DIVYA T

Phone: +1-314-***-****, Email: adxwr2@r.postjobfree.com, Current Visa: H4 EAD, USA

SUMMARY

Overall, 6+ years of experience as Fraud Analyst.

• 2 years in E-Commerce, Payment Fraud, Risk Analysis.

• 4 years in CSBB – Automated Clearing House (ACH) & (ADCC) as a Senior Fraud Analyst-FCM Operations and AML & KYC.

An accomplished SME with experience in Fraud Analysis, ACH Claims, check frauds, transactions, payment investigations, risk investigation, credit and debit card analysis and elimination of online e-commerce risk.

Expertise in Quality Assurance/Auditing of ACH claims and Payment fraud.

Client onboarding and KYC profile and execute name screening of customers against various sanctioned lists.

Expertise in investigate, review and resolve AML, KYC related and economic sanction related alerts.

Self-motivated, creative and a team-player.

Effective in time-management, critical thinking skills and prioritizing work assignments.

Make decisions and meet deadlines with minimal direction. SKILLS

Advanced Microsoft Office (Word, Excel, Outlook and PowerPoint), LexisNexis, Hogan, E-Tran, World Check, SQL, AML, KYC, Transaction management, Fraud Analysis, ACH, ADCC, Charge back, Risk Analysis, Cheque Fraud.

ACHIEVEMENTS

Rated with Excellent Contribution (ECC) R-Cube Awards in the annual appraisal for the financial years 2019, 2020, 2021.

Awarded as Best Analyst for Q3'2016 for performing top during the quarter. EDUCATION

Bachelor of Engineering and Technology Computer Science – JNTUH - 2011 to 2015 2

EXPERIENCE

Role: Senior Fraud and Claims Operations Representative Apr 2018 - May 2022 Wells Fargo Pvt Ltd - Hyderabad

Project 1: AML/KYC

Conducted comprehensive and robust quality check on the work completed by KYC Analysts within a Customer Due Diligence (CDD) Team.

Used analytical and judgmental skills to determine whether correct decisions have been made and supported decisions with clear rationales.

Ensured that KYC and CDD checks undertaken by team members are in line with the Bank’s guidelines and processes and are compliant with relevant external regulations.

Ensured correct screening has been completed for any for negative news, PEPs & Sanctions on Client/Customer, Related Parties and Related Individuals.

Assisted in the delivery of a range of AML projects, such as KYC remediation's, Alert adjudication, Transactions reviews & investigation, due diligence including research and screening (negative media & sanctions).

Remediate a customer's Know Your Customer (KYC) record in accordance with client's customer identification program (CIP), customer due diligence (CDD) and enhanced due diligence (EDD) standards.

Demonstrated ongoing understanding of AML/KYC processes and applicable global regulatory changes.

Project 2: Claims and Fraud Operations

Worked in ACH (Automatic Clearing House), identified the cases and provided absolute result to the customer with CSAT.

Extensively worked on refunds, Chargebacks, payments and card fraud.

Acted as a subject matter expert for the team on Financial Crime, Fraud analysis, ACH & ADCC claims.

Performed opening and closing procedures to keep operations running smoothly.

Conducted Root Cause Analysis to identify and evaluate quality trends and contributing to the improvement of controls and reports.

Improved quality by mentoring QA report and ensured that everyone in the team meets the quality targets by provided new ways to achieve it.

Ensured the agreed SLAs and process fairs above client expectations.

Well-versed with Risk Management and identifying high risk areas in business and establishing strong controls.

Expertise in FCM-ACH Process, Managed the team for L&D Facilitation. 3

Handled Escalations for the team. Safeguarded proper investigation of suspicious transactions.

Engaged with RPA team and participated in team meetings.

Extensively involved in ACH payments & Regulations and ATO’s associated to it.

Accountable for the preparation of monthly dashboards, weekly and monthly metrics for multiple locations.

Implemented a Comprehensive plan to improve quality – An Initiative with the objective to Improve workflow process and ideation.

Worked on high volumized environments with great CSAT.

Effectively interacted with team management, client solutions/support, cross teams QA’S, research analysis, analyze and derive business, functional requirements.

Support training and inductions for new agents and encouraging individual development.

Completed the process of discovering, gathering and documenting detailed business specifications for projects as assigned.

Role: Fraud Analyst Mar 2016 - Mar 2018

Wipro (Client: Google), Hyderabad, India

Monitored suspicious activities for online goods and services provided across Google Wallet payments.

Worked on Fraud investigations and risk analysis on Google-Cloud accounts, Enterprise, Business accounts, Google play store, Peer to peer accounts, G-pay Improved business patterns for the CSAT.

Evaluated everyday risk processes and worked on refund orders for the customers.

Identified and measured risk faced and calculated credit risk, making decision on the applications and preventing loss by evaluating credit risk.

Collaborated with global team members all over the globe for specific user escalations.

Dealt with Abuse emails and usage of credit cards on Google online shopping.

Effectively managed a daily pipeline to maintain service level agreements with internal business partners.

Block and unblock customer accounts in accordance with procedures and guidelines.

Handled external client complaints, coordinating for root cause analysis (RCA).

Analysis on internal & external quality score dipping and informing to the managers.

Regular collaboration with the clients in Weekly Tele-Conference calls from USA based on results.

Verify and approve withdrawal requests, Review and approve KYC documents.

Organized MIS of customer complaint and presented in monthly Quality Review.

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