Vishnu Nair

Associate @ Cashfree Payments

About

A proactive and analytical Risk Analyst dedicated to safeguarding the integrity of the FinTech ecosystem. I thrive on identifying and mitigating financial crime risks, ensuring both regulatory compliance and business security. With hands-on experience at industry leaders like Razorpay and Amazon, I have developed a strong foundation in Customer Due Diligence (CDD), high-risk transaction analysis, and fraud pattern detection. I am passionate about leveraging data to uncover hidden risks and am actively strengthening my capabilities in SQL and Power BI through self-directed projects, including building risk dashboards and simulating fraud analysis. This allows me to not only identify threats but also to visualize and communicate data-driven insights effectively. I am currently seeking a new opportunity where I can apply my skills in risk management to protect a forward-thinking FinTech company. I am always open to connecting with fellow professionals in the risk and compliance space. Core Competencies: 🔹 Financial Crime Risk Management 🔹 Fraud Prevention & Detection 🔹 Anti-Money Laundering (AML) Compliance 🔹 Customer Due Diligence (CDD) & Merchant Risk Profiling 🔹 Transaction Monitoring & Analysis 🔹 Data Analysis (SQL, Power BI) 🔹 Process Optimization & Cross-Team Collaboration

Country

India

City

Bengaluru

Industry

Financial Services

Skill

FinTech, Fraud Prevention, Customer Due Diligence (CDD), Financial Crimes Investigations, Risk Monitoring, Anti-Money Laundering, Self-Directed Learning, Fraud Detection, Operations Process Improvement, Risk Intelligence, Analytical Skills, Exceeding Customer Expectations, Cross-team Collaboration, Microsoft Power BI, SQL Report Writing, Risk Analysis, Workflow Optimization, Regulatory Reporting, Risk Operations, Risk Assessment

Experience

Associate

Cashfree Payments

2025-11 - Present · 11 mos

Bengaluru

Merchant risk analyst

Razorpay

2024-7 - 2025-11 · 1 yr 5 mos

Bengaluru

Conducted comprehensive Customer Due Diligence (CDD) on new merchants to assess and score their risk profiles, preventing high-risk entities from accessing the platform. • Analyzed high-risk transaction patterns in real-time to identify emerging fraud trends and support rapid intervention strategies. • Contributed to reducing loss exposure by investigating and escalating fraudulent accounts for financial recovery processes. • Collaborated with compliance and data teams to refine fraud detection rules and enhance the effectiveness of our risk monitoring frameworks. Skills Used: Financial Crime · Fraud Prevention · Customer Due Diligence (CDD) · Risk Monitoring ·

Risk Control Analyst

Amazon

2022-9 - 2023-5 · 9 mos

Reviewed customer transactions to detect high-risk behavior and potential AML violations. Ensured compliance with AML regulations by escalating suspicious transaction patterns. Monitored compliance requirements and flagged high-risk activities, escalating suspicious transactions for further investigation. Assisted in workflow automation projects, improving fraud detection efficiency. Led risk assessment improvements, strengthening fraud monitoring strategies.

Customer Service Specialist (customer abuse prevention)

Amazon

2019-7 - 2022-2 · 2 yrs 8 mos

Handled customer interactions efficiently, resolving queries and providing timely assistance. Maintained accurate records of customer interactions and follow-ups, ensuring seamless service continuity. Provided valuable customer insights to internal teams, contributing to service enhancements and product improvements. Analyzed customer needs and recommended solutions, aligning with company policies to enhance satisfaction. Effectively addressed customer objections and concerns, improving retention and engagement. Resolved escalations related to orders and deliveries, ensuring prompt issue resolution and customer satisfaction.