Urbi Ghosh

Fraud Prevention and Dispute Management:

• Investigate chargebacks and disputes using MasterCard, Visa and UnionPay platforms.
• Produce and maintain detailed records and conducting thorough research.
• Ensure adherence to payment scheme rules and guidance, mitigating financial and reputational risks.
• Perform reconciliation on a periodical basis
• Proactively identify and report potential threats based on transaction monitoring activities.

Compliance and Risk Management:

• Monitor transactions for suspicious activity and identify potential fraud attempts.
• Analyze alerts and determine their validity, providing clear rationales for discounting or pursuing them.
• Work collaboratively with other teams to resolve disputes and ensure compliance with regulations.
• Generating Transaction Monitoring reports on weekly and monthly basis.
  

• Proven track record of resolving queries related to inward and outward payments, ensuring timely processing and resolution.
• Skilled in monitoring payment queries and portals, guaranteeing efficient transaction management within deadlines.
• Adept at liaising with clients and third-party banks via SWIFT, facilitating smooth communication and collaboration.

Compliance & Risk Management:

• Successfully implemented and managed quality programs to reduce overdue compliance activities, mitigating risks.
• Ensured banking operations remain risk-free by rigorously maintaining AML client payment filtering processes.
• Protected clients and contributed to organizational success through proactive risk management.

Communication and Subject Matter Expertise:

• Served as a subject matter expert, providing guidance and support to staff and customers, including collaboration with external agencies during audits and compliance remediation.
• Demonstrated strong investigative skills by identifying, investigating, and documenting compliance violations, recommending effective corrective measures.

Demonstrated commitment to continuous improvement by:

• Staying updated on AML/KYC regulations and industry best practices, sharing valuable insights with colleagues to enhance compliance programs.
• Optimizing the client onboarding process through streamlined KYC documentation collection and verification, ensuring accuracy and efficiency.
• Mentoring team members to develop their skills and deliver error-free transactions, fostering a culture of excellence.

• Streamlined operations: Implemented new methods, practices, and systems that demonstrably reduced turnaround time. Regularly tracked progress and presented insightful reports to leadership, ensuring informed decision-making.

• Provide professional customer service to achieve high customer satisfaction and retention

• Leveraging Finacle proficiency, I expertly managed core banking operations, including digital banking, account, deposit, loan, and transaction processing. Notably, I played a key role as a team member during the implementation of India's demonetization project, demonstrating my ability to adapt and thrive in dynamic environments.