Ashwinderpal Singh Dulku Email & Phone Number

San Jose, California, United States

Malaysia

* Designing and implementing an overall risk management process for the organization, which includes an analysis of the financial impact on the company when risks occur*Onboarding and working to intergrated 3rd party fraud prevention & KYC tools with internal product enginerring team *Ensuring and managing companies' Nacha rate to ensure compliance with industry standards by building policies in line with fraud and risk management guidelines *Compiling reports on any Fraud related trend and activities IE Stolen Identity, Stolen CC, Elder abuse, ATO, AML & Bot attacks *Performing a risk assessment: Analysing current risks and identifying potential risks that are affecting the company*Performing a risk evaluation: Evaluating the company’s previous handling of risks, and comparing potential risks with criteria set out by the company * Reviewing business processes to identify areas of potential improvement or weakness in risk management controls* Working with senior management to develop and implement risk management policies and procedures*Building & creating productivity and SLA benchmarksks for Risk & Fraud operations

Kuala Lumpur, Federal Territory Of Kuala Lumpur, Malaysia

*Leading a team of risk specialists that deal with various aspects of Risk & Compliance , including KYC ,ATO , AML & Cybercrime * Designing and implementing an overall risk management process for the organization, which includes an analysis of the financial impact on the company when risks occur*Working cross-functionally with various departments including Training, QA, Operational excellence to ensure risk & complicance processes & updates are aligned across all departments * Creating , Updating and maintaining currrent and new processes for risk team workflow * Managing the day-to-day activities of the team. Motivating the team to achieve organizational goals & setting OKR’s,Developing and implementing a timeline to achieve targets.* Performing a risk assessment: Analysing current risks and identifying potential risks that are affecting the company* Risk reporting tailored to the relevant audience. (Educating the board of directors about the most significant risks to the business; ensuring business heads understand the risks that might affect their departments; ensuring individuals understand their own accountability for individual risks)* Building risk awareness amongst staff by providing support and training within the company* Working together with other teams and factions to create a more cohesive risk and fraud case handling and resolution*Building and create productivity and SLA bench marks for Risk operations

Serving as a bridge between the sales team, customer service, and Merchant to ensure client satisfactionDealing with Merchant complaints and disputes to ensure a smooth renewal process and ensuring company revenue stream is not disrupted by attritionReaching out to existing clients to pitch renewals and negotiate with clients that need to restructure their payment plans to avoid attrition Planning and executing advance renewals drive to push for more renewals to increase company revenue Collecting feature request and feedback from clients to assist the product team with future feature releases Guiding growing merchants using Storehub to adopt more features based on an analysis of their activities and industry type over the last year Assist with advising clients on what would be the best packages for them for business expansion for both hardware and software.

Brought forth excellent negotiation skills and a business-savvy attitude.Continually worked to enhance my set of communication skills and strategies.Organized and prioritized work to complete assignments in a timely, efficient manner.Worked well independently and on a team to solve problems.Consistently hit sales targets for the past 6 months . 15 -25 won sales in the last 6 monthsConducting KYC document checks to facilitate merchants to apply for e-wallets under partnership programsBeep Delivery account management for high trans rate stores, serving as consultation point and the first point of contact to escalate & resolve issues

Malaysia

-Conducting large loss analysis on merchant accounts on behalf of team leads to indetify root cause and provide possible best practice solution to prevent reoccurance -Assisting with SLA management to ensure that Team mates are meeting required KPI-Working on Escalations to review high risk and potential fraudulent accounts submitted by teammates-Conducting and presenting regional Fraud trends to other Global sites via monthly site calibrations -Assisting and mentoring teammates to grow required skill's , ie: presentation skills , advising on best practices for the review process to ensure teammates meet their KPI's-Identifying Fraud trends and assisting to submit newly discovered fraud trends to global team -Reviewing small merchant accounts to asses level of risk or fraud if present -Placing limitations to mitigate possible risk present on account & subsequently review limited accounts by sorting through documents requested by Paypal-Conducting KYB & KYC on account to further understand business model and ensure business meet Paypal's policies -Perform outbound calls to consult with merchants on account related issues , ranging from situations of drop in performance,buyer abuse and also to ensure that new merchants are aware of protection and assistance offered by Paypal

Petaling Jaya, Selangor, Malaysia

-Reviewing small merchant accounts to asses level of risk or fraud if present -Placing limitations to mitigate possible risk present on account & subsequently review limited accounts by sorting through documents requested by Paypal-Conducting KYB & KYC on account to further understand business model and ensure business meet Paypal's policies -Perform outbound calls to consult with merchants on account related issues , ranging from situations of drop in performance,buyer abuse and also to ensure that new merchants are aware of protection and assistance offered by Paypal -Serving as Pilot test member for multiple operational tools for Risk and fraud reviews and business growth

Petaling Jaya, Selangor, Malaysia

Job Roles • Reviewing Spoof claims raised by users to determine authenticity of such claim • Identifying fraud trends related to buyer abuse and account takeover situations • Providing and authorizing refunds via Department GL to buyer in cases of seller protection being in place • Dealing with Merchants or Account managers to assist buyer void or remove authorizations placed on credit cards in cases of double payments or payment holds • Placing limitations on accounts if Account take over or spoof malware situations have occurred • Maintaining KPI and SLA standards determined by Paypal to ensure cases are resolved based on international regulations

Selangor, Malaysia

As a Mass Market Segment Agent • Assisting and dealing with clients request and assuring clients needs are met• Assisting clients to better understand products of the bank and also advising on how best to utilize the benefits of the product • Assuring clients inquiry and request are handled in a timely and efficient manner As a Priority Segment Agent• Assisting and dealing with clients request and assuring clients needs are met• Assisting clients to better understand products of the bank and also advising on how best to utilize the benefits of the product • Assuring clients inquiry and request are handled in a timely and efficient manner • Liaising with all teams involved to ensure a smooth resolution to clients problems• Assist with investigations conducted by the investigations team when required on cases that requires extend period of follow up• Have assisted when required with manager call backs to assist with escalations • Have managed and assisted in SLA requirements , managing the agents breaks as well status during times of heavy call volume • Have assisted to manage bulk email folder , assigning call backs to various agents to ensure clients expectations are met and inquiries resolved • Trained in all products offered by the bank - Mortgage , Credit cards, Personal Loans , Auto loan , Current & Saving accounts and Online trading As an Agent for the online trading team • Handling and managing clients expectation on clients trade inquiry • Handling end to end follow up for client –from first contact to resolution for client inquiry • Assisting with clients inquiry on the online trading platform as well as better understand how to utilize the platform itself • Liaising directly with product mangers to ensure client inquiries reach a satisfactory resolution