C M Mahalakshmi

I’m a Fraud Detection Analyst with 7 years of experience in banking and fintech, focused on preventing financial crime through transaction monitoring and risk-driven investigation. I analyze high-volume datasets to spot suspicious transaction patterns and potential fraud activities early.

In my current role, I detect mule accounts by reviewing abnormal transaction behavior and fund flow analysis. I also verify the authenticity of financial documents and identify edited or tampered records using fraud detection techniques.

I strengthen decision quality by supporting credit risk assessment and client onboarding. I perform PLY transaction matching and name verification for identity validation, and validate salary slips and supporting documents for loan underwriting processes.

Before this, I worked as a Credit Underwriter / Underwriting Lead, handling personal, SME, and retail loan applications. I conducted document verification, calculated Debt-to-Income (DTI) ratios, maintained 90%+ accuracy in underwriting decisions, and trained junior analysts to improve team productivity.