Ashik M
Team Lead- Fraud Operations
Chennai
Summary
Experienced Fraud Analyst and Team Lead with 9+ years specializing in KYC, ACH/Check monitoring, and debit card fraud investigations. Skilled in leading fraud operations teams to achieve 100% external quality via internal QC processes, improving operational efficiency. Collaborated on projects with industry leaders such as HSBC, Morgan Stanley, and Barclays, demonstrating expertise in risk assessment, transaction analysis, fraud dispute resolution, and global banking compliance. Strong track record in team leadership, daily production monitoring, and KPI tracking.
Overview
10
10
years of professional experience
4026
4026
years of post-secondary education
4
4
Languages
Work History
Team Lead - Debit Card Fraud Operations
Tata Consultancy Services
05.2022 - Current
- Company Overview: Morgan Stanley Project
- Led a team focused on debit card fraud investigation and resolution.
- Maintained 100% external quality through robust internal QC checks.
- Oversaw KPIs, resource utilization, and team attendance.
- Resolved high-value debit card fraud disputes efficiently.
- Utilized tools, including Actimize, 3D Secure, IBM Personal Communication (FDR), and JAWS, for debit card fraud detection and resolution.
- Promoted a positive work environment by fostering teamwork, open communication, and employee recognition initiatives.
- Enhanced overall team performance by providing regular coaching, feedback, and skill development opportunities.
Senior Fraud Analyst - ACH & Check Monitoring
Tata Consultancy Services
03.2019 - 05.2022
- Company Overview: Morgan Stanley Project.
- Analyzed ACH and check transactions for early fraud detection.
- Identified suspicious patterns and flagged risks in compliance with bank protocols.
- Assisted in developing fraud detection rules to improve alert accuracy.
- Conducted a root cause analysis on fraudulent transactions to prevent future occurrences.
- Utilized tools such as Actimize and 3D Secure for monitoring and resolving ACH and check-related fraud cases.
- Leveraged expertise in statistical analysis to identify patterns indicative of fraudulent behavior or transaction anomalies.
- Reduced fraud losses by implementing advanced data analytics techniques and monitoring tools.
KYC Analyst
Tata Consultancy Services
03.2017 - 03.2019
- Company Overview: HSBC Project
- Performed Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD).
- Verified KYC documents and ensured compliance with HSBC regulatory standards.
- Reviewed alerts and escalated high-risk clients to senior compliance officers.
- Assisted in periodic KYC reviews and remediation of legacy client records.
- Coordinated with relationship managers for documentation gaps and updates.
- Worked on KYC platforms such as BMM (Browser Main Menu) and CDD tool to evaluate customer onboarding and periodic reviews.
PPI Analyst (Payment Protection Insurance)
RR Donnelley
12.2015 - 12.2016
- Company Overview: Barclays Project
- Processed and validated Barclays PPI claims in accordance with regulatory guidelines.
- Verified customer-submitted documentation and assessed claim eligibility.
- Maintained accurate records and ensured data integrity during processing.
- Coordinated with internal compliance teams to resolve discrepancies or incomplete information.
Education
B.Com - Bank Management
R.K.M. Vivekananda College
Chennai, India 01.2012 - 01.2015
Higher Secondary - Commerce With Computer Science
Jaigopal Garodia Vivekananda Vidyalaya
Chennai, India03-2012
SSLC - General Studies
Jaigopal Garodia Vivekananda Vidyalaya
Chennai, India03-2010
Skills
- Fraud detection and resolution
- Automated payment monitoring
- Customer due diligence
- Payment protection insurance knowledge
- Performance leadership with strong focus on monitoring key metrics
- Proficient in MS Excel
- Data management expertise
- Experience with IBM Personal Communication (FDR)
- Proficient in JAWS
- Continuous process evaluation
- Guidance and support
- Quality assurance
Timeline
Team Lead - Debit Card Fraud Operations
Tata Consultancy Services
05.2022 - Current
Senior Fraud Analyst - ACH & Check Monitoring
Tata Consultancy Services
03.2019 - 05.2022
KYC Analyst
Tata Consultancy Services
03.2017 - 03.2019
PPI Analyst (Payment Protection Insurance)
RR Donnelley
12.2015 - 12.2016
B.Com - Bank Management
R.K.M. Vivekananda College
01.2012 - 01.2015
Higher Secondary - Commerce With Computer Science
Jaigopal Garodia Vivekananda Vidyalaya
SSLC - General Studies
Jaigopal Garodia Vivekananda Vidyalaya
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