Summary
Overview
Work History
Education
Skills
Timeline
Generic

HIMALI SHUKLA

Summary

Dedicated Investigator who can provide comprehensive risk assessment and review transactions to prevent money-laundering accusations. Utilize advanced data analysis and critical thinking skills to identify fraudulent activities, mitigate risks, and protect client assets.

Also conduct in-depth investigations into high-risk transactions, collaborating with internal and external stakeholders to mitigate financial and reputational risks while fostering a collaborative environment for team success.

Overview

7
7
years of professional experience

Work History

Investigator

Royal Bank Of Canada, RBC
02.2024 - Current
  • Conduct thorough examinations of credit applications, financial statements, and supporting documents while maintaining strict confidentiality protocols
  • Apply OSINT tools to verify data, uncover inconsistencies, and gather crucial evidence.
  • Manage multiple fraud cases, prioritizing high-impact investigations for swift resolution.
  • Draft detailed reports with findings, aiding in risk mitigation and fraud prevention.
  • Collaborate with teams and agencies to ensure coordinated responses to fraud threats.
  • Maintain strict confidentiality and adhere to ethical standards throughout the investigation process.

Fraud Officer

Royal Bank of Canada
06.2022 - Current
  • Investigated and analyzed high-risk transactions across online banking, telephone banking, credit cards, and debit cards, preventing fraudulent activities and reducing financial losses
  • Identified potential identity theft, account takeovers, and unauthorized transactions, implementing appropriate risk mitigation strategies.
  • Assessed and resolved fraud alerts by conducting Enhanced Due Diligence (EDD) and working closely with internal risk teams and external financial institutions.
  • Monitored and managed team inboxes, responding to fraud escalations and assisting service partners in complex investigations.
  • Trained and mentored new team members on best practices, risk assessment techniques, and investigative procedures.
  • Utilized fraud investigation tools, including TSYS, Interac, CAMPS, Fraud UI, TransUnion, and Visa Online, to track and analyze suspicious activities.

Fraud Agent

Royal Bank of Canada
06.2021 - 06.2022
  • Responded to inbound client inquiries regarding potential fraud, providing timely assistance and guidance to resolve issues and enhance customer satisfaction.
  • Monitored and analyzed high-risk credit card transactions to identify and prevent fraudulent activities, safeguarding client assets and minimizing financial losses.
  • Collaborated with internal departments and external financial institutions to investigate and resolve fraud cases, ensuring comprehensive risk mitigation.
  • Educated clients on fraud prevention strategies and security best practices, contributing to increased awareness and reduced incidence of fraud.
  • Maintained accurate records of all fraud investigations and client interactions, ensuring compliance with regulatory requirements and internal policies.
  • 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

Total Credit Recovery
02.2020 - 05.2021
  • Managed a high-volume portfolio of overdue accounts, making up to 250 outbound calls daily to clients with outstanding debts.
  • Negotiated and established customized payment plans based on clients' financial situations to facilitate debt repayment.
  • Advised clients on potential consequences of non-payment, providing solutions to improve their credit standing.
  • Handled inbound calls, responding to client inquiries, processing payments, and offering financial guidance.
  • Ensured compliance with collection laws and industry regulations, maintaining professionalism and ethical practices in debt collection.
  • Documented all communication and payment agreements accurately in the system to maintain detailed client records.

Financial Service Representative

Canadian Imperial Bank of Commerce
06.2019 - 02.2020
  • Assessed clients' financial situations and conducted risk-based evaluations to offer tailored credit, loan, and investment solutions.
  • Provided expert financial advice and solutions to clients, identifying their needs and recommending suitable banking products and services.
  • Educated clients on CIBC's digital banking platforms, enhancing their experience with self-service tools and secure banking practices.
  • Managed daily banking transactions, including account openings, credit card applications, loan processing, and investment product recommendations.
  • Ensured compliance with Know Your Client (KYC) policies, verifying identification and conducting due diligence on high-risk transactions.
  • Developed strong relationships with clients through proactive service, resolving concerns, and delivering an exceptional customer experience.

Customer Service Representative

Canadian Imperial Bank of Commerce
08.2018 - 05.2019
  • Processed a high volume of daily banking transactions, including cash deposits, withdrawals, fund transfers, bill payments, and foreign currency exchanges while ensuring accuracy and compliance with bank policies.
  • Identified and reported suspicious transactions by monitoring high-value cash deposits and withdrawals, assisting in the preparation of Unusual Transaction Reports (UTRs) to ensure compliance with Anti-Money Laundering (AML) regulations.
  • Advised clients on CIBC's banking products and services, identifying opportunities for cross-selling and account upgrades to improve financial well-being.
  • Maintained strict confidentiality while handling client banking information and transactions, ensuring adherence to regulatory and security policies.
  • Provided exceptional customer service, resolving client inquiries and concerns while maintaining a high standard of professionalism and efficiency.

Education

IFIC -

Canadian Securities Institute
06.2018

Business Management - International Business: Business -

Lambton College of Applied Arts and Technology
04.2018

Bachelor of Commerce: Accounting and Finance -

Gujarat University
05.2016

Diploma: Finance Management: Finance -

Ahmedabad University
04.2016

Skills

  • Fraud Detection & Prevention
  • Anti-Money Laundering (AML) Compliance
  • Enhanced Due Diligence (EDD) & Know Your Customer (KYC)
  • Financial Crime Investigations
  • Open-Source Intelligence (OSINT) Analysis
  • Decision-Making Under Pressure
  • Confidentiality & Ethical Standards in Investigations
  • Transaction Monitoring & Unusual Transaction Report (UTR)
  • Client Risk Profiling & High-Risk Account Management
  • Investigation Toolkit (CLU, Casper, Purview, Linx, GCM, IRIS, etc)
  • Fraud UI, TransUnion, TSYS, Visa Online, Application Launch Pad, Sales Platform, CART
  • Analytical Thinking & Attention to Detail

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

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

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

IFIC -

Canadian Securities Institute

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