Soumen Debnath Email and Phone Number

> Supporting and providing inputs to Regional Head, Fraud Risk Management for developing operational model and shaping strategic agenda for Fraud risk management and implementing the strategic direction for the country.> Working with Regional Head, Fraud Risk Management to design and implement the Fraud Risk strategy and infrastructure for the country for channels and products within Retail Clients segment.> Managing fraud risk, assisting businesses with implementing the 'best in class' tools & processes to minimize fraud losses while maintaining and adhering to customer charter goals and objectives.> Ensuring the Fraud Risk Management framework is effectively embedded and communicated across Retail Customers segment.> Developing a proactive, independent, balanced and a fraud risk awareness culture within the organisation.> Developing effective fraud risk management strategies and timely deploy these strategies across products and channels> Ensuring the cost budget in Fraud risk management is based on robust capacity plans and is delivered through a rigorous cost management discipline.

> Implemented the Banks Anti-Fraud Policy across all lines of business in the region and development of investigative referrals through data research, analysis, and liaising with internal and external stakeholders. > Documented investigative outcomes in the form of comprehensive investigation reports. > Participated in financial crime risk assessments relating Anti-Fraud, Bribery and Corruption.> Worked with internal and external teams to identify risk factors and trends of abnormal activity and effect change with respect to coordinating policy and procedure changes. > Actively engaged with businesses in India and provided technical expertise from afraud loss avoidance risk management perspective.> Skilled in business management included credit analysis and underwriting, process management, portfolio management, productivity management, profitability management, customer satisfaction, operation management, staff management.

Fraud Control Unit of PNB Housing. > Reviewed the file aspect of fraud detection. Handling the investigation of pre and post disbursement cases.> Developed and sustained a system for fraud identification, monitoring, investigating, reporting in order to minimize fraud losses and ensured timely recovery of fraud related claims.> Conducted end to end fraud document & profile investigation to reach out to fraud perpetratorWed out negative elements (application /DSEs/companies) from the system> Handled a team samplers for various risk control activities. Cross checked FI reports & sharing> Cross -checked the authenticity & quality of RCU agency reports and vendor managememnt.

> Responsible for RCU activities in Bank for West Bengal and Jharkhand in commercial banking.> Minimized fraud & operational losses & revise detection mechanisms based on ever changing market dynamics. >Sett up deterrent to curb future occurrence of similar frauds.> Regularly trained the employees to increase fraud awareness and build early detection mechanism.> Conducted data analysis to identify possible fraud cases which has gone undetected during regular process.> Responsible for conducting regular review sessions along with internal stakeholders and implementation of any suggestion which would add value addition to process.> Responsible for conducting regular process audit with respect to sales, collection, legal & technical teams.> Helped compliance team and management in investigating internal high sensitive employee frauds.>Ensured SLA set by business team is achieved.>Responsible for recruitment and training of RCU team.>Supported HR team in recruitment process by verifying candidate details and providing market feedback.>Followed up with legal team with respect to all fraud cases and helping them liaison with local law & enforcement.>Acted as active member of Task force. Maintained co-ordinal and resourceful relationship with peers at competition.> Understood and implemented process, best practices followed at competition.> Regularly paid personal visits to competition to build healthy and strong rapport with peers.

> Handled the RIC activities of coastal parts of Orissa for risk activities of loan applications. In my tenure I have handled the portfolio of auto, pl, two wheeler, business loan, CV, CE, working capital, tractor loan, agri loan, gold loan, micro finance. > Handled investigation in post disbursement cases.

> Assisted the bank manager in training all the bank employees to do their job well.> Dealt with the customers and their complaints. Acted upon the complaints in a timely manner by knowing all of the bank’s policy issues and procedures.>Assisted the manager in making sure that the daily work to be done not only finishes on time but runs smoothly.

> Co-ordinated with the Banking and Finance Clients> Checked the reporting Quality of verifiers.> Co-ordinated with the samplers for different banks and financers.> Responsible for Special investigation for Banks and Finance.