Rachna Kola
@rachnakola
I’m a fintech financial crime investigator specializing in AML, sanctions, and organized fraud.
IndiaWhat I'm looking for
I’m a financial crime investigations professional with 9+ years across Stripe, PhonePe, PayPal, and Amazon, specializing in complex AML, sanctions, and organised fraud investigations in fintech and payments environments. I focus on ML/TF typology identification—layering, structuring, smurfing, synthetic identities, mule accounts, and scams—and convert findings into actionable control enhancements.
I’ve repeatedly driven measurable improvements through intelligence-led workflows, defensible escalation narratives, and governance-ready reporting. At Stripe, I reduced investigation inconsistency ~30% by introducing structured QA and peer review frameworks, and I helped deliver weekly/monthly risk insights into typology trends, risk exposure, and control effectiveness.
I also build capability and standardized processes: I designed end-to-end fraud risk investigation frameworks at PhonePe (workflows, SOPs, business rules aligned to UPI/digital payment compliance) and trained junior analysts on AML typologies and investigation standards. At Amazon, I delivered 5 years of AML/sanctions investigations with zero adverse audit findings while mentoring teams and managing SLA-driven escalations on high-risk cases.
Experience
Work history, roles, and key accomplishments
Led intelligence-led investigations across ATO, CNP, organised fraud, and mule-account cases, reducing investigation inconsistency by ~30% through structured QA and peer review. Identified emerging ML/TF typologies, performed RCAs, escalated systemic control gaps, and delivered weekly/monthly risk insights to governance stakeholders.
Conducted intelligence-led investigations into merchant fraud and money laundering using SQL-based transaction analysis, identifying structuring and layering patterns and translating findings into control recommendations. Established end-to-end fraud risk investigation workflows/SOPs for UPI and digital payments compliance and helped implement AML prevention controls, achieving zero SLA breaches a
Performed end-to-end fraud and chargeback investigations, escalating emerging organised fraud patterns including mule-account activity, first-party misuse, and social engineering vectors. Produced clear investigative narratives for risk triage and resolution.
Executed 5 years of AML and sanctions investigations with zero adverse audit findings, applying ML/TF typologies (layering, structuring, smurfing) using high-volume monitoring and sanctions screening aligned to OFAC and PMLA frameworks. Managed SLA-driven escalations and mentored junior analysts to ensure consistent compliance policy application.
Education
Degrees, certifications, and relevant coursework
Rachna hasn't added their education
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Tech stack
Software and tools used professionally
Availability
Location
IndiaAuthorized to work in
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