Rashmi Talukdar
Toronto,Canada
Summary
Proven in enhancing fraud detection and customer satisfaction at J P Morgan and Chase, I excel in chargeback management and critical thinking. My background includes implementing advanced prevention strategies, reducing financial losses, and fostering strong client relationships. Skilled in Microsoft Office and teamwork, I consistently achieve positive outcomes through meticulous attention to detail and effective problem-solving. Well-qualified financial systems leader offering demonstrated skill and success in managing internal accounting processes, improving controls and strengthening systems for optimal performance. Proficient in all aspects of accounting, including accounts payable and receivable, budget administration and payroll. Gifted in building and leading solid teams to handle high-volume operations with consistency, accuracy and full compliance with regulatory requirements.
Overview
7
7
years of professional experience
Work History
Senior Fraud and Chargeback Analyst
BluCognition Pvt. Ltd. (Client: ZIP Co)
04.2021 - 07.2023
- Resolved disputes by processing refunds and debits to cardholders or merchants.
- Maintained thorough knowledge of changing industry regulations, ensuring compliance in all chargeback processes.
- Increased customer satisfaction by providing prompt and accurate resolutions to chargeback disputes.
- Conducted detailed investigations into complex cases, resulting in successful resolutions for both company and clients.
- Enhanced fraud detection by implementing advanced chargeback prevention strategies and tools.
- Minimized fraudulent claims by thoroughly reviewing transaction data and substantiating evidence provided by merchants or customers.
- Reduced financial losses from chargebacks by closely monitoring transactions and identifying suspicious activity.
- Streamlined the dispute resolution process through effective communication with merchants, banks, and customers.
- Identified trends in fraud patterns, enabling proactive measures to mitigate risks associated with high-risk transactions or industries.
- Identified fraud and reported suspected cases to appropriate contact.
- Investigated disputed credit or debit card transactions.
- Input financial data and produced reports using Zendesk and Stripe.
- Reconciled company bank, credit card and line of credit accounts, investigating, and resolving discrepancies to keep accounts audit-ready.
- Managed complex problem-solving for upper management in order to complete projects on-time and within budget.
- Effectively communicated with clients about payment needs and kept updated, detailed and accurate ledgers.
Claims Specialist II
J P Morgan and Chase
10.2018 - 03.2021
- Enhanced customer satisfaction with timely communication, empathy, and clear explanations of claim outcomes.
- Managed a high volume of claims effectively by prioritizing tasks and maintaining excellent organizational skills.
- Developed strong working relationships with external partners such as adjusters, legal counsel, and medical professionals to facilitate efficient claim resolution processes.
- Settled complex claims fairly by applying critical thinking, negotiation skills, and detailed knowledge of insurance policies.
- Handled high-pressure situations with professionalism and composure, consistently achieving positive outcomes for both clients and the organization.
- Collaborated with cross-functional teams to optimize claims handling procedures, resulting in improved productivity.
- Reduced claim processing errors by conducting thorough investigations and accurately interpreting policy details.
- Identified fraudulent claims through diligent investigation and collaboration with law enforcement agencies when necessary.
- Reviewed insurance and claims documents to verify required information and secure any missing data for settlements.
- Analyzed claim documents to ensure accuracy and compliance, mitigating risk of financial loss.
- Enhanced customer trust and satisfaction by efficiently resolving claims disputes.
- Verified client information by analyzing existing evidence on file.
- Evaluated and settled complex insurance claims in strict timeframes.
- Worked with claims adjusters and examiners to expedite processing in alignment with procedures.
- Posted payments to accounts and maintained records.
- Assured timely verification of insurance benefits prior to patient procedures or appointments.
- Reviewed outstanding requests and redirected workloads to complete projects on time.
- Communicated effectively with staff members of operations, finance and clinical departments.
- Maintained confidentiality of patient finances, records, and health statuses.
- Generated, posted and attached information to claim files.
- Carried out administrative tasks by communicating with clients, distributing mail, and scanning documents.
Fraud Investigator
Spectrum Hospitality Management Pvt. Ltd
06.2018 - 09.2018
- Performed detailed background checks on individuals suspected of fraudulent activity to gather critical information needed for successful investigations.
- Provided exceptional customer service to clients affected by fraudulent activities, addressing their concerns while maintaining compliance with regulatory guidelines.
- Maintained a high level of confidentiality when handling sensitive information, protecting both company reputation and client privacy.
- Conducted prompt and thorough investigations on referred files.
- Identified potential risks by conducting thorough investigations and analyzing transaction patterns.
- Kept current with industry best practices and attended professional development events to maintain expertise in fraud investigation techniques.
- Played a key role in the design and implementation of employee awareness campaigns, raising company-wide understanding of the importance of fraud prevention.
- Contributed to risk assessment efforts by identifying vulnerabilities within existing systems that could be exploited by criminals perpetrating fraud schemes.
- Monitored account activity in real-time for early detection and swift resolution of potential issues before they escalated into significant losses for the organization.
- Collaborated with law enforcement agencies to resolve complex fraud cases, leading to successful prosecution of offenders.
Junior Fraud Investigator
White Castle Hospitality LLP
11.2016 - 06.2018
- Performed detailed background checks on individuals suspected of fraudulent activity to gather critical information needed for successful investigations.
- Provided exceptional customer service to clients affected by fraudulent activities, addressing their concerns while maintaining compliance with regulatory guidelines.
- Maintained a high level of confidentiality when handling sensitive information, protecting both company reputation and client privacy.
- Conducted prompt and thorough investigations on referred files.
- Reduced fraudulent activity by implementing effective fraud detection strategies and tools.
- Evaluated customer data to identify and prevent fraudulent activities.
- Produced detailed reports of fraud investigations and presented findings to senior management.
- Reviewed reports and individual transactions which appeared suspicious to uncover possible fraudulent activity.
- Tracked fraud cases and monitored trends to develop strategies for prevention.
- Analyzed large amounts of data to find patterns of fraud and anomalies.
- Performed risk assessments to determine level of fraud risk and prioritize investigations.
- Analyzed financial statements to identify discrepancies, irregularities and fraudulent activity.
- Reviewed transactions and receipts to identify any suspicious activity.
- Contacted customers directly to notify of fraudulent activity and minimize impacts.
Education
MBA - Marketing Management
United World School of Business
Kolkata, India 11.2016
Skills
- Microsoft Office
- Transaction monitoring
- Payment Processing
- Credit card processing
- Chargeback Management
- Client Relationship Building
- Dispute Resolution
- Teamwork and Collaboration
- Problem-Solving
- Time Management
- Attention to Detail
- Problem-solving abilities
- Multitasking
- Critical Thinking
- Excellent Communication
- Reliability
Accomplishments
- Used Microsoft Excel to develop inventory tracking spreadsheets.
- Resolved product issue through consumer testing.
- Collaborated with team of 15 in the development of Google HQ project.
- Supervised team of 8 staff members.
- Achieved "Above and beyond" by completing Fraud Investigation with accuracy and efficiency.
- Achieved "Exceed expectation" through effectively helping with internal investigation for Claim.
Languages
English
Full Professional
Hindi
Full Professional
Bengali
Full Professional
travelling, hiking, crafting, outdoor activities
Traveling, Hiking, and Outdoor Activities:
I am passionate about exploring new places and embracing the great outdoors. Traveling allows me to experience different cultures and environments, which fuels my curiosity and broadens my perspective. Hiking is a particular favorite, as it provides a perfect blend of physical challenge and connection with nature. Whether it’s a local trail or a mountain expedition, I enjoy the sense of accomplishment that comes with reaching new heights.
Crafting:
Crafting is my creative outlet, where I enjoy working with my hands to create unique and personalized items. This hobby helps me unwind and also enhances my problem-solving skills, as I often experiment with different techniques and materials. Whether it's DIY home decor, knitting, or upcycling old items, crafting allows me to express myself artistically and think outside the box.
Timeline
Senior Fraud and Chargeback Analyst
BluCognition Pvt. Ltd. (Client: ZIP Co)
04.2021 - 07.2023
Claims Specialist II
J P Morgan and Chase
10.2018 - 03.2021
Fraud Investigator
Spectrum Hospitality Management Pvt. Ltd
06.2018 - 09.2018
Junior Fraud Investigator
White Castle Hospitality LLP
11.2016 - 06.2018
MBA - Marketing Management
United World School of Business
Similar Profiles
DURGESH SINGHDURGESH SINGH
Credit Risk Underwriter at Blucognition - Stripe USA (client)Credit Risk Underwriter at Blucognition - Stripe USA (client)
Mohammed YounusMohammed Younus
Secretary's Assistant at bluCognition pvt ltdSecretary's Assistant at bluCognition pvt ltd
Annesha RoyAnnesha Roy
Team Lead-Process Excellence at bluCognition Pvt LtdTeam Lead-Process Excellence at bluCognition Pvt Ltd