Divya Prakash Yadav

Risk Management

Dispute/Claims/Chargeback

As a part of Risk and operation, responsible to handle all activities of merchant pre-onboarding and merchant post-onboarding. In merchant pre-onboarding responsible to approving and rejecting all line of business. Approving all website reviews, verification if the line of business is under company guidelines. To maintaining the checking and verification of website with each polices and sending the details to bank. Activating the website and maintaining daily, weekly and monthly report on excel. Responsible to reply all emails within the organisation with different departments. In post on boarding, Responsible to monitor live transaction and detecting fraud. Monitoring all domestic and international transactions through IP and BIN wise. Handling all cases of merchant fraud, detecting merchant fraud, customer interaction, interaction with bank. Termination of merchant. Analysis on bin wise transaction weekly, monthly, and half yearly and detecting and controlling fraud to block the transaction via bin wise. Analysis on live merchant reports and detecting frauds and controlling. Analysis on merchant domain mismatch and controlling fraud. Proactively identifying fraudulent credit card and debit card transactions to avoid chargeback. Checking for genuine transaction depending on several risk and compliance parameters Scrutinising and monitoring online transactions for any suspicious activity or trend of transactions. Preparation of merchant profiling and merchant audit on a monthly basis to monitor the merchants performance. Taking corrective measures, reporting the case history to the concern team and implementing rules/ triggers to detect such cases to avoid financial loss.

Monitoring the transactions done by credit card users. Review the activities that seem to be suspicious, conduct further investigations and resolve the irregularities that are reported by the customers. It is the responsibility of the fraud analyst to safeguard the organisation and its customers from frauds and irregular transactions. We recommend for additional security controls whenever required. We have to maintain updated records about all irregular and suspicious transactions and are expected to regularly monitor the developments. We communicate the management about all security issues and also make recommendations for further actions so as to prevent loss due to fraud and irregular transactions. Detecting Fraud and preventing financial loss of the Bank, Bin Attacks: Blocking cards exposed to the risk Identification of Fraudulent transactions, Fraud and Dispute case analysis. Monitor / Investigate customer credit card accounts & dispute cases for fraudulent activity Analyzing merchant and cardholder account transactions to identify abnormal activity that may be fraudulent. Contacting merchants and cardholders to validate the authenticity of charges. Performs proper review and Investigate disputed card transactions by collecting sufficient information to explore every opportunity to identify recovery opportunities in order to mitigate losses. Taking measures to stop / evade fraudulent transaction and ensuring customer security and satisfaction like Card Block Handling & Reviewing Anti- Money laundering cases to avoid mitigate Money laundering Transactions Scrutiny of Money laundering transactions: Overseeing the suspicious transactions, identifications of frauds and taking measures to avoid / stop them. To detect various kinds of frauds such as Application frauds, online frauds, skimming frauds & Account takeover frauds (ATO). Coordinating with different team like prevention, investigation, corporate, VIP to resolve any escalation on priority.

Detecting and Preventing fraud in Telecom Industry (Telstra - Australian Telecom) Mentoring the upcoming analyst to detect the fraud in telecom industry. Perform day to day Fraud Operational Activities like: - Analyzing the Cases/ Request rose by the Customers/ Business Entities for New Service/s with Telstra and prevents Fraud against Telstra, Analyzing the Excessive Usage. Analyzing and Verifying the details given by the Customers/ Business Entities through tools like: - FMS, CRM (Siebel), DRIFT and Realestate.com.au. Working on WFS/FPDS (Fraud Management Software) and Siebel to prevent Fraud against Telstra. Involve in 24*7*365 monitoring the Alerts/Queues in WFS/FPDS and maintain the SLA of a Case. Analyzing and working on the Cases which come under HUR (Excessive Usage), PABX Hack, NRTRDE- Extreme Usage (Voice and Data), IRSF, Blacklisted IMEI, Mob-IDD, customer calling to Blacklisted Countries, and High Credit Risk. Prioritize and investigate CDR (call detail records) alarms provided by fraud management software. Bar, Suspend and Disconnect accounts/services in billing system and provisioning databases if deemed fraudulent, reactivate accounts if necessary. Document all action taken in appropriate databases Contact customers regarding suspicious activity on their accounts through SMS and Letter. Receive and respond to Client inquiries as to status of their account and advises on solutions to remedy any security breaches. Work closely with other department within Telstra (Credit/Collections /Billing /Customer Service etc) to investigate and resolve fraudulent activities. Analyze various reports and utilize other software tools to further locate fraudulent activity on the network. Track abuse issues and take applicable action to eliminate abuse. Escalate issues to Telstra Higher Authorities related to Fraud Happening in Business Entities. Fetch data from the Application by running the pre-defined SQL queries to check the productivity.

Case analysis through checking customer account details & updating on the online prescribed software. Review and analyses potential fraudulent activities on Debit cards Ensuring coordination among the team members with regular updates. Preparing daily block & detection reports to provide feedback to the management on quality administration Preparing MIS reports to provide feedback to top management on new fraud trends, quality checks etc. Quick decision making accompanied by self-confidence. Minimise the losses for the company and the customer. Check the payment charged on the gateways. Track the previous activities for the customer. Ability to understand legal documents & compliance. Online risk monitoring of daily transactions. Charge back handling of all international banks.

Reporting to: Team Leader. I Worked for Times Business Solutions Ltd: About Times -Times Business Solutions (TBS) is the "Life Interactive" arm of the Times Group. We seek to provide our users with support, assistance, and guidance throughout their life, with our interactive media. We do this by providing innovative platforms for internet users across the globe to assist them in every aspect of their lives. SimplyMarry.com India's premier matrimonial service portal. We offer a one stop platform for online matchmaking that allows prospective Indian brides and Indian grooms to meet and communicate regarding matrimony. We utilize the most advanced search technology available for our matrimonial service. Registration is free for our matrimonial service. Create your profile & start searching for prospective Indian brides and Indian grooms today. TimesJobs.Com: In January 2004, TimesJobs.com, the fastest growing and most innovative Indian online recruitment portal, was born with a mission to reach out to all Indians in the country and abroad and provide them with the best career opportunities available. Its focus was to ensure their skills were showcased and matched suitably with the HR requirements of employers from diverse industries, in a timesaving and cost-efficient manner. Its concentrated approach has made TimesJobs.com the blue-eyed boy of recruiters and aspirants alike. It's a Sales campaign which provides personalized services to the people who are registered on the Job & Matrimonial Portal of Times. Customization based on people's requirements are undertaken during the sales process.

Bachelor's Of Commerce