Summary
Overview
Work History
Education
Skills
Accomplishments
Languages
Timeline
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Harsh Bhagat

Brampton,ON

Summary

Attain a position that will enable me to use my knowledge of various departments of all this time and effectively have conversations with different lines of business and take appropriate actions depending on the role and responsibilities.

Knowledgeable with extensive experience in analyzing and processing claims accurately and efficiently. Proven track record in resolving complex claims and ensuring compliance with industry standards. Demonstrated ability in utilizing analytical skills and attention to detail to support team goals and improve operational processes.

Overview

15
15
years of professional experience

Work History

Senior Fraud Claims Analyst

CIBC
05.2020 - Current
  • Maintained compliance with industry regulations and company policies while managing sensitive client information and claims records.
  • Maintained strict confidentiality with all personal data as per company guidelines.
  • Managed high-volume caseloads, prioritizing tasks to ensure timely completion of all claims.
  • Demonstrated a high level of accuracy and attention to detail in reviewing claim documentation for approval or denial decisions.
  • Conducted thorough investigations into each claim, gathering relevant data and documentation to support decision-making processes.

Associate Analyst

CIBC
03.2018 - 05.2020
  • Evaluated methods and made appropriate changes to increase productivity and decrease turnaround time to accomplish desired output.
  • Demonstrated strong problem-solving abilities while troubleshooting issues related to data integrity or system inconsistencies.
  • Improved team efficiency by streamlining processes and implementing new data analysis tools.

Intermediate Business Analyst

CIBC
12.2016 - 03.2018
  • Answer the inbound calls on a daily basis for CIBC and Simplii Financial Clients and help them with the restrictions on the account in an efficient and timely manner.
  • Investigate account transactions in order to determine possible fraud or unusual activity on the account.
  • Take appropriate actions to mitigate the losses on suspected fraudulent activity on the Client's account.
  • Investigate the Client's account and accordingly reimburse the Clients for the transactions that the Client is disputing for and continue to focus on providing the best client experience.
  • Ensure that the superior customer service level is maintained with both internal and external clients.
  • Monitor unusual activity using several applications/systems including COINS, ECIF, PRM, IBCS, CRS / ICBS
  • Co-ordinate with various other teams under the Fraud Department to help the Client's for the investigation and give them detailed information.

Chargeback Analyst (Retail Card Client Service Operations (RCCSO))

CIBC
02.2016 - 12.2016
  • Work in Representment team wherein the documents/rebuttal received from other Financial Institutions and further analyze and verify all information pertaining to the dispute of the Cardholder
  • Process Pre-arbitration to recover funds from other Financial Institutions for the bank using Visa Online application.
  • Work on outstanding fee collection using Excel spreadsheets for accounting and finance purposes.
  • Function on in-house applications such as AS400/Image, TS2 and DSE log and accordingly decide whether a chargeback is valid or not on Customer's Credit Card.
  • Work on the Copy Request queue in Fraud Chargeback team, requesting copy of sales draft from other financial institutions and also reassigning cases to the Priority queue to process Chargebacks
  • Determine various fraud reason codes and Fraud Types as per Visa Regulations to recover funds from the other financial institutions for fraudulent transactions.
  • Work on the 75 day report daily with peers to avoid any financial losses for the bank and provide excellent customer service to customers and resolve their transactional disputes.

Warehouse Associate

Amazon
11.2015 - 12.2015
  • Pack, stock, organize and rearrange products in warehouse
  • Handle delicate and sensitive products with utmost care and sort them according to the type
  • Organize and maintain records of inventories up to date in the internal system with proper codes.
  • Check the goods returned by the Customer on a daily basis
  • Keep neat and clean warehouse premises

Fund Accountant

Standard Chartered Bank
08.2013 - 10.2015
  • Computing Net Asset Value (NAV) in the System and on Excel spreadsheets on daily basis for the offshore funds
  • Cash & holdings reconciliations between core systems, custodian, prime broker & Investment Manager
  • Investment accounting - including trade entry, securities and holdings data maintenance
  • Investor related processing - including subscriptions and redemptions
  • Generating daily, monthly, quarterly and year-end financial statements including audit support, analytical review, research and resolution of discrepancies
  • Manage relationships with clients and counterparties and handle various queries via a phone call or emails
  • Providing weekly, fortnightly and monthly updates to the top management along with reasons and numbers
  • Preparing various MIS’s (Management Information System) on a monthly basis and sharing the same with the management and the team members

Analyst

Nomura Pvt. Ltd. (formerly, Lehman Brothers)
02.2011 - 07.2013
  • Opening various types of Accounts (Equities, Fixed Income, etc.) in the GRAPES (Global Relationship Account Profile Entry System) for various clients across the globe requested by the counterparts
  • Adding, deleting and amending the SSI’s (Standard Settlement Instructions) on SWIFT application as per the Global Database instructions or Client’s provided instructions.
  • Adding different set of wire types (Cash wire, Fed wire and DTC) on the fixed income and equity accounts and working knowledge of MT wire messages.
  • Train and assist newly hired team members in understanding the functioning of different processes
  • To create new financial schedules with automation and eliminate waste of duplication
  • Process income received journals, ensuring these correctly reflect the income recorded in the database
  • Prepare month end accruals and prepayment journals

Education

Post Graduated Diploma - Business Management (MBA); Finance Major

Rizvi Academy of Management

Masters of Commerce(M-Com-1) - Management Major

M.K.S.C. (Affiliated To Mumbai University)

Bachelor of Commerce - Accounts and Taxation

M.K.S.C. (Affiliated to Mumbai University)

Skills

  • Claims analysis and evaluation
  • Customer service and support
  • Decision-making
  • Analytical Thinking
  • Problem Solving
  • Interpersonal and written communication
  • Data interpretation and Reporting
  • Excel proficiency
  • Fraud Monitoring and investigations
  • Proficient in computer applications
  • Adept at system navigation techniques
  • Proficient typing skills (54 wpm)

Accomplishments

  • Collaborated with team of 3 in the development of Simplii Financial Cards and helping partners to create an SOP.
  • Extensive Product knowledge of CIBC and Simplii Financial products and training team members as and when required.

Languages

English
Native or Bilingual
Hindi
Full Professional

Timeline

Senior Fraud Claims Analyst

CIBC
05.2020 - Current

Associate Analyst

CIBC
03.2018 - 05.2020

Intermediate Business Analyst

CIBC
12.2016 - 03.2018

Chargeback Analyst (Retail Card Client Service Operations (RCCSO))

CIBC
02.2016 - 12.2016

Warehouse Associate

Amazon
11.2015 - 12.2015

Fund Accountant

Standard Chartered Bank
08.2013 - 10.2015

Analyst

Nomura Pvt. Ltd. (formerly, Lehman Brothers)
02.2011 - 07.2013

Bachelor of Commerce - Accounts and Taxation

M.K.S.C. (Affiliated to Mumbai University)

Post Graduated Diploma - Business Management (MBA); Finance Major

Rizvi Academy of Management

Masters of Commerce(M-Com-1) - Management Major

M.K.S.C. (Affiliated To Mumbai University)

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Harsh Bhagat