Fraud Risk & Fin Crime | AML | KYC | Transaction Monitoring | Fraud Analytics & Investigation

Designed and implemented a Global Risk Governance Framework, embedding control-testing procedures, obligation re-views, and audit-readiness protocols aligned with financial crime and compliance standards. Led risk analytics and leakage analysis to detect anomalies and risk exposures, translating findings into actionable mitigation strategies presented to senior stakeholders. Served as Regional Project Lead for digital transformation of risk management systems, integrating AI/automation to strengthen risk visibility, monitoring efficiency, and SLA adherence. Authored governance SOPs and operating manuals ensuring consistent execution and audit readiness across internal reviews and external inspections.

Led advanced analytics initiatives to assess customer risk profiles, detect behavioral anomalies, and identify fraud/financial-crime indicators, enabling proactive risk prevention across the customer lifecycle. Designed and calibrated detection scenarios and red-flag typologies using trend and loss analysis, improving risk selection accuracy by 18%. Digitized manual, high-dependency investigative and underwriting controls into automated workflows, improving through-put efficiency by 30% while authoring BRDs and risk frameworks for compliant approvals.

Directed end-to-end analytical governance for fraud and portfolio risk over a 4.5-year tenure, leading complex, Level equivalent alert investigations using advanced anomaly detection and red-flag frameworks. Conducted deep-dive due-diligence investigations on intermediaries, entities, and location clusters using geo-analytics (lat-long intelligence, PIN code clustering, hotspot mapping) to uncover non-obvious risk patterns. Orchestrated structured investigation cadences across Underwriting, Claims, Risk, Network, and Distribution teams, converting analytical insight into corrective action plans and C-suite MI dashboards.