Krish Kiruparasa
Scarborough,ON
Summary
Fraud Analyst with proven expertise in fraud detection and chargeback processing at Bank of Montreal. Proficient in utilizing banking systems such as TSYS to enhance operational efficiency. Strong background in customer communication and employee training, contributing to improved team performance and quality outcomes.
Overview
12
12
years of professional experience
Work History
Fraud Analyst
Bank of Montreal
Toronto, Ontario
09.2022 - Current
- Processed customer fraud claims related to debit card transactions.
- Investigated various fraudulent activities including online and in-store purchases, money transfers, ATM withdrawals and bill payments.
- Processed chargebacks for eligible transactions using TSYS and PEGA systems.
- Contacted customers to gather information for case processing and provide investigation outcomes.
- Trained new employees on TSYS, PEGA, Interac OAS, and Customer Connect systems.
- Identified emerging fraud trends and shared insights with team members during huddles.
Chargeback Analyst
NTT DATA(PC Financial)
Toronto, Ontario
03.2021 - 08.2022
- Initiated claims for cardholder concerns including fraud, authorization, and Point of Interaction disputes.
- Utilized TSYS, PEGA, and Mastercom(Mastercard) systems to process chargebacks and recover funds from merchants.
- Reviewed supporting evidence for fraud and non-fraud representments in response to chargebacks.
- Managed chargeback escalations for cases approaching critical timeframes due to cardholder complaints.
Process Associate
Tata Consultancy Services(TD Bank)
Chennai, India
04.2016 - 05.2019
- Processed chargebacks with VISA using TSYS systems for disputed transactions to recover funds from merchant banks.
- Reviewed supporting documents during pre-arbitration initiated by merchant banks, validating cardholder information.
- Filed approximately 500 arbitration cases with VISA against various merchant banks globally.
- Trained new employees on process flow and procedures, accrediting based on learning skills.
- Screened cases processed by agents as a Quality Controller and provided feedback to ensure quality standards.
Fraud Analyst
Quatrro Global services(Chase Bank)
Chennai, India
06.2013 - 08.2014
- Reviewed individual transactions to identify potential fraudulent activity.
- Analyzed extensive data sets to detect fraud patterns.
- Blocked debit cards in TSYS systems following identification of fraudulent transactions.
Education
Post Graduation Certificate - Computer Systems And Networks
University of Greenwich
London, UK01-2016
Bachelor of Science - Computer Science
Loyola College
Chennai02-2014
Skills
- Fraud detection
- Data analysis
- Regulatory compliance
- Chargeback processing
- Transaction monitoring
- Customer communication
- Employee training
- Dispute resolution
- Problem solving
- Banking operations
Timeline
Fraud Analyst
Bank of Montreal
09.2022 - Current
Chargeback Analyst
NTT DATA(PC Financial)
03.2021 - 08.2022
Process Associate
Tata Consultancy Services(TD Bank)
04.2016 - 05.2019
Fraud Analyst
Quatrro Global services(Chase Bank)
06.2013 - 08.2014
Post Graduation Certificate - Computer Systems And Networks
University of Greenwich
Bachelor of Science - Computer Science
Loyola College
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