FRAUD ANALYST

Farhat Sultana

Hyderabad, Telangana

Email: *****.*********@*****.***

Phone: +91-879**-*****

PROFESSIONAL SUMMARY

Fraud and financial crime professional with over four years of experience across UK and U.S. banking processes, covering fraud detection, alert investigation, KYC/CDD, and Enhanced Due Diligence. Currently a Senior Fraud Analyst on a UK credit card portfolio, detecting account takeover, card-not-present fraud, and identity theft while authenticating customers and meeting SLA, quality, and AHT targets. Experienced in working with Fraud Operations, Risk, and Compliance teams to escalate suspicious activity, with a working knowledge of FCA, AML, FCRA, ECOA, and TILA/Regulation Z requirements. Combines sound analytical judgement with empathetic customer communication to reduce fraud risk and protect customers.

CORE COMPETENCIES

• Suspicious Activity Reporting (SAR)

• Financial Crime Investigation

• AML & KYC Compliance

• Transaction Monitoring & Analysis

• Enhanced Due Diligence (EDD)-Fraud Detection & Investigation

• Regulatory Compliance-Financial Intelligence Unit (FIU) Reporting

• Case Documentation & Investigation Records

• Risk Assessment & Mitigation

• Escalation Management

• Cross-functional Collaboration

• Familiarity with Zendesk

• Knowledge of Looker Dashboards

PROFESSIONAL EXPERIENCE

Concentrix Capital One (UK Banking Process)

March 2026 – Present

Senior Fraud Analyst

Review alerts and analyze credit card transactions to detect suspicious activity, including account takeover, card-not-present (CNP) fraud, unauthorized transactions, and identity theft, identifying potential red flags to protect customers from financial crime.

Authenticate customers through inbound and outbound interactions using established verification procedures while ensuring compliance with banking security protocols and regulatory requirements, including FCA guidelines and the Consumer Duty.

Deliver exceptional customer support by resolving fraud-related concerns with empathy, professionalism, and clear communication to enhance the overall customer experience.

Accurately document investigation findings, customer interactions, and case decisions within internal fraud management systems, maintaining complete and audit-ready records.

Handle multiple customer cases simultaneously, consistently meeting service level agreements (SLAs), quality standards, productivity metrics, and average handling time (AHT) targets.

Collaborate with Fraud Operations, Risk, Compliance, and Customer Service teams to investigate and resolve complex cases, ensuring timely escalation of suspicious activity.

Identify fraud trends and recurring red flags, recommending process improvements that strengthen financial crime prevention, operational efficiency, and customer satisfaction.

MarketStar-Regalix (US Process)

Feb 2025–Dec 2025 Senior Sales Consultant

Delivered consultative customer support and managed client relationships.

AXIUM360 Solutions Pvt. Ltd. (US Banking Process)

December 2022 – December 2024

KYC Operation Analyst

Performed KYC, Customer Due Diligence, and identity verification for U.S. customers applying for credit cards, personal and consumer loans, mortgages, and business financing products.

Reviewed identification, income, credit, and supporting documents to validate customer information, identifying discrepancies, missing details, and potential compliance exceptions for resolution.

Prepared complete, accurate customer profiles and documentation packages, coordinating their submission to U.S. banking and lending partners for credit assessment and underwriting.

Ensured files complied with U.S. consumer-finance regulations, including KYC/AML, FCRA, ECOA, and TILA/Regulation Z, performing AML-related checks and escalating potential red flags while working with customers to resolve documentation deficiencies.

Conducted quality-control reviews to maintain data accuracy, audit readiness, and strict confidentiality of sensitive personal and financial information.

HSBC Electronic Data Processing Pvt. Ltd. (UK Banking Process)

February 2021 – September 2022

Fraud Detection Officer

Monitored domestic and international payment transactions to identify suspicious activity, unauthorized transactions, and potential financial crime, ensuring

compliance with HSBC policies and regulatory reporting requirements.

Investigated fraud alerts by analyzing transaction history, customer profiles, account behavior, and supporting documentation to identify red flags and determine appropriate actions.

Performed customer authentication and identity verification for high-risk

transactions using established banking procedures to prevent unauthorized account access.

Conducted Enhanced Due Diligence (EDD) reviews for high-risk customers by validating source of funds, account activity, and customer profiles while adhering to AML and KYC guidelines.

Collaborated with Fraud Operations, Compliance, AML, and Risk Management teams to investigate complex cases involving suspicious activity and money laundering typologies, ensuring timely resolution.

Maintained accurate investigation records, customer interactions, and case documentation to support regulatory audits, compliance requirements, and suspicious activity reporting.

Escalated suspicious transactions and high-risk customer activities to senior investigators and compliance teams, ensuring adherence to SLAs and internal risk management policies.

Identified fraud trends, recurring transaction patterns, and process improvement opportunities that enhanced fraud prevention, operational efficiency, and customer experience.

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