VIJAY ANAND R

• Implementation of the online channel transaction from Internet Banking, Mobile Banking, UPI and AEPS & Cross Channels at real time
• Analyzing the reported fraudulent transaction to the bank with the rule configured in the EFRM application and identifying the fraud trends
• Managing the EFRM application, servers and Data Base level
• Based on the fraud trend defining an appropriate rules and deploying new rule in the application to prevent the fraudulent transaction
• Fine-tuning the existing rule threshold value to reduce the false positive
• Testing in UAT before implementing the new rule or modification in existing rule in production
• Check and ensure that all the transaction event logs are receiving in EFRM data base on daily basis
• Coordinating with application OEM for implementing any new requirement or resolving application related issues
• Project the details about the fraud trend, no of frauds reported, steps taken to prevent frauds etc., Details submitted to the top management on monthly & quarterly basis
• Creating customer awareness by sending advisory frequent based on the latest fraud trend
• Coordinating with server maintenance team for updating latest security patches for servers and resolving server related issues
• Submitting the fraudulent transaction details to RBI quarterly submission
• Preparing agenda and MOM for various department meetings
• Switch the application from DC to DR on requirement basis.

• Fraud Control& Authorization Unit, Experience in Fraud Prevention, Detection, Investigation & Authorization
• Exposure to Parameter Setup for the Fraud System used by SCB for its Gulf, Africa & Asia Business
• Skilled in understanding the Client’s Service Levels requirements and over achieving the SLA Targets
• Emerged as SME on Card Fraud Prevention across products, processes, regions and businesses
• Consistently demonstrate exceptional knowledge and sound decision making abilities in the following areas: Client focus & Communication Quality Improvement
• Strategic Planning Problem Analysis & Resolution

Countries Handled:-

• Around 23 Countries, Mainly UAE – Bahrain in Gulf, UK – Jersey in Europe, India – Srilanka in Asia, Singapore – Hong Kong in Greater china

Job Responsibility:-

• Primarily responsible for on-line authorizations which include approvals, rejection and processing of referral requests received internationally & to take care of customer card based transactions/ maintaining the accounts
• Motoring customer cards transaction & validating the Legibility of it
• Authorizing/Declining the same if any issues in it, through Inbound & Outbound calls
• Action incidents alerted by various Detection tools to take all necessary steps to mitigate fraud and information security risks
• Investigate the legitimacy of suspicious events/transactions in accordance with Bank Standard Operating Procedures 24/7
• Research fraud and security related trends and emerging issues
• Sharing and effective utilization of the best practices of Credit Card Fraud prevention tools
• Played a vital role in Detecting frauds in Credit & Debit cards operations
• Charge Back process done by Recovering dispute loss amount by dealing with acquiring bank / merchants
• Provide recommendations to manager for new business rules to increase the effectiveness of current fraud detection systems and action if approved
• Identifying POS/CPP during Fraud Trends & highlighting the team to put set of Rules /Blacklisting the respective MID’s
• Preparing RCA for Fraud Losses
• Weekly Calls with Country Stake Holders, discussing on fraud trends & action to be taken on it
• Review of Refer to Issuer blocked cards and release of same based on the Fraud trends in order to limit the referral cost to the bank
• Internally coordinating with Charge Back Team, Collections Unit, Cards Operations, Underwriting, and Phone Banking Units & Externally with Customers, Acquiring & member banks and all Vendors

OPERATIONS:-

• Identifying various emerging fraud trend across the globe and updating & tweaking parameters to prevent fraud based on trends
• Responsible for handling client queries
• Generating a manual macro in terms of any application down
• Resolving all the customer’s service issues in a timely manner
• Handling Balance transfer(BT) SCB to other banks credit cards
• Updating customer overseas travel period
• Handling inbound & outbound customer calls & Queries
• Generating auth code & cancellation
• Removing a restrictions on a Credit & Debit cards (override the rule)
• Security check for acquiring bank
• Handling Pre-charge back recovery
• Have shared the fraud loss report to client
• Identifying CPP and POC, checking association alerts
• Prepare various MIS report for client level meetings
• Identify the key areas of improvement and train the team accordingly
• Training new employees & providing them necessary feedback on their performance

PROFESSIONAL ACHIEVEMENTS:-

• Identified maximum number of frauds and saved millions of dollars
• Received a Client recognition award for fraud catch
• Received Falcon Award for achieving Zero Defects in Fraud detection and investigation
• Received Icon Gem Award for Valued Behaviour Individual.

• Primary in charge for a project called STARS
• DPA (daily production analysis) Macro implementation
• FDF ( Fraud declaration from) Macro implementation
• OPERATIONS
• Core review with CITI Bank corporate credit cards
• Handling the FDF (fraud declaration form) and normal dispute process
• Handling the TBA (transaction blocked account) and normal dispute process
• Action a stars cases from internal clarifications
• Handling the PCM (payment credit monitoring) check with anti money laundering purpose.

• Account opening for Bank of Ireland(UK)
• Handled the ROF (return of funds) handover the customer funds
• AML (anti money laundering) customer document verify.