Nikita Gaikwad

 Highly Organized and Goal oriented with a creative mind. Thriving on work with a positive attitude and zeal to learn. Ability to manage to multiple task and always comfortable in computerized environment and possess good communication skill combined with a good sense of humor.

1.)

• Name of Employer - KOTAK MAHINDRA BANK
• Department - RCU (Risk Containment Unit)
• Designation – Assistant Manager
• Duration - 25th April 2022 - Till present

Job Description –

• Exception Review& Implementation of Proactive Fraud Control measures.
• Working on Clari5 Real time transaction monitoring" application.
• Working on applications known as NPCI, FRM, BCIF, SEIBEL, FINNACLE 
• Monitoring customers profile with current alert generated by system.
• Immediate freezing of accounts and blocking of all the channels 

                 (Internet Banking, Mobile Banking, UPI and Debit Card) in case of 

                 suspicious transactions observed.

• Calling the merchant on time and get the amount hold reverse of the fraudulent

                transactions occurs in customers account.

• Raising SR (Service Request) for dispute amount.
• Preparing fraud case studies and process to be shared with management. 
• Regular updating of SIEBEL.
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  2.)
  
   
• Name of Employer – Infibeam Avenues Pvt Ltd
• Department – Fraud & Risk Management
• Designation - Associate
• Duration – 2nd August 2021 – 22nd April 2022

Job Description –

•    Monitoring online transactions on our registered merchants to minimize the Risk of     Fraud.    (Domestic as well as International).

•    Exception reviewing & implementation of proactive fraud control measures.

•     Performing Credit Risk reviews on the existing and new merchants.

•     Identification and analysis of the high-risk transactions and merchants.

•     Analyze trends and maintain proper records of suspicious activities.

•    Contacting customers for the confirmation of suspicious transactions 

•     Maintaining the MIS on fraud cases for improving the efficiency and effectiveness of company systems.

•     To ensure the confidentiality of all information collected during investigation.

•     Identify system improvements to prevent fraudulent activities.

•     Interaction with parties like Customer, merchant, Banks & Cyber police on the frauds.

•     Following and acquainting the required guidelines of the authorities like RBI, Acquirer Banks & Issuing banks.

•     Preparation of daily activities reports.

•             Handling internal as well as external communication through mail

TYbcom                                                                                                  Passed on  2020-21
Dr Ambedkar College                                                                              Marks 66.33.% Grade C
Mumbai University                                                       
Maharashtra