Pardeep Kumar

• Investigate applications of stimulus with Service NSW suspected or identified incidents of fraud as per Service NSW policies and procedures
• Prepare comprehensive investigation reports and briefs of evidence with recommendations to police liaison team
• Identify weaknesses in process and procedures that can contribute to fraud occurring and record and refer all weaknesses as per service NSW procedures
• Liaise with stakeholders within Service NSW regarding fraud and ensure accurate, on time reporting back to the Coordinator Fraud Triage Team
• Provide SME (Subject Matter Expert) advice on fraud issues to internal and external customers.
• Skilled at working independently and collaboratively in a team environment.

• Prepare detailed suspicious matter reports (SMR) on any anomalies that could be of various matters such as Immigration, Social Security fraud, tax evasion and other Money laundering and terrorism financing concerns and submitted to AUSTRAC
• Coach and train newly hired analysts and acted as a Point of Contact also continuous improvement champion for day to day operational activities, to ensure enquiries are addressed, resolved and/or re-directed for resolution
• Tested the newly proposed automated transaction monitoring rules, system upgrades in collaboration with data analytics and project management teams
• Conducted analysis of the alert flagged in for a review and ensured all alerts and SMRs are completed in a timely manner
• Provided the required assessment and investigation of events in accordance with agreed Service level Agreements (SLAs) as per Customer Value Proposition (CVP)
• Provided investigative analysis and clerical support for sensitive regulator and law enforcement requests and inquiries relating to active terrorism, corruption and money laundering matters
• Worked on rule testing and system migration between Eclipse & Pegasus

Achievement:

• As a Continuous Improvement champion worked with developers to develop a process automation that stored feedback and area's of concern related to SMR's quality at one place
• Coached team members (Analyst & ECDD) in triaging team that reduced defensive reporting and alerts by 70%

Risk and Control Assurance (Shadowing)

• Together with normal duties, worked with RACO team manager for a period of about 8 weeks
• Performed operational effectiveness testing of key controls for Financial crime operations (FCO) with group's Operational Risk Management Framework (ORMF), Group Lending Services in general across Australia and New Zealand
• Supported trusted advisors and risk managers in providing operational advice to the business on any procedural and risk management issues
• Record control test results and evidence in Riskin Site as per procedure to ensure all data accurately recorded for immediately and efficient access by relevant stakeholder
• Prepare incident issue report and liaise with business to resolve within SLA
• Provide advice to improve/strengthen controls and to ensure testing steps are in align with the control descriptions/ standard operating procedure
• Ensure controls for all new and changing processes are up-to-date
• Prepare and provide remediation plans for controls not met the testing requirements
• Work with control owners, Line2 Risk, control enablement team and ability to challenge and influence seniors when necessary.

• Perform reviews of peer's remediation work and operational control checks across the Financial Crime Operations (FCO) in KYC, Transactions Monitoring, HRC and Sanctions operations
• Facilitating calibration session, updating training and scorecards
• Identifying red flags to determine impact to training and investigations
• Complete targeted review and implementing watch-over for analysts that require additional support in order to correct quality

Achievement:

• Contributed to the training material which helped in establishing KPI's of the relevant teams.

• Establish fraud process in Australia to control fraudulent orders for AU and NZ business partners
• Enhanced online order verification process to ensure fraud orders are minimised that reduced losses to restaurant partners
• Tracked chargeback activity to identify best practices for determining fraud
• Monitored real-time queues and analyzed high-risk transactions from specified points of sale within business portfolio

Achievement:

• Reduced chargeback on orders processed using card from 5.8% to 2.3% by affective verification process.

• Contact Business units, branches, and relationship managers to obtain information require to adhere to the Enhanced Customer Due Diligence (ECDD) standards and the AML Operations Agreement
• Conduct Due Diligence (KYC) on existing and new clients when required
• Monitor, analyse and investigate sanctions reviews, risk assessments and where applicable escalate and follow through in seeking solutions to find the best solutions within internal policies
• Where required raise a Suspicious Matter Report as per AUSTRAC typologies
• Manage internal dispute and build risk and compliance frameworks
• Carry out checks of operations systems data to ensure that all necessary information is captured correctly in accordance with reporting obligations
• Participated in new client onboarding and contract renewal processes, conducting due diligence on contract performance and recommending adjustments to better meet client needs
• Cuscal

• Minimise fraud losses to various Credit unions portfolios by reviewing transactional activity on flagged accounts and apply required actions
• Through real time transaction monitoring mitigate fraud scenarios on cards and account that may be of account take over, identity theft, skimming and scams
• Contact clients to confirm the transactions and replace cards where possible
• Educate victims of fraud and scams to suggest ways to protect their accounts going forward.

• Gathering, validating and documenting business requirements
• Modelling business processes and identifying opportunities for process improvements
• Identifying issues, risks and benefits of existing and proposed solutions and outlining business impacts.Propose Test Strategy, Test Plan & Test Schedule
• Prepare test cases/scripts
• Execute the test cases for System Testing, SIT, UAT and Regression
• Finalize test cases through the testing lifecycle, findings and retesting of defects with severity focus
• Prepare regular reports for the project office
• Manage deployment of updated enhancement in UAT and PAT environments alongside briefs for different stakeholders.

• Designated subject matter expert (SME) for all new system enhancements and development for Fraud and Authorizations team with the key responsibility for successful implementation of any projects that could be raising gaps & enhancements to the existing process.
• Work with respective BA, local and regional technology team and relative stakeholders throughout the project implementation.
• Ensure the success of UAT and the PAT, with a focus on testing.
• Work with local & regional technology and develop a map of all systems that will be impacted as a result of the project initiatives, define the testing that is required across the entire platform for the successful implementation.
• Define the project requirements to be included in the project plan, track the status of each deliverable.
• Liaise with the project team and local technology to track the status of all fixes and provide timely feedback to facilitate resolution of any issues identified during testing.
• Attend daily test review session to track the progress of UAT & PAT.
• Co-ordinate the respective Businesses and Partners to execute the implementation plan at time of launch.
• Prepare all necessary process maps and update training material for a successful launch.

• Responsible for optimum parameter settings of Fraud prevention / detections systems
• Conceptualise and implement Fraud strategies for transaction monitoring, track/monitor results and refine/ improve on an ongoing basis
• Identify fraud trends, threats and opportunities and provide trend analysis for Fraud Detection staff
• Conducted thorough investigations into suspected internal fraud incidents
• Prepare and plan roster for 24 X 7 environment
• Assist with Performance Management/Quality Reviews/Staff Communication
• Completion of Daily MIS and Quality Review

Achievement:

• Prepared and implemented through approval process, different strategies during Fast food and supermarket chain compromise to maintain sales vs
• Fraud loss ratio at industry lowest basis points to 3.6.