Zainul Habib
Bangalore
Summary
Seasoned financial risk specialist with background in identifying, evaluating, and mitigating risks within diverse financial portfolios. Skilled in leveraging analytical tools and software to forecast potential risks and develop strategic solutions that align with organizational goals. Proven ability in enhancing risk management frameworks and protocols, leading to improved operational efficiency and cost reduction. Demonstrated success in collaborating with cross-functional teams to implement risk mitigation strategies that support long-term business sustainability.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Risk Analyst
BOLT PAY
Chennai
12.2024 - Current
- Tracked emerging trends in the industry related to potential risks.
- Developed risk management strategies to mitigate financial losses.
- Prepared reports highlighting key findings from risk assessment activities.
- Reported findings on risk exposures to senior executives and board of directors.
- Supervised distribution of collections reports to professionals to support effective decision making.
- Managed and executed risk management projects to determine deficiencies and appropriate corrective actions.
- Analyzed portfolio performance and recommended ways to reduce overall risk levels.
- Lead and executed risk management projects to identify deficiencies and possible corrective actions.
Senior Risk Analyst
Transak.com
Bangalore
06.2023 - 12.2024
- Daily basis monitoring and reviewing of crypto-transactions, business partner and individual profiles in order to identify unusual and suspicious activity
- Investigating & representing chargeback and taking action according to Visa & Mastercard rules
- Identify and analyze alerts generated by the screening system in order to identify politically related individuals, entities involved in financial crime, as well as sanctioned or terrorism-related entities
- Partner onboarding by conducting KYB's (Know your Business) for new partners for API integration which help partners to use our crypto onramp services in the Defi space
- Establishing partner's risk ranking depending on partner's business type, ownership and background history
- Comply with rules and regulations, including without limitation, AML and OFAC/Sanctions requirements all internal policies, procedures, and guidelines
- Knowledge in AML/KYC, Sanctions, PEPs & Sanctions screening & EDD
- Training new & existing team members for updating the knowledge gap and handling the queries
Risk Analyst
NOON.com
Gurugram
11.2020 - 06.2023
- Company Overview: UAE based e Commerce Emaar Group
- Understand the various operations across Risk Team
- Detect, analyze and mitigate fraudulent transactions on Noon's (UAE, KSA & Egypt) marketplace
- Dealing with fraud and Risk associated with the payment ecosystem
- Investigating accounts / transactions and make decisions regarding their validity based on available tools like SIFT & Cybersource
- Monitoring real time queues and identifying high risk transaction and proactively taking action to improve efficiency and reducing time to new fraud Modus Operandi
- Basic knowledge of using SQL and google data studio
- Worked on risk assessments on Sift and helped on integration of rules for manual investigation
- UAE based e Commerce Emaar Group
Transactional Analyst (TRMS)
Amazon Development Centre
Hyderabad
07.2017 - 07.2018
- Investigated accounts/transactions and made decisions regarding their validity based on available internal and 3rd party data and tools like Targus, bank verification
- Analyze the key levers of the business to identify trends and proactively take action to improve efficiency and reduce time to new fraud Modus Operandi
- Keep abreast of trends and fraud issues impacting the retail industry
- Ensure that Amazon is leading the curve in identifying and preventing new fraud attacks
- Reduction of false positives
- Met and exceeded both productivity and decision quality goals
Education
Bachelor of technology degree - Electrical Engineering
DIT UNIVERSITY, Dehradun institute of technology
Dehradun, Uttarakhand05.2017
Skills
- SQL
- Tableau
- Cryptocurrency
- Chainalysis
- Transaction Monitoring
- Chargebacks
- Sardine
- ComplyAdvantage
- KYB
- Fraud Analysis
Certification
- The business intelligence analyst course (Udemy.com)
- AML/KYC analyst certification (Udemy.com)
Projects
SQL stored procedure that allows to obtain the average male and female salary per department within a certain salary range. Range be defined by two values the user can insert when calling the procedure. Visualize the obtained result-set in Tableau as a double bar chart.
Timeline
Risk Analyst
BOLT PAY
12.2024 - Current
Senior Risk Analyst
Transak.com
06.2023 - 12.2024
Risk Analyst
NOON.com
11.2020 - 06.2023
Transactional Analyst (TRMS)
Amazon Development Centre
07.2017 - 07.2018
Bachelor of technology degree - Electrical Engineering
DIT UNIVERSITY, Dehradun institute of technology
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