Headline

Fraud Risk Management Professional | Financial Crime | Risk Analytics | Fraud Strategy | AML & Compliance | INSEAD | ex-Paytm

About

I am a Financial Crime & Fraud Risk professional with 7.5+ years of experience in fraud prevention, financial crime risk, transaction monitoring, merchant risk, regulatory compliance, and risk analytics across the fintech and digital payments ecosystem. I specialize in designing and strengthening fraud prevention frameworks, monitoring high-risk transactions, conducting fraud investigations, enhancing risk controls, and supporting regulatory and audit requirements. I enjoy solving complex risk problems by combining data-driven insights with practical business solutions. Core Expertise • Financial Crime & Fraud Risk Management • AML & Transaction Monitoring • Merchant & Payments Risk • Fraud Investigations & Root Cause Analysis • Regulatory Compliance & Audit Management • Sanctions & PEP Screening • Risk Analytics & Process Optimization • Risk Framework Design & Control Enhancement • Cross-functional Stakeholder Management I am passionate about building scalable risk frameworks that protect businesses while enabling sustainable growth. My goal is to leverage analytics, technology, and governance to strengthen fraud prevention, financial crime compliance, and enterprise risk management in an increasingly digital world. I am always open to connecting with professionals in **Financial Crime, Fraud Risk, Payments Risk, Risk Advisory, AML, Regulatory Compliance, Risk Analytics, and FinTech** to exchange ideas, share insights, and explore opportunities to create a more secure financial ecosystem.

Location

Gurugram

Work experience

Lead Manager at MobiKwik, May 2025 - Present · 1 yr 3 mos, Gurugram, Haryana, India, -Create and maintain a cohesive ecosystem that bridges Fraud Risk Intelligence with Sales (FTS), ensuring seamless integration of fraud controls without disrupting business growth. -Collaborate closely with sales, risk, and operations teams to identify fraud loopholes in the customer journey and embed preventive controls across the funnel. -Design and implement SOPs that balance risk mitigation with sales enablement, supporting smoother onboarding, fewer drop-offs, and lower false-positive rates. -Continuously monitor FTS-related metrics on Jira and other platforms, ensuring timely resolution of fraud issues impacting customer acquisition or transaction success. -Drive process excellence by optimizing fraud control workflows, reducing manual interventions, and creating reusable documentation for audit and regulatory purposes. -Prepare and maintain audit-ready documentation and activity logs for submission to ReBIT and presentation during RBI audits. -Create and continuously update Standard Operating Procedures (SOPs) to reflect process improvements, regulatory updates, and internal control measures. -Manage and implement necessary changes on the Fraud Risk Management (FRM) team’s Jira board, ensuring timely closure of tasks, alignment with compliance standards, and cross-functional collaboration with tech and operations teams. -Support audit queries with relevant evidence, RCA reports, and control validation for periodic reviews and inspections. -Lead, mentor, and manage a high-performing fraud operations team. - Collaborate with Law Enforcement Agencies (LEA), Ministry of Home Affairs (MHA), banks, and regulatory bodies for incident reporting and resolution. - Work closely with banking and regulatory partners to devise proactive fraud mitigation strategies. - Develop, implement, and continuously enhance fraud detection controls and response mechanisms. - Investigate suspicious activities to identify fraud trends, patterns, and emerging threats.

Assistant Manager at AdsPayMedia Private Limited, May 2024 - May 2025 · 1 yr 1 mo, Noida, Uttar Pradesh, India, Overseeing digital risk and compliance functions with a focus on fraud detection, regulatory adherence, and transactional data analysis. Leading initiatives to strengthen internal controls, identify systemic vulnerabilities, and ensure alignment with RBI guidelines. Key Responsibilities: Conduct end-to-end risk assessments of digital ad campaigns and payment workflows to uncover fraud patterns and compliance gaps. Utilize SQL, Tableau, and Python to analyze large-scale datasets, identifying transactional anomalies and operational risks. Develop and implement fraud detection models and internal control frameworks in coordination with cross-functional teams. Enhance incident response protocols and fraud escalation processes, reducing exposure to financial and reputational risks. Maintain updated policy documentation and ensure ongoing compliance with RBI, AML, and internal regulatory standards. Collaborate with finance, legal, and product teams to align risk strategy with business goals and platform innovation.

Senior Fraud Analyst at Paytm Payments Bank, Jul 2019 - Apr 2024 · 4 yrs 10 mos, Noida, Uttar Pradesh, India, Led fraud detection, AML compliance, and transaction monitoring efforts to protect customer assets and uphold RBI regulatory standards. Played a key role in enhancing fraud prevention systems, resolving high-risk escalations, and developing data-driven risk strategies. Key Responsibilities: Conducted Enhanced Due Diligence (EDD) and Customer Due Diligence (CDD) on flagged accounts and suspicious transactions. Analyzed high-volume transactional data to detect patterns of fraud and financial crime using SQL and Excel. Managed regulatory escalations, frozen accounts, and compliance reporting in coordination with nodal officers and legal teams. Reduced manual review time by developing and implementing automated screening processes. Delivered AML/KYC training sessions to strengthen compliance awareness across the team. Handled chargebacks and fraud recovery, documenting all findings for audits and regulatory reviews. Collaborated with product and tech teams to improve fraud detection systems and case management tools

Quality Analyst at Paytm Payments Bank, Jan 2019 - Jun 2019 · 6 mos, Noida, Uttar Pradesh, India, Ensured compliance with regulatory requirements by reviewing customer profiles and transaction records. Conducted thorough audits of KYC and AML documentation to identify gaps or errors. Assessed the effectiveness of KYC/AML processes and recommended improvements. Monitored the accuracy and timeliness of customer due diligence (CDD) and enhanced due diligence (EDD) procedures. Collaborated with the team to resolve discrepancies and ensure proper documentation. Ensured proper reporting of suspicious activities and escalation to appropriate authorities. Provided feedback and training to team members on compliance standards and best practices. Conducted internal audits and risk assessments to identify potential compliance weaknesses.

Digital Marketing Intern at Adspaymedia pvt limited, Jun 2018 - Jul 2018 · 2 mos, Greater Delhi Area

Education

Executive Program ln Strategy Innovation & Leadership, Management Information Systems, General, INSEAD

Gen Ai, Business Analytics, Hero Vired