Nishmitha Shetty

NS

Open to opportunities

Nishmitha Shetty

@nishmithashetty

Fraud and AML/KYC analyst specializing in transaction monitoring, suspicious activity investigations, and payment risk mitigation.

What I'm looking for

I’m looking for a role where I can lead high-impact AML/KYC and transaction monitoring investigations, improve payment risk controls, and collaborate cross-functionally to mitigate fraud while meeting strong quality and operational KPIs.

I’m a payment and fraud analyst with 6+ years of experience in AML, KYC, transaction monitoring, and fraud prevention. As a Lead Representative at PayPal, I’ve conducted AML/KYC/CDD/EDD investigations for 1,000+ high-value merchant and customer accounts, managed 800+ investigations monthly, and reviewed merchant activity processing $900K+ in monthly transaction volume.

I investigate complex fraud patterns like Account Takeover (ATO), Unauthorized Account Creation (UAC), identity theft, unauthorized transactions, and money laundering indicators, while performing transaction monitoring across card payments, digital wallets, and online banking. I also lead onboarding reviews, account limitations, chargebacks, and compliance escalations using tools like Salesforce and LexisNexis, while collaborating with AML, Compliance, Risk, Legal, and Operations to mitigate risk and exceed operational KPIs; earlier, I strengthened my troubleshooting foundation through L1 technical support across hosting, server, and website environments using cPanel/WHM.

Experience

Work history, roles, and key accomplishments

PL

Lead Representative

PayPal Pvt Ltd

Aug 2019 - Mar 2026 (6 years 7 months)

Conducted AML, KYC, CDD, and EDD investigations for 1,000+ high-value merchant and customer accounts, managing 800+ investigations monthly to support AML compliance and risk controls. Reviewed $900K+ in monthly transaction volume, investigated complex fraud cases (e.g., ATO, UAC, identity theft), and monitored KPIs while coordinating onboarding and quality reviews using Salesforce and LexisNexis.

AML KYC CDD EDD EDD Transaction Monitoring Fraud Detection Customer Due Diligence Salesforce LexisNexis

DS

Administrator L1

Diya Systems

Dec 2014 - May 2019 (4 years 5 months)

Provided technical support for 400+ weekly customer incidents across hosting, server, website, and email environments, performing root-cause analysis and incident management. Troubleshot Linux/Windows hosting using cPanel/WHM, and resolved critical website outages by addressing DNS, SSL, PHP compatibility, and file permission issues.

CPanel SSL FTP Incident Management Root Cause Analysis Website Outage Recovery

Education

Degrees, certifications, and relevant coursework

MU

Mangalore University

Bachelor of Computer Applications, Computer Applications

2013 - 2015

Bachelor of Computer Applications at Mangalore University from 2013 to 2015.

Tech stack

Software and tools used professionally

Salesforce

Gmail

Jira

PHP

Linux

iOS

Windows

PayPal

cPanel

Root Cause

Android

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