Blessed to Start Banking Career @ age of 11 in School as a Student Bank Cashier for a pay scale of 1 Coffee and Cookies Learner Behaviour Excellence, Coined & acted as a stimuli in use of the Russian proverb " Trust But Verify" in Indian Risk Management space. Chairman, IPRC (India PaymentsRisk Council) Chennai chapter & Banking Taskforce. Member, Banking Coordination Committee TN, forum of all banks operating inTN for emerging Fraud Prevention. Startup Specialist, having expertise in Plan,Design,Rollout & Manage RCU. Over 23yrs expertise in Fraud Risk - and Operations. Managed national RCU operations of Banks consumer finance division. Managed National Fraud risk review functions & state FCU in Fullerton India, Trained & Handled AIG-VHPL sales finance Southern region CPA team Designed critical process notes for bank RCU.Plotted Fraud Probability & Proximity regions. Handled outbound calling to ensure collection hygiene.Responsible for design, development & implementation of Bank RCU file review team. Responsible for RCSA exercise for BankDesigned key Fraud Intelligence widget called (SPAF) Stay Protected Against Fraud Process for Bank CFDTraveled extensively across country in setting up & monitoring Fraud Risk unitHandled Unsecured PL, BL, STPL, Sales finance, credit card fews, ME training Secured- HL, LAP, SME,Tractors, CV, CE, LCV, SCV, AUTO, 3W,2W. Rural/ MFI products Group loans, Indvidual busi loans, rural LAP, CV asset based funding, 2w, Merchandise loans. Having expertise in all major secured, unsecured, liability Rcu process. Instrumental in bringing innovative techniques in Fraud Risk Operations. Created many Fraud content training album for FullertonIndia and for Banks CFD Unit.Big Fraud: cracked few mastermind group,which is able to deceive cibil & internal controls, to disburse loans to market defaulters, thru their infamous practices in MFI & Unsecured lending Expert trainer - Progenie - Tab based, customer aquisition, FI to InPrinciple approval software. India's first tab based loan sourcing to disbursal module.Trained progenie trainers. Member Progenie applications core test team. Designed WebRCU module for banks CFD unit.