Yash Malik
Summary
Results-driven professional with extensive expertise in risk management, fraud investigation, and regulatory compliance. Proven track record in enhancing fraud detection capabilities and optimizing processes. Skilled in coordinating diverse teams and managing complex projects to drive operational improvements.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Senior Manager - Vigilance
AU Small Finance Bank
Lucknow
06.2025 - Current
- Conducted approximately 20 to 25 complex investigations monthly regarding financial fraud by bank staff.
- Evaluated AML transaction monitoring for internal accounts, identifying significant anomalies.
- Delivered regular risk awareness training sessions for staff and stakeholders across organization.
- Reported fraud cases to RBI and other regulators, ensuring compliance and oversight.
Process Lead - One Card
FPL Technologies Pvt. Ltd
Pune
06.2022 - 06.2025
- Supervised preventive and reactive Fraud Risk Activities to enhance detection capabilities.
- Directed investigations of transactional and KYC frauds, ensuring thorough analysis.
- Administered reporting of escalated cases to RBI, LEA, maintaining compliance standards.
- Established external relationships with LEA, merchants, and payment aggregators.
- Optimized risk rules through periodic reviews for improved mitigation strategies.
- Streamlined process development and automation to increase operational efficiency.
- Handled suspicious KYC/AML cases, and STR reporting to FIU.
Deputy Manager - CIC
HDFC Bank Ltd
Lucknow
11.2019 - 02.2022
- Conducted fraud investigations across payment business and retail asset products.
- Performed detailed due diligence and filed FIRs as needed.
- Executed pre-issuance checks for credit cards and merchant products.
- Reconciled monthly payouts to empanelled agencies, ensuring accuracy.
- Utilized banking applications and software to streamline operations.
- Resolved customer complaints within stipulated turnaround time.
- Monitored compliance with regulatory standards in the investigation process.
- Collaborated with cross-functional teams to enhance fraud detection efforts.
Finance Manager
Bhartiya Micro Credit
Lucknow
12.2015 - 10.2019
- Mobilized funds from various banks and financial institutions to support company operations.
- Prepared loan proposals, board notes, and business projections for strategic decision-making.
- Conducted credit underwriting for personal loan cases to assess risk and viability.
- Consolidated financial statements to provide comprehensive insights into company performance.
- Analyzed deviations in financial metrics to enhance profitability and cost control measures.
- Addressed queries from lending institutions, ensuring complete satisfaction with responses.
Education
Masters of Commerce -
Swami Vivekanand Subharti University
05-2018
Bachelor of Commerce -
University of Lucknow
05-2014
Skills
- Fraud investigation and risk management
- AML and regulatory compliance
- Dispute resolution
- Cross-functional collaboration
- Operations management
- Process optimization
Certification
Certified Fraud Examiner (CFE), pursuing
Timeline
Senior Manager - Vigilance
AU Small Finance Bank
06.2025 - Current
Process Lead - One Card
FPL Technologies Pvt. Ltd
06.2022 - 06.2025
Deputy Manager - CIC
HDFC Bank Ltd
11.2019 - 02.2022
Finance Manager
Bhartiya Micro Credit
12.2015 - 10.2019
Masters of Commerce -
Swami Vivekanand Subharti University
Bachelor of Commerce -
University of Lucknow
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