Summary
Overview
Work History
Education
Skills
Websites
Accomplishments
Timeline
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Amandeep Kaur

Toronto,Canada

Summary

Results-oriented Chargeback and Risk Professional with in-depth understanding of financial risks associated with range of organizational actions. Highly motivated individual with strong communication skills, carry a sense of tact and empathy under pressure, and have a sixth sense for identifying problems while implementing and communicating solutions.

Overview

7
7
years of professional experience

Work History

Risk Analyst

Wave HQ
08.2023 - Current
  • Performed complex fraud investigations using a wide variety of data in order to accept, reject or refer transactions for further investigation.
  • Adjudicating new Payment applications to assess the credit risk of new businesses.
  • Assessing the chargeback risk of each business and working directly with small business owners to establish good business practices to protect themselves against disputes.
  • Collaborated with internal teams to establish robust controls for mitigating operational risks across various business lines.
  • Collaborated on implementation of collection strategies with collections, risk and fraud teams.
  • Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.
  • Demonstrated strong attention to detail in
    minimizing fraudulent activities, identifying risk
    exposure, highlighting fraud trends, and
    determining regulatory or compliance violations.
  • Providing ongoing account management to proactively identify deterioration of good businesses.
  • Working closely with our customers, Payment Operations, Customer Success and the Product team, allowing us to deliver the best experience possible to our users.


SENIOR CHARGEBACK ANALYST

WAVE HQ
06.2022 - Current
  • Maintained high-quality scores in chargeback resolution and Directed involvement on problem resolution
  • Conducted interviews and hired five people in the team
  • Worked with peers and managed services leadership to communicate chargeback and fraud trends
  • Identified procedural areas of improvement and made continuous improvements to the chargeback process.
  • Trained new team members on chargeback procedures, enhancing overall efficiency within the department.
  • Collaborated with cross-functional teams to develop comprehensive fraud prevention policies and procedures.

CHARGEBACK AND DISPUTE ANALYST

WAVE HQ
07.2021 - 06.2022
  • Resolved customer disputes with the correct resolution code and error-free on the first chargeback
  • Handled settlement and reconciliation of the accepted chargebacks
  • Educated Merchants about the chargeback and dispute Cycle.
  • Supported clients by maintaining thorough knowledge of regulatory requirements and industry best practices in dispute management.
  • Streamlined the documentation process, expediting case resolutions and improving overall client relations.

EASYLINE SPECIALIST

TD CANADA TRUST
08.2018 - 06.2021
  • Played a key role in enhancing the customer experience
  • Identified all sales opportunities to retain and grow TD's business
  • Consistently exceeded efficiency, sales revenue, and customer experience survey targets
  • Acted as part of 'Branch Banking Partners' helping the branch transition to Easyline
  • Won 'Brilliant Basics challenge' and Q3 2020 bravo award.

COLLECTIONS AGENT

TOTAL CREDIT RECOVERY
03.2017 - 09.2018
  • Recognized trends and key traits of accounts to successfully liquidate the debts
  • Reviewed and analyzed debtors credit history for any viable mean to pay a demand debt for American Express portfolio
  • Implemented negotiation tactics to settle complex customer issues accounts for immediate payment arrangements
  • Responsible for meeting the individual monthly target to help a team achieve the monthly target for a client.

Education

POST GRADUATE DIPLOMA (GLOBAL BUSINESS MANAGEMENT) -

CENTENNIAL COLLEGE
04.2018

MBA (FINANCE) -

ALL INDIA MANAGEMENT ASSOCIATION
04.2014

BACHELOR'S IN COMMERCE(COMPUTERS) -

OSMANIA UNIVERSITY, INDIA
03.2012

Skills

  • Advanced Excel/Google sheets/Microsoft office
  • Time management
  • Problem-solving
  • Jira
  • Customer Retention/Account Management
  • Decision making and Team Building
  • Process Improvement
  • Fraud investigations and prevention
  • Credit and Risk analysis
  • Critical thinking skills
  • Attention to Detail
  • Chargeback and payment processing

Accomplishments

  • Initiated the project “Optimizing DIY chargebacks”- The purpose of this project was to put onus on the merchants to prepare their documents fully themselves before they submit them to the team. The end vision was for the merchants to be able to submit their documentation to the banking partner i.e., WorldPay automatically.
  • Key part/tester of launching the Pega Systems to automate the case workflow and case assignment to each agent in the team.
  • Revamped the Chargeback and risk knowledge system by creating the Guru cards to ensure it's organized, accessible and understandable.
  • Worked with the Data Analyst and Automated Chargeback Cover letter Generator on Zingtree to increase efficiency. Added the option of customizing the cover letter based on different dispute reason codes by providing ready to go response and templates.
  • Handled the biggest chargeback case in the company’s history i.e., merchant had received over 300 chargebacks in the span of 3-4 months. I have worked closely with the merchant to ensure every single document is detailed and accurate, creating the best chance for success. I have been instrumental in building the cases and being persistent with every aspect of dispute, resulting in a 58%-win rate and helped the company to reduce loss of over $1M.


Timeline

Risk Analyst

Wave HQ
08.2023 - Current

SENIOR CHARGEBACK ANALYST

WAVE HQ
06.2022 - Current

CHARGEBACK AND DISPUTE ANALYST

WAVE HQ
07.2021 - 06.2022

EASYLINE SPECIALIST

TD CANADA TRUST
08.2018 - 06.2021

COLLECTIONS AGENT

TOTAL CREDIT RECOVERY
03.2017 - 09.2018

POST GRADUATE DIPLOMA (GLOBAL BUSINESS MANAGEMENT) -

CENTENNIAL COLLEGE

MBA (FINANCE) -

ALL INDIA MANAGEMENT ASSOCIATION

BACHELOR'S IN COMMERCE(COMPUTERS) -

OSMANIA UNIVERSITY, INDIA
Amandeep Kaur