Yuvaraj B
Chennai
Summary
Results-driven MBA graduate with over 13 years of experience in banking operations, specializing in fraud investigation, risk management, KYC, AML, and reconciliation. Successfully managed debit and credit card disputes to reduce costs and enhance process efficiencies. Proficient in leveraging agile technology for user-centric application development and financial risk assessment, effectively mitigating risks across diverse portfolios. Recognized for collaborating with cross-functional teams to implement strategic frameworks that align with organizational goals and improve operational performance.
Overview
14
14
years of professional experience
Work History
Business Execution Associate - Banking Operations
Wells Fargo International Solutions Pvt Ltd
Chennai
07.2024 - Current
- Utilized Agile methodology throughout entire product life cycle from concept phase through deployment stage.
- Translating high-level requirements into actionable user stories.
- Collaborating with the SCRUM team during sprint planning.
- Collaborating with developers to ensure stories align with technical feasibility.
- Collaborated with stakeholders to define product requirements, features, and user stories.
- Created user stories, acceptance criteria, wireframes, and prototypes for new products.
- Assisted Product Owners in creating user stories and prioritizing product backlogs.
- Provided technical support to production teams during the manufacturing process of new products.
- Utilized Agile methodology in order to develop high quality software on time and within budget.
- Tested application performance against user requirements to ensure quality assurance standards were met.
- Evaluated current practices to ensure compliance with applicable laws and regulations.
Fraud & Claims Operations Associate Manager
Wells Fargo International Solutions Pvt Ltd
Chennai
01.2021 - 06.2024
- Managed a team of 20+ employees, ensuring that productivity and quality standards were met.
- Responsible for preparing and presenting the Monthly Business Review for the process.
- Directed day-to-day operations by spearheading implementation of short-term and long-term strategies to achieve business plan and profitability goals.
- Established quality metrics and benchmarks to measure performance and guide strategic decision-making.
- Compiled data on quality issues and vulnerabilities and reported findings with suggestions for improvement.
- Managed time effectively to ensure tasks were completed on schedule and deadlines were met.
- Multiple process improvement ideas have been proposed and successfully implemented.
- Part of the hiring team for the credit card operations business setup.
- Monitored chargeback rates and developed strategies to minimize financial losses due to fraud.
- Provided expert advice on fraud-related issues to internal stakeholders, enhancing the organization's fraud prevention efforts.
- Contributed innovative ideas and solutions to enhance team performance and outcomes.
- Utilized various software and tools to streamline processes and optimize performance.
- Demonstrated strong problem-solving skills, resolving issues efficiently and effectively.
Team Leader - Risk & Controls
Mashreq Bank Global Services Ltd
Chennai
07.2019 - 10.2020
- Assigned corrective action target dates for identified risks and verified timely completion and implementation to comply with regulatory requirements.
- Conducted detailed risk assessments across various departments such as Reconciliation to identify vulnerabilities.
- Collaborated with other departments to streamline processes and improve interdepartmental cooperation.
- Oversaw training and development programs to enhance team skills and knowledge.
- Reviewed audit reports for accuracy and completeness prior to submission for review by senior management.
- Prepared periodic CAD proofing reports detailing changes in levels of operational risk exposures over time.
- Tracked all SARs filed by the company and reviewed them for accuracy and completeness.
- Developed training materials for staff members regarding AML policies and procedures.
Operations Accountant 4 - Chargeback
Wells Fargo International Solutions Pvt Ltd
Chennai
03.2018 - 06.2019
- Trained newly hired top talent to fill key positions and maximize productivity in the chargeback process.
- Remained up to date with process documents and LOB updates.
- Worked collaboratively across departments and with various stakeholders to deliver comprehensive, effective training sessions.
- Documented all training activities including attendance records, feedback forms, surveys.
- Resolved any issues raised by participants during the training session in a timely manner.
- Provided feedback on employee performance based on observed results during training sessions.
- Managed multiple projects simultaneously while adhering to tight deadlines.
- Conducted audits, knowledge tests, and refresher sessions.
- Conducted root cause analysis to investigate the source of problems in production process.
Account Specialist - Chargeback
Citicorp India Services Ltd
Chennai
12.2015 - 02.2018
- Handled customer disputes and fraud-related chargebacks for Citibank North America.
- I have hands-on experience in the Pega application.
- Proficient in handling disputes, analyzing transactions, and ensuring timely resolution to enhance operational efficiency and customer satisfaction.
- Skilled in achieving high productivity and maintaining quality standards while adhering to guidelines.
- Escalated unresolved issues to appropriate departments for further investigation.
Senior Process Executive - KYC/AML
GE Capital
Chennai
06.2011 - 10.2015
- Reviewed customer documents and information to ensure compliance with KYC regulations.
- Updated client profiles with relevant KYC information.
- Reviewed customer financial data to ascertain level of risk involved for extending credit.
- Verified customer identity using public records, financial databases, and other resources.
- Maintained accurate records of all KYC documentation and analysis results.
- Presented key information to upper management and executive team for loan recommendations.
- Collaborated with credit association and business representatives to exchange valid credit information.
- Tracked regulatory changes related to AML and KYC requirements.
- Conducted periodic internal account to identify potentially suspicious activity.
- Prepared reports, metrics and research to support fraud initiatives and projects.
- Reviewed customer profiles to identify suspicious activities and transactions.
Education
MBA -
Anna University(Affiliated)
Chennai06-2010
Bachelor of Engineering -
Anna University(Affiliated)
Chennai03-2008
Skills
- MS Office (Word, Excel, PowerPoint)
- Cost reduction
- Agile methodology
- Customer Satisfaction
- Leadership
- Reconciliation
- Operational risk
- Internal controls
- Dispute resolution
- Loss prevention
- AML compliance
- Operational efficiency
Accomplishments
- Saved an average of $58,000 per month with an outbound call cease project for unable to assist claims.
- Saved 105 FTEs through part of DNR claims volume reallocation project.
- Volume reduction of around 60% is achieved because of the above mentioned ideas including changes as per VISA (13.1).
Hobbies and Interests
- Playing cricket
- Watching movies
Languages
- English
- Tamil
Personal Information
- Date of Birth: 09/07/87
- Nationality: Indian
- Marital Status: Married
Timeline
Business Execution Associate - Banking Operations
Wells Fargo International Solutions Pvt Ltd
07.2024 - Current
Fraud & Claims Operations Associate Manager
Wells Fargo International Solutions Pvt Ltd
01.2021 - 06.2024
Team Leader - Risk & Controls
Mashreq Bank Global Services Ltd
07.2019 - 10.2020
Operations Accountant 4 - Chargeback
Wells Fargo International Solutions Pvt Ltd
03.2018 - 06.2019
Account Specialist - Chargeback
Citicorp India Services Ltd
12.2015 - 02.2018
Senior Process Executive - KYC/AML
GE Capital
06.2011 - 10.2015
MBA -
Anna University(Affiliated)
Bachelor of Engineering -
Anna University(Affiliated)
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