Mahesh Ramani

Experience

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  Tata Consultancy Services

  Feb 2010 - Jul 2013

  Fraud analyst

  Process 1: Fraud prevention Unit• Monitoring transactions through Fraud early warning system on real time basis and contacting customers to confirm transactions.• Raising disputes when requested by the cardholder on any transaction.• Blocking or cancellation of card if transactions are proved fraudulent.• Placing blocks on the merchant on request from the corporate for preventionProcess 2: Application Tester (UAT)• Functional Testing on each and every component of the Citibank Web based Application (Citimanager) across the globe.• Regression testing after fixing Defects and verify that the fixes didn’t create problems elsewhere• Detecting Defects & classifying them based on severity, priority.• Proficient in writing Test cases by using test case design technique. • Performing Test Execution Process, Defect Life Cycle, and Test Plan.• Active participation with the BA team for new enhancements.• Analyzing system requirements provided in functional specification document and develops test scripts to test functionalities. Show less

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  Groupon

  Aug 2013 - Mar 2015

  Site integrity Team leader

  • Proposing changes to risk scores that alerts suspicious transaction to increase fraud hit rate over purchases made on Groupon website for Middle east and South Africa..• Check incoming transactions on real time basis for Fraud and flag the one's which are confirmed fraudulent. • Refund all transaction done on the account once flagged for fraud and blacklist cards, email ids and shipping address.• To work on chargeback report and defend the ones that is applicable under service related issues.• Liaising with customer for transaction verification through email through respective regional contact points.• Coordinate with regional managers and understand the fraud trends also present them with weekly status.• Conduct weekly meeting with the team to give new updates.• Training for newly hired fraud analyst• Analysis on fraud trend and prepare a report to the stake holders• Team management – Preparing weekly shift schedule, work allocation, management updates. Show less

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  HDFC Bank

  Mar 2015 - Sept 2018

  Deputy Manager

  • Devising Fraud prevention strategy to manage fraud risk across Payment spectrum covering Credit Cards, E-Commerce, Debit portfolios. • Liaison with Visa / MasterCard /International banks on fraud mitigation and prevention items• Implementation of Internal security measures & controls to prevent Data leakage and compromise• Reporting fraud trends to Senior Management through board notes and presentations• Manage 2 fraud prevention systems (that includes real-time & near-real time), by ensuring high efficiency & effectiveness.• Fraud analytic with focus on Behavior models, high hit rates, low false-positives and optimal alerts.• Minimizing the fraud losses through early fraud detection and high fraud prevention/denial rate.• Anticipate fraud trends, changes impacting the payment business and ensure preparedness• Ensure early identification of CPPs (Common Point of Purchase or Compromise) & preventive actions• Devising new rules in system using statistical techniques to alert/decline suspicious transactions in fraud monitoring system. Show less

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  Unimoni India

  Oct 2018 - Aug 2020

  Lead

  Devising Real time and Near time rules in EMS (MasterCard) and VRM(VISA) for prepaid cards and managing alert queues.Managing false positive ratio and increasing fraud detection rate on real time basis.Managing outbound team to call customers for transaction confirmation.Dashboard presentation on existing fraud trend and providing forecasted alerts.Providing load analysis on monthly basis to make sure BAU is handled as expected.Capacity planning on productivity vs product demand.Gathering information on reported fraud and identifying point of compromise at merchant level.Minimizing spend loss by optimizing existing real time rules and increasing successive transactions Handling ADC alerts (account data compromise) shared by Mastercard and identifying POC(Point of compromise) basis historical data of customers.Handling day to day activities of Operations teamHandling escalations and special handlingSetting KPI for all subordinatesManaging 18 member team on operations, dispute management and fraud controlRaising new projects to reduce man hours and costManaging dispute resolution team Show less

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  MatchMove Pay Pte. Ltd.

  Aug 2020 - Mar 2022

  Risk Manager
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  Tata Digital

  Mar 2022 - now

  Associate Director

  Building solutions for fraud monitoring and prevention on real time basis through a customer journey from signup till payments.