kishore lalKL
Open to opportunities

kishore lal

@kishorelal

Senior Card Operations Associate specializing in dispute resolution and fraud analysis.

India

What I'm looking for

I am looking for a role that offers growth opportunities, a collaborative culture, and challenges in fraud prevention and financial operations.

I am a Senior Card Operations Associate with over 5 years of experience in the Fintech sector, specializing in dispute resolution, chargeback management, and fraud investigation. My career has been dedicated to ensuring financial integrity and delivering exceptional customer outcomes. I have consistently achieved high service standards through my expertise in transaction monitoring and MIS reporting.

In my current role at WNS Global Services, I manage end-to-end chargeback processes, conduct thorough investigations, and generate critical reports that detail chargeback metrics. My previous experience at Alorica and Teamlease Services has equipped me with the skills to analyze financial transactions, lead fraud investigations, and implement robust solutions to combat various types of fraud. I pride myself on my analytical skills and my ability to communicate effectively with stakeholders to resolve disputes efficiently.

Experience

Work history, roles, and key accomplishments

WS
Current

Senior Associate - Operations

WNS Global Services

Aug 2023 - Present (1 year 10 months)

Managed end-to-end chargeback, pre-arbitration, and rebill processes. Investigated and substantiated chargeback claims, leveraging customer documents and accurate reason codes. Led comprehensive fraud investigations, analyzing flagged transactions, collecting critical evidence, and preparing detailed reports to substantiate findings.

AL

Senior DBOR

Alorica

Nov 2022 - Aug 2023 (9 months)

Conducted in-depth analysis of financial transactions to identify and investigate unusual patterns and potential fraud. Led thorough fraud and non-fraud dispute investigations, meticulously gathering evidence and preparing comprehensive reports. Accurately classified chargebacks by reviewing customer documents and applying appropriate reason codes.

T(

Officer

Teamlease Services Ltd (BFL)

Jun 2020 - Aug 2022 (2 years 2 months)

Led comprehensive fraud investigations, analyzing flagged transactions and conducting 360-degree reviews on alerts from threshold violations. Proactively detected and mitigated critical red flags across banking, payments, and account opening processes. Implemented robust solutions to combat various fraud types, including Account Takeover, credit card fraud, ACH, phishing, and wire fraud.

Education

Degrees, certifications, and relevant coursework

NU

NIIT University

Diploma, Software engineering

Completed a Diploma in Software Engineering, gaining foundational knowledge in programming and software development principles.

UC

University of Calicut

Bachelor of Arts, English Language & Literature

Pursued a Bachelor of Arts in English Language & Literature, focusing on literary analysis, critical thinking, and communication skills.

GM

GHSS Marayamangalam

Pre University, Biology Science

Completed Pre University studies with a focus on Biology Science, preparing for higher education in scientific fields.

MS

MTI Central School

School, General Studies

Attended MTI Central School, completing studies under the CBSE curriculum.

Tech stack

Software and tools used professionally

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