
Parvathy User
@parvathyuser
I lead fraud risk, compliance, quality, and customer escalation operations.
What I'm looking for
I've led fraud risk, regulatory compliance, quality assurance, and customer escalation work across U.S. and UK banking, mortgage, insurance, and background verification operations for over 14 years.
At JPMorgan Chase, I investigated check deposits and wire transfers, managed 30–40 fraud cases daily, prepared investigation reports for audits, and identified emerging fraud patterns. At First American and Concentrix, I led and resolved complex mortgage and insurance escalations while strengthening SLA adherence, HIPAA compliance, first-contact resolution, and corrective action.
I've also built training frameworks, led client calibration calls, mentored teams, and run an independent coaching and workshop practice focused on career growth, communication, leadership, and women's empowerment.
Experience
Work history, roles, and key accomplishments
Retains at-risk UK customers while meeting sales targets in a metrics-driven environment. Coaches team members on target achievement and communication skills, and contributes to process improvement initiatives.
Managed complex inquiries, complaints, and escalations for a U.S. insurance client, ensuring SLA, HIPAA, and regulatory compliance. Drove first contact resolution and analyzed escalation trends to support root cause analysis.
Team Manager
First American (India) Pvt. Ltd.
Nov 2024 - Feb 2025 (3 months)
Led a U.S.-based escalations team handling mortgage dispute resolutions, reducing repeat escalations through strategic case management and quality assurance. Designed training programs and facilitated executive-level reviews.
Investigated check deposits and wire transfers for transaction legitimacy, handling 30-40 fraud cases daily. Filed fraud claims, prepared investigation reports, identified emerging fraud patterns, and educated customers on fraud prevention.
Senior Servicing Officer
OSB India Pvt. Ltd.
Sep 2016 - Nov 2022 (6 years 2 months)
Delivered end-to-end customer experience management across the mortgage lending lifecycle, including underwriting support, broker support, completions, servicing, retention, and litigation support. Managed savings and investment queries and conducted root cause analysis on recurring complaints.
Performed final quality assurance checks on background verification reports, drafting client-ready reports at 20-30 daily. Led client calibration calls and training sessions, and redesigned process parameters to resolve client complaints.
Senior Executive
[24]7.ai
Nov 2012 - Dec 2013 (1 year 1 month)
Provided consultative sales support for U.S. clients on travel packages and itineraries, consistently exceeding performance targets.
Provided semi-technical product support for U.S.-based vendor clients, including documentation and quality audits.
Supported U.S. customers with remote virus removal while maintaining compliance documentation.
Education
Degrees, certifications, and relevant coursework
Swami Vivekanand Subharti University
Bachelor of Business Administration, Business Administration
Pursuing a Bachelor of Business Administration (BBA) with an expected graduation in January 2027.
Tech stack
Software and tools used professionally
Availability
Location
Authorized to work in
Salary expectations
Skills
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