Xavier Jonsan Mochary

A highly skilled and diligent FinCrime Analyst with around 2 years of experience in Chargebacks, customer support, financial crime prevention, fraud investigation, and regulatory compliance within the Fintech sector. Proven expertise in conducting comprehensive Enhanced Due Diligence (EDD) and Know Your Customer (KYC) reviews, analyzing transaction patterns to detect and mitigate financial crimes such as money laundering, money muling, and Authorized Push Payment (APP) fraud. Possesses a strong background in managing the end-to-end lifecycle of Suspicious Activity Reports (SARs), from investigation and submission to liaising with global law enforcement and regulatory bodies like the NCA, TRACFIN, SEPLAC, etc. Adept at resolving complex customer complaints, including those escalated to the Financial Ombudsman Service, and collaborating with cross-functional teams to enhance AML and CTF policies. Experience in customer support and chargeback management, where I gained a deep understanding of payment systems, card brands (VISA, MasterCard), and first-party fraud detection. My analytical, problem-solving, and communication skills, honed through both financial analysis and technical recruiting, make me a versatile professional capable of ensuring both regulatory adherence and operational excellence.