Summary
Overview
Work History
Education
Skills
Timeline
Generic

HIMALI SHUKLA

Oshawa

Summary

Dedicated Investigator, Corporate Investigation Services (CIS) who conduct thorough investigations, analyzing accounts and identifying fraudulent activities. Strong analytical skills, attention to detail, and a commitment to maintaining the integrity of financial operations. Ability to thrive in a fast-paced environment, organized, detail-oriented, and seeking a challenging role for continued growth in my career.

Overview

6
6
years of professional experience

Work History

Investigator

Royal Bank Of Canada, RBC
02.2024 - Current
  • Investigate suspected falsified credit applications by gathering and examine financial statements, tax returns, bank records, employment verification documents and other supporting materials submitted with credit applications.
  • Prioritize and manage multiple investigations simultaneously, focusing on cases with the most urgent and significant impact.
  • Utilize open-source intelligence (OSINT) tools and techniques to quickly verify information, identify inconsistencies, and uncover relevant details.
  • Prepare detailed investigation report outlining findings, evidence and make sound, evidence-base decisions under tight deadlines to mitigate risk and prevent further fraudulent activity.
  • Collaborate with internal teams as well as external agencies to ensure a coordinated and swift response to potential fraud.
  • Maintain strict confidentiality and adhere to ethical standards throughout the investigation process.

Fraud Officer

Royal Bank of Canada
06.2022 - Current
  • Investigate and analyze rule breaks on suspected fraudulent activity done through Online Banking, Telephone Banking, Credit Card, and Debit Card channels
  • Monitor and work the team’s generic inbox to assist service partners and OFIs with either investigating potential victims of fraud or handling complex escalations
  • Identify potential bad account openings or victims of ID Theft while investigating fraud alerts to ensure proper restrictions and teams are notified to mitigate risk to RBC
  • Assist new to-role employees with complex investigations and sharing best practices related to investigating accounts
  • Cross-skilled in Debit Prevention to investigate alerts related to Debit Card and Virtual Visa Debit Card channels
  • Cross-skilled in DTCC to investigate alerts related to account takeovers related to the credit card portfolio.

Fraud Agent

Royal Bank of Canada
06.2021 - 06.2022
  • Take high volumes of calls related to fraud on the Credit Card portfolio
  • Identify fraudulent transactions and verify with clients in a timely manner and take necessary actions to ensure operational risk/loss is mitigated while minimizing client impact
  • Identifying and reporting potential fraud trends to the management team
  • Pay attention to the caller’s behavior and tone while performing security questions to identify potential account takeovers through phone impersonation
  • Be accountable for the quality and accuracy of day-to-day responsibilities, ensuring a balanced focus on enhanced client experience, efficiency, effectiveness, and operational risk.

Debt Counsellor, operator

Total Credit Recovery
02.2020 - 05.2021
  • Completed up to 250 outbounds a day to clients with outstanding debt
  • Advised indebted individuals of the potential outcomes of non-installment and give suitable credit directing
  • Taking inbound calls from clients and responding promptly to their questions and help set up installment plans based on needs
  • Ensuring all contacts are in accordance with the administrative prerequisites
  • Answering client's various questions regarding issues with their records or profile.

Financial Service Representative

Canadian Imperial Bank of Commerce
06.2019 - 02.2020
  • Pro-actively discovered, understood, and recognized clients' need to provide sound financial solutions and products to address their ever-specific goals, requests, and concerns
  • Developed and maintained knowledge and understanding of integrated services and offerings with a focus on banking products and procedures
  • Reviewed client transaction activity to identify and confirm impersonations, first-party fraud, and fraudulent activity to mitigate losses and risk arising due to suspected fraudulent activity
  • Analyzed & documented actions taken against each product/client/entity by preparing reports and updating the appropriate databases for each file processed
  • Established professional and responsive relationships with customers to ensure total customer satisfaction while meeting all business profitability objectives
  • Analyzed clients' needs based on their current financial situation.

Customer Service Representative

Canadian Imperial Bank of Commerce
08.2018 - 05.2019
  • Provided excellent customer service in a face-to-face environment by assisting clients with their needs and concerns
  • Systematically follow the client verification process in case of large volume cash withdrawal, replacement bank card, and bank draft to prevent fraud
  • Recognize opportunities by making referrals for client conversion, acquisition of new account relationships, and by cross-selling CIBC products and services
  • Ensured Valid IDs are kept on file to adhere to internal KYC policies.

Education

IFIC -

Canadian Securities Institute
Toronto, ON
06.2018

Business Management - International Business: Business -

Lambton College of Applied Arts and Technology
Mississauga, ON
04.2018

Bachelor of Commerce: Accounting and Finance -

Gujarat University
Ahmedabad, India
05.2016

Diploma: Finance Management: Finance -

Ahmedabad University
Ahmedabad, India
04.2016

Skills

  • Ability to work well within a team environment with effective communication
  • Ability to work individually with effective communication, time-management skills while being self-managed
  • Proactive, patient & energetic with an ability to quickly adapt to constantly changing environments
  • Complex problem-solving and critical thinking skills
  • Strong investigative skills with attention to details
  • Strong understanding of RBC's banking products and services
  • Working knowledge of EIM, GCM, IRIS, Linx, Investigation toolkit, CLU, Casper, Purview, Collateral Guard, Ecore, Sales Platform, CART, TBS, TSYS, Application Launch Pad, Visa Online, Camps, Fraud UI, Transunion, Interac OAS, Certapay, etc

Timeline

Investigator

Royal Bank Of Canada, RBC
02.2024 - Current

Fraud Officer

Royal Bank of Canada
06.2022 - Current

Fraud Agent

Royal Bank of Canada
06.2021 - 06.2022

Debt Counsellor, operator

Total Credit Recovery
02.2020 - 05.2021

Financial Service Representative

Canadian Imperial Bank of Commerce
06.2019 - 02.2020

Customer Service Representative

Canadian Imperial Bank of Commerce
08.2018 - 05.2019

IFIC -

Canadian Securities Institute

Business Management - International Business: Business -

Lambton College of Applied Arts and Technology

Bachelor of Commerce: Accounting and Finance -

Gujarat University

Diploma: Finance Management: Finance -

Ahmedabad University

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