Pravitha Prahaladhan Email & Phone Number

Manchester, England, United Kingdom

Manchester, England, United Kingdom

• Responsible for front-office duties on a day-to-day basis. Processing bets and assisting with Customer queries.• Core duty is to review the total time spent by Customers while gambling in accordance with gambling laws, reviewing anti-money laundering activities and identifying/reporting Customer Fraud.• One of my core strengths is building relationships with customers and providing excellent customer service.• Helping customers by demonstrating how to use betting terminals.• Supporting managers with shop displays and opening/closing activities.• Client-facing role, reviewing POI, Bank statements and championing customers for safer betting.

Bengaluru, Karnataka, India

• My core objective revolves around safeguarding PayPal and its valued customers against financial risks by executing thorough reviews and vigilant monitoring practices. • I proficiently evaluate both retail and business clients to proactively counteract potential instances of Money Laundering (AML) and Terrorist Financing (CTF).• I ensure meticulous Know Your Customer (KYC) and Know Your Business (KYB) verifications by examining identities, financial ownership, transaction histories, and associated accounts. This comprehensive approach aids in risk mitigation.• My role encompasses adept fraud detection, necessitating a deep understanding of prevailing fraud trends and their occurrence patterns. • I skillfully employ tools like LexisNexis to ascertain the legitimacy of commercial accounts and individual consumers.• Through insightful research into consumer behaviours and payment trends, I contribute to the identification and definition of emerging fraud patterns.• I meticulously trace funds from source account funding to existing accounts, taking appropriate actions as required.• I manage substantial transactions linked to unverified customers and individuals originating from high-risk countries. My unwavering commitment to adhering to regulatory frameworks and implementing rigorous risk management protocols is a consistent priority.Achievements @ PayPal: ✔︎ Developed a dynamic real-time data tracker featuring comprehensive statistics and forward-looking projections.✔︎ Commended by the team leader for consistently imparting best practices to enhance team performance.✔︎ Twice recipient of the prestigious monthly flash award in recognition of outstanding contributions.✔︎ Received a Site-level award for introducing innovative process enhancement techniques.✔︎ Recognised on a weekly basis for achieving consistently high production scores over a span of eight consecutive weeks.

Bengaluru, Karnataka, India

• Managed and addressed both customer-based and account-based alerts, conducting comprehensive investigations into transactions within the review period for the Middle East and UAE Transaction Surveillance Unit (TSU).• Conducted daily monitoring and thorough analysis of banking transaction alerts, triggered by predefined threshold limits. Utilised Detica (NORKOM) anti-money laundering software and ECM (Enterprise Case Management) to swiftly identify transactions warranting suspicion.• Reviewed consumer banking and wholesale banking client accounts, expertly identifying any anomalies or unusual activities indicative of money laundering or terrorist financing.• Played a pivotal role in providing proactive support to the Transaction Monitoring Unit (TMU) within the respective country, ensuring adherence to Group standards of conduct. This commitment aimed to safeguard and enhance the bank's reputation with regulators while minimising potential financial loss.• Effectively managed queries with business lines regarding fund sources, customer backgrounds, and transaction activities. Provided informed recommendations on retaining or terminating customer relationships, closely tracking account closures as necessary.• Conducted investigations in strict accordance with established procedures, considering country-specific requirements. • Collaborated seamlessly with various departments including AML, KYC, Generic, and Initial Doc Verification. Proactively identified and addressed risks, making valuable recommendations to mitigate potential issues both in processes and operational contexts. • Proficiently performed financial entries on accounts, managed fund transfers, issued checks, stopped payments and executed account maintenance tasks.

Bengaluru, Karnataka, India

• Demonstrated a commitment to time-sensitive processing of alerts and cases, maintaining exceptional quality standards throughout. Demonstrated prowess in conducting well-grounded and substantiated investigations. • Employed comprehensive research methodologies, utilising available bank systems, online resources, and databases to ensure accurate and thorough resolution of cases. • In the retail domain, adeptly handled account maintenance tasks encompassing ownership adjustments, stop payments, KYC updates, pre-authorised transfers, account linking/de-linking, comments management, contact detail updates, and other related requirements.• Performing risk assessments on clients by applying rigorous KYC (Know Your Customer), KYB (Know Your Business), and SAR (Suspicious Activity Report) protocols.• Ensuring compliance with US regulations by verifying and updating FATCA (Foreign Account Tax Compliance Act) information.

Bengaluru, Karnataka, India

• Engaged in the resolution of inquiries concerning customer transaction disputes. Demonstrated the ability to grasp customer disputes and conducted meticulous assessments to uncover potential avenues for chargebacks.• Handled a diverse array of disputes involving chargeback reason codes for both Visa and MasterCard transactions.• Conducted comprehensive analyses of merchant representations, aiming for optimal outcomes in the resolution process.• Initiated Pre-Arbitration and Arbitration procedures whenever deemed necessary.• Executed tasks encompassing pre-processing and post-processing activities, which included sorting, matching, uploading, filing documents, and entering data to support reporting and monitoring objectives.• Carried out vigilant monitoring and review of transactional data and electronic accounts to proactively forestall potential instances of fraud.• Reported instances of fraudulent merchants to the blocking systems of Visa and MasterCard, minimising the risk of subsequent fraudulent claims.

Bengaluru, Karnataka, India

Application Fraud: • Within the domain of Retail Banking, engaged in Credit Risk Operations Management and KYC operations, covering various aspects of Fraud Back Office functions.• Held accountable for conducting comprehensive risk assessments on an individual basis to identify potential fraudsters.• Led full KYC operations for applicants seeking credit from the client organisation.• Maintained regular oversight of customer accounts, promptly blocking those identified as fraudulent and taking necessary subsequent measures guided by client directives.Fraud Recoveries:• Proficiently identified both fraudulent and legitimate transactions, initiating the dispatch of Fraud Confirmation Letters and executing chargeback processes for fraudulent transactions. • Managed tasks such as interest calculation, refunds, Representments, Pre-Arbitrations and keying 2nd chargebacks.Disputes Resolution:• Assumed responsibility for reviewing received documentation and comprehending customer disputes. • Skillfully processed chargebacks, facilitated the refunding of interest and fees, handled merchant Representments, issued Pre-Arbs, and performed chargeback processing.

Master'S Degree, Food Science

Batchelors Degree, Microbiology, General