Stephy K S Email & Phone Number

United Arab Emirates

❖ Monitoring transactions, screening name matches for entities and individuals of the bank with world check data using bothpublic domain and database search services.❖ Actively working on alerts triggered in NORKOM and SAS 7.1 level.❖ Maintaining current understanding of money laundering and terrorist financing issues along with ensuring properinvestigation of suspicious transaction or money laundering alerts.❖ Filing the case and raising the internal STR on finding the AML concerns and red flags.❖ Documenting the finding and action taken for the audit and regulatory requirement.

Dubai, United Arab Emirates

❖ Conducted due diligence reviews of correspondent banking transactions of high risk flagged parties.❖ Performed Checker function to AML Investigations and transaction monitoring and identified suspicious activities.❖ Enhanced due diligence reviews on high-risk customers and analyzed transactional statistical data.❖ Conducted due diligence reviews of correspondent banking transactions of high risk flagged parties.❖ Analyzed transactional statistical data and assisted in the identification, prevention and detection of potential suspicious and/or unusual activities, transactions and/or customer behavior by performing transaction analysis, investigations, and monitoring account relationships.❖ Performed AML Compliance of Emirates NBD Account Openings review and single point control for compliance checks of Anti-Money Laundering.❖ Processed escalations from AML Team regarding Specially Designated Nationals (SDN) & Politically Exposed Persons (PEPs).❖ Checked for possible matches through NESS for AML Compliance and control and disambiguation potential matches with PEPs and other high risk individuals.

Chennai, Tamil Nadu, India

• Identification of suspicious transaction, Transaction Monitoring, and STR filing.• Monitoring all types of transactions to detect suspicious transactions and take precautionary measures to prevent losses.• Investigate suspicious transactions, Fraud alerts• Review/clearance of AML transaction related alerts and filling STR.• Review and monitor accounts for AML activities in line with KYC/AML policy.• Research and respond to debit card inquiries and disputes.• Compile and analyze internal and external data to identify at-risk transactions, accounts, and devices.• Interact with banks and customers to validate information and to confirm or cancel authorizations.• Determine existing AML trends by analyzing accounts and transaction patterns.

India

• Handled VISA fraud disputes also initiated chargebacks for various reason codes, initiated charge-back through VROL (Visa resolve online).• Initiated charge backs to merchant accounts which resulted in credits to cardholder accounts, debits to merchant accounts.• Imaged documents through Visa online to assure commitment, acceptance is received by each party.• Processed over 12000 charge backs for past 2 years, which results 85% of Revenue to bank.• Adhered to regulatory and company security and audit procedures.• Review of all incoming disputes received from call center, branches, and Fraud Monitoring Unit.• Mentoring the processing team at ACES INDIA to initiate action as per stipulated guidelines from VISA.Monitoring the ageing of all Retrieval Requests, Charge backs, Re presentments and incoming disputes to ensure timely action is taken to pursue the dispute.• Fraud and Safe reporting to Visa and Master card International on disputes processed.• Approving temporary credit to be granted to customer on disputes processed.

Master Of Commerce, Business/Commerce, General, Distinction

Bachelor'S Degree, Business/Commerce, General, Distinction