Sinchan Kumar Saha Email & Phone Number

Bengaluru, Ka, In

Bengaluru, Karnataka, India

India

Bengaluru, Karnataka, India

A Senior Manager at PhonePe's Compliance team, is responsible for establishing, maintaining and overseeing a robust compliance program that helps the organization operate within the bounds of the law while promoting a culture of ethics and integrity. Played a critical role in safeguarding the organization's reputation and minimizing legal and regulatory risks. • Worked with business, product, engineering and legal teams to understand the various products on offer and draft policies and procedures required to oversee and govern the critical operations of the company.• Interpreting and disseminating complex regulatory requirements and translating them into actionable policies and processes to ensure compliance to the regulations.• Tracking, reviewing and regularly presenting the progress of policy and regulatory implementation efforts ongoing within the organization to senior management and its committee members.• Managed large-scale projects and introduced new systems, tools, and processes to achieve compliance objectives. Introduced and managed the Sanctions Screening Services for PhonePe and its group companies.• Advised division leaders and senior management of regulatory risks in business products and processes while providing recommendations for being compliant.• Played instrumental role in company-wide risk assessment efforts, supporting enhancements in business processes and controls.• Identified control gaps in processes, procedures, and systems through in-depth research and assessment and suggested methods for improvement.• Managed life-cycle of all non-IT audits, ranging from Nodal Bank Audits to RBI Audits, in alignment with departmental procedures, delivering progress and closing reports to senior management. • Led the Customer Service Committee meetings to ensure committee members are aware of the efficiency of the division and to highlight any risks / trends and help implement customer support strategies to increase customer retention.

Bangalore

Joined as an Associate Manager in the Trust and Safety team of PhonePe and was responsible for devising, implementing and continuously improving strategies and controls to prevent, pre-emptively detect, and respond to threats of fraud and AML within PhonePe by minimizing fraud and AML related risks and losses.• Played a critical role in executing the organization's larger Fraud Risk Management vision into small executable projects.• Implemented process improvements by working with product managers, fraud analysts and investigation specialists alike to develop fraud systems with higher efficiency and help mitigate fraud and AML threats faster.• Worked with product / engineering teams to automate and enhance manual processes to limit redundancy and refined the quality of the manual investigations and improved team efficiency. Also developed and implemented strategies to maximize customer safety.• Developed PhonePe's Fraud and AML policies and its various processes. Helped define their first set of file-able red-flag indicator (RFI) scenarios while also setting up its first AML investigations team.• Analysed large volumes of data gathered from investigation to develop newer fraud and AML scenaros. Also ensured the reviewed data-sets are fed back into the fraud systems and neg tables to ensure systems, rules and algos are up to date.• Periodically published blogs on latest fraudulent trends and detailed out ways to keep our customers safe from such fraudulent activities.• Trained and mentored investigators to achieve highest quality of work. Designed and delivered employee trainings to ensure AML compliance.• Worked back with LEAs, FIs, and regulators to help minimize frauds and chargebacks by deploying efforts to integrate via systems to disseminate information faster.• Managed a team of 15 high performing individuals for over 2 years. Harboured cooperation and growth opportunities within the team and drove career promotions for at least 4 members.

Bangaon Area, India

As a Manager - Risk Investigations @ Amazon.com, I was the ground level leader for a team called TRMS Screening. Primary job role entailed ensuring that Amazon.com as a platform was free of Sanctioned Individuals and Politically Exposed People. TRMS Screening is the team that deals with screening of all Amazon customers to black-list possible customers who are either known Terrorists, Drug Dealers, Gun Traffickers, etc., who might pose a greater compliance risk to Amazon. Responsible for a team for 32 employees that conducted these investigation on a daily basis. The repercussions of not doing your job right was the possibility of incurring high penalties and the possibility of loss of Amazon's trade license. This made Amazon a safe and trusted place to transact online by eliminating the risk of on-boarding customers who might use the platform for Terrorist financing, drug deals, etc.

Bengaluru Area, India

Promoted as team leader for Amazon's Local Register (ALR) team. This role was an end to end product management for Amazon's FUSE device. All activities, starting from customer on-boarding operations to account balance withdrawals / refunds / fraud chargebacks, to responding to customer queries was handled by a group of 50 employees across the globe, of which i handled 20 investigators out of Bangalore. The aim was to introduce the product as an offline payment processor to capture the offline market. I managed the ALR team for close to a year and then was moved to the Sanctions Screening team to complete out my tenure as a Team Leader at Amazon.

Bangalore

Moved into the Amazon Local Register (ALR) team as a Senior Investigations Specialist. Was responsible for setting up the process flow for ALR teams Suspicious Account Review procedure. This was due to the fact that the team was brand new and these processes did not exist then. Along with the mentoring and training of employees, created standard operating procedures and job aids to help investigators through their learning curve.

Bangaon Area, India

Promoted to a Full Time Employee at Amazon.com. Was still a part of the Flexible Payments Services. The job role largely remained the same as an Investigator Intern. Was still responsible for processing transactions and responding to customer queries. This was the phase in my career that I think developed me the most. I was a mentor / trainer / Suspicious Account Review Investigator. For me, this is where it all began. This is that phase in my career that pushed me to become a people manager.

Bangaon Area, India

Hired as an Intern for Amazon's Flexible Payments Services product. The job role was to review / record / process / not process risky transactions from customers and ensure that Amazon is the world's safest place to transact online.

Master Of Business Administration (M.B.A.), Accounting And Finance

Bachelor Of Commerce (B.Com.), Accounting And Finance

High School (+12), Commerce

High School (10 Std), Business/Commerce, General