SANJAIKUMAR J

[email protected] 7397660468 Chennai, India

PROFESSIONAL SUMMARY

Senior Fraud Analyst with 3.9+ years of experience in fraud investigations, payments risk, card operations, and investment banking processes. Proven expertise in Account Takeover (ATO), ID Theft, Money Mule, Debit Card Fraud, Check & ACH, Wire, Zelle (P2P), and high-risk document verification. Strong background in SLA management, MIS reporting, regulatory compliance, and process optimization, consistently recognized for quality, accuracy, and performance.

WORK EXPERIENCE

Senior Fraud Analyst
04/2025 - Present
WNS Global Services
Act as Shift Lead, monitoring daily productivity, quality, TAT, and absenteeism across queues
Prepare and distribute daily, weekly, and monthly MIS reports for management and clients
Create, review, and update SOPs, process maps, and workflows to ensure SLA compliance
Conduct end-to-end fraud investigations including ATO, ID Theft, Money Mule, and Account Abuse
Monitor E-Trade brokerage, IRA/Roth IRA, custodial, and investment accounts for suspicious activity
Review and investigate Check, ACH, Wire, Zelle, and POS transactions, including returns and deposits
Raise Stop Payments, Trade Busts, and Exception Payment Requests (EPR) to prevent financial loss
Perform high-risk ID and document verification for new and existing stock plan accounts
Create detailed incident reports, recover unauthorized payments, and escalate fraud trends
Support payment teams during high-volume periods, including wire and Zelle clearances
Provide training, mentoring, and knowledge transfer to new joiners and team members
Credit Card Operations
Managed credit card maintenance requests including limit changes, card blocking, and product upgrades
Assigned and tracked service tickets, ensuring timely and accurate closure
Reviewed completed cases for system accuracy and policy compliance
Assisted in financial transactions such as reversals, write-offs, and fund transfers
Payment Posting Associate
10/2024 - 02/2025
Omega Healthcare
Verified patient eligibility and posted payments, adjustments, and denials for high-volume claims
Reviewed EOBs (Explanation of Benefits) to ensure accurate and compliant postings
Assisted in month-end reconciliation and reporting
Coordinated with insurance providers to resolve payment discrepancies
Process Associate – Fraud & Payments Operations
03/2022 - 10/2024
Tata Consultancy Services (TCS)
Investigated debit card fraud cases using Actimize and Excel, coordinating with Card Works (Branch)
Issued provisional credits after validating POS details, MCC, restitution dates, and loss types
Processed interest adjustments and charge reversals (Reg E, MC) using JAWS journals
Managed fraud affidavits and forgery documentation in compliance with regulations
Conducted claim investigations by reviewing call recordings, CSC notes, STAR transactions, and logs
Performed PinDrop analysis to identify suspicious call patterns
Monitored Zelle (P2P) transactions for potential fraudulent activity

EDUCATION

Bachelor of Science (Physics)
01/2021
Vivekananda College, Madurai GPA: 70%

SKILLS

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