I am applying for a senior role in Fraud Risk Management, bringing over 20 years of experience across fraud strategy, data science, model validation, and MIS in global banking environments. I currently serve as Lead Frau…
I am applying for a senior role in Fraud Risk Management, bringing over 20 years of experience across fraud strategy, data science, model validation, and MIS in global banking environments. I currently serve as Lead Fraud Data Scientist at Network International (UAE), where I optimize fraud detection rules to improve detection accuracy while reducing false positives.
Previously, as Head – Payment Fraud Strategy (India & Asia) at Standard Chartered, I led digital fraud strategy, governed fraud policies, managed multi market implementations, and built high performing teams. My background also includes IFRS9/IRB model review at Societe Generale and extensive fraud surveillance leadership at Standard Chartered GBS.
I have deep hands on expertise in SAS, R, SQL, automation, and fraud systems (Falcon, TMX, VCAS, RA, RiskNet), along with strong stakeholder management and vendor coordination experience. I am confident in my ability to strengthen fraud defences, enhance digital risk controls, and deliver data driven improvements.
I look forward to the opportunity to contribute to your fraud risk function.
Develop and implement fraud risk strategy for digital channels, Maintain fraud risk policies/rules at acceptable false positive and detection rate, Engage with internal and external audit teams as required, Manage hiring and training for new joiners, Engage with vendors on resolution for issues / new implementations
Automated model validation reports using SAS and Excel Macro.
This has reduced manual efforts in generating the reports.
Review change Request for Retail Data solution changes and Credit metrics changes.
Perform annual validation for application and behavior models.
Exposure to Rating ( PD , EAD and LGD ) model validation.
Review of change requests related to model validation datasets.
Support Annual Validations with Data and Data reconciliation results in timely manner according to approved Annual Validation timeliness.
Deliver standardized templates for Rating and decision models for reconciliation.
Managed team of analysts in development of Retail data generation for rating, decision and behavior models.
This was an automated solution using SAS BI tools and scheduler.
Assist stakeholders with RDS Data issues.
Automated model validation reports using SAS and Excel Macro. This has reduced manual efforts in generating the reports, Review change Request for Retail Data solution changes and Credit metrics changes, Perform annual validation for application and behavior models, Exposure to Rating ( PD , EAD and LGD ) model validation, Review of change requests related to model validation datasets, Support Annual Validations with Data and Data reconciliation results in timely manner according to approved Annual Validation timeliness
Streamlining new & existing account strategy: Supported the Card and Retail Services Credit Risk Infrastructure team that mainly focus on financial products like the Visa, Gift cards and PLCC business for various credit policy, risk and marketing related functions, P&L / Income Statement/EVA: EVA is an Account level Profit/ Loss financial metric. EVA Data mart was created using SAS and DB2 to calculate account level EVA on monthly basis with maximum accuracy and minimum manual intervention. This helped the organization with accurate profitability details at account level, Provided functional and technical guidance to team members in handling the projects, Closely work with US stakeholders for all new process and process improvements
Involve in technical trainings conducted within the team (Best practice sharing), Build MIS systems using SAS BI Tools, DW Testing, Data analysis on Risk/Marketing oriented business metrics and report to client side management, Improvements on existing process using LEAN concepts for various teams within organization, Closely work with client team in United States for all new process and process improvements
Document all software processes and procedures, Ensure that the software’s are built in with proper security features and to audit the security in all applications periodically and report to the senior management on violations, Play a key role of System Support Person for the Business taking care of System related changes / enhancements, Extraction of raw data, analysis and preparation of reports using Microsoft Excel, SQL and SAS, Process improvements by automating them using Microsoft excel, MS-Access, FoxPro, To attend customer issues routed through various departments within the organization, To support various departments on software related issues, To identify data anomaly and report to Management for further action
Develop and implement fraud risk detection/prevention rules
Responsible for well processing of the assigned review of internal models of the bank in terms of timelines, accuracy of the analysis proposed, communication with different stakeholders, Actively participated in independent review of one of the IFRS 9 Retail PD model, mainly involving in creation of RDS data, Independent review one of the IRB PD models, Part of the Annual Review for assigned Non-Retail PD models, Assist other team members related to SAS/R programs or data related issues to ensure timely review of the models
Responsible for Fraud Risk Strategy and MIS, Manage team of 8 comprising of Managers and Analyst
Managing Online fraud for global foot prints of Standard Chartered Bank.
Fraud detection/deflection strategy based on fraud trend.
Building datasets and generation of automated reports using SAS.
Manage/support MIS activities for credit /debit card business for 19 countries.
Upgrade fraud detection capabilities by managing in-house/vendor systems.
Ensure minimum impact BAU activities during system downtimes by providing backup applications using SAS.
Manage authorization parameters based on spends fraud pattern.
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