Gautami Nitin Rao
Mumbai
Summary
Fraud and financial crime expert with an MSc in Finance from the UK and extensive experience in fraud risk management within a Tier-1 UK bank. Proven track record in conducting comprehensive fraud investigations, ensuring chargeback compliance, and achieving regulatory standards. Skilled in analyzing fraud patterns, enhancing control measures, and minimizing customer impact while optimizing fraud loss strategies. Proficient in collaborating with international stakeholders and adapting to dynamic business requirements in fast paced environments.
Overview
6
6
years of professional experience
1
1
Certification
Work History
Dispute and Fraud Analyst
Lloyds Banking Group
03.2024 - 12.2025
- Conduct end-to-end investigations of disputed transactions and suspected fraud, making independent decisions in line with FCA and internal VISA compliance frameworks.
- Support fraud loss mitigation by raising and managing chargebacks, ensuring compliance with SLAs, scheme timelines, and regulatory obligations.
- Collaborated with internal teams to resolve complex fraud cases effectively.
- Maintained accurate records of dispute resolution outcomes and documented findings from investigations.
- Act as a first line fraud risk contributor, identifying emerging fraud patterns and escalating potential control gaps to internal fraud and risk teams.
- Forensic & Regulatory Expertise
- Stakeholder Management
Accounts Assistant
Doberman Security Solution Pvt Ltd
07.2021 - 08.2022
- Strengthened financial accuracy by leveraging accounting expertise to prepare precise statements and reconcile complex accounts in line with organisational and statutory standards.
- Coordinated across finance and compliance teams to deliver timely month-end closes and management reporting.
- Accounting Expertise & Self-starter
- Verbal & Written Communication
Account Executive
Vishwajyoti Vidya Mandir School
04.2020 - 06.2021
- Managed invoicing, fee tracking, and financial data entry.
- Ensured records complied with internal procedures and local regulations.
- Financial Operations
- Accountability & Compliance
Education
MSc - finance
Loughborough university
Bcom -
Sri Sri University
Skills
- Financial reporting
- Fraud detection and risk assessment
- Regulatory compliance
- Transaction monitoring
- QuickBooks proficiency
- Advanced Excel skills
- Power BI dashboard creation
- Chargeback governance
- Customer fairness and outcomes
Certification
- Level 4 Diploma in Applied Finance, 2023
- Forensic Accounting & Fraud Examination, West Virginia University, 02/2025 - Coursera
Projects
Impact of the Global Financial Crisis, 08/2023 - 09/2023, Analyzed risk management strategies from the 2008 financial crisis and applied insights to modern financial markets., Risk Management & Equity Markets Usage of Plastic Money, 01/2020 - 04/2020, Researched consumer behavior towards credit cards, proposing improvements for payment systems based on survey results., Behavioral Economics
Awards
- International Olympiad of Science - State Topper, Awarded for exceptional academic performance and analytical ability in applied science, demonstrating precision, problem-solving, and intellectual curiosity.
- Rashtrapati and Rajyapuraskar Awards (President of India Award), Conferred by the President of India for exemplary leadership and commitment to community service, leading social welfare initiatives and youth engagement programs.
Timeline
Dispute and Fraud Analyst
Lloyds Banking Group
03.2024 - 12.2025
Accounts Assistant
Doberman Security Solution Pvt Ltd
07.2021 - 08.2022
Account Executive
Vishwajyoti Vidya Mandir School
04.2020 - 06.2021
MSc - finance
Loughborough university
Bcom -
Sri Sri University