CRM, Processor, Gateway, Amex and Discover portal.
- Monitoring and controlling daily operations activities
- Monitoring incoming cardholder disputes, charge backs and recoveries.
- Processed charge backs to cardholder and merchant accounts according to VISA, MASTER, AMEX, DISCOVER Regulations.
- Updated database to accurate reflect dispute resolution status and details.
- Gathered and analyzed transaction data which included transaction history.
- Proactively analyzed transactional and dispute records/reports and identified trends.
- Processed and monitored chargebacks fulfillment throughout the entire dispute cycle.
- Track and report data related to case work using Excel, Word and PDF.
- Prepare accurate and appropriate responses to disputes using superior written communication skills.
- Handled VISA, MASTER, DISCOVER and AMEX disputes and initiated chargebacks for various reason codes including fraud and non-fraud.
- Create, maintain and entire information into databases.
- Image documents through MASTER, VISA, AMEX and DISCOVER online to assure committal and acceptance is received by each party.
- Preparing Financial control system for the month-end audit purpose and following up with onshore teams regarding infrequent Accounts.
MIS Executive – POS Acquiring
Skilworth Technologies Pvt Ltd
02.2018 - 10.2019
- Preparing Scope Documents for Pos-operations related projects and requirements according to the client’s (Banks) needs.
- Co-ordinate with the concerned stake holders to execute theirs recommended implementations as per given timeline without any deviations.
- Co-ordinate with internal resources and partners to implement flawless execution of projects for all type of payment integration Projects.
- Publishing the dashboards to explore the daily productivity and performance by tracking the reports and analysis.
- Monitoring and tracking the automated reports which have been sent to bank officials by using auto reconciliation for incoming transactions from the payment HUB.
- On weekly basis, preparing the PPT for our internal review with my hierarchies.
- Publishing the dashboard for each and every region across PAN India to show off overall Projections offered and delivered.
MIS Executive
Hitachi Payment Services Pvt.ltd
10.2016 - 02.2018
- Working with Merchant onboard Process according to Bank’s Request (Offline/Online) Ensure 100% Quality adherence to SLAs.
- Preparing the MIS reports for Daily/Weekly/MTD to share with our internal Team and Merchant Acquiring Team (SBI and Associate Banks).
- Doing the analysis with overall request from bank and its Response from our company to predict the projections and fix the field services in effective manner
- Handling the bank mails regarding the new POS device installations and its de-installations and overall field related services depend the merchant requirements.
- Updating the tracker for overall cash@pos service enabled merchants and provide some technical enhancements (like version Updates on Device).
- Preparing PPT for our internal management review and performance sharing, Planning and Roistering the Manpower according to the Projection of Work load.
MIS Executive
Matrix Business Service India Pvt Ltd
04.2015 - 09.2016
- When required provide utilization reports to the business unit, identifying potential resourcing issues and escalating these when appropriate.
- In advance of regular resource management meetings, provide the resource managers with relevant MI and if necessary, assist them in the meeting.
- Provide an analysis of forecasted and actual headcount and an explanation of any variance.
- Performing audits, reviews, and compilations of privately held business individually or as part of an engagement team.
- Capability of creating documentation to be leveraged in negotiation with external stakeholders such as vendors.
- Flexibility and accessibility after hours are a requirement.
- Function well in a dynamic team environment.
- Service middle – market clients
- Preparing and in – charging audits for a variety of client industries.
- Providing outsourced financial and project management services.
- Managing the budget and financial reporting function.
Education
MBA - HR and Finance
PSN Engineering college
01-2012
BA - Economics
Ambai Arts college
01-2010
12th - undefined
Tilak Vidyalaya Hr.sec.school
Kallidaikurichi01-2007
10th - undefined
Tilak Vidyalaya Hr.sec.school
Kallidaikurichi01-2005
Skills
Operation Process
Chargeback process
Daily MIS
Merchant Queries handling
Analytical and verification Sill
Documentation
Service solutions expert
Strong problem-solving ability
Trouble shooting skills
Focused on customer satisfaction
Deadline - oriented
Interests
Playing Chess and Traveling
Timeline
Senior Officer
Standard Chartered Global Business service
03.2023 - Current
Chargeback Analyst – Operations
Chargeback Gurus Fintech PVT LTD
04.2020 - Current
MIS Executive – POS Acquiring
Skilworth Technologies Pvt Ltd
02.2018 - 10.2019
MIS Executive
Hitachi Payment Services Pvt.ltd
10.2016 - 02.2018
MIS Executive
Matrix Business Service India Pvt Ltd
04.2015 - 09.2016
10th - undefined
Tilak Vidyalaya Hr.sec.school
12th - undefined
Tilak Vidyalaya Hr.sec.school
BA - Economics
Ambai Arts college
MBA - HR and Finance
PSN Engineering college
Personal Information
- Father's Name: Soodamani S
- Date of Birth: 21-10-1988
- Nationality: Indian
- Marital Status: Married
Declarations
I hereby declare that all the above given information is to the best of my knowledge and belief.