Sarath Raj
@sarathraj
I investigate financial crime risks, AML/KYC cases, and card disputes.
IndiaWhat I'm looking for
I'm currently supporting Bank of America (GBS) in Fraud Detection Operations, conducting CDD and new-account due diligence reviews, validating KYC requirements, and escalating high-risk customers for EDD.
Previously at TP Global Business Private LTD, I monitored transactions for suspicious activity, investigated flagged cases, and reviewed high-risk financial crime typologies including scams, sanctions screening, terrorist financing, and high-risk IP addresses.
At Chargeback Gurus Fintech Ltd, I investigated Visa and Mastercard disputes, gathered supporting documentation from merchants, and resolved chargebacks within card-network policies and processor deadlines.
Experience
Work history, roles, and key accomplishments
Conducts Customer Due Diligence (CDD) reviews and executes New Account Due Diligence, validating KYC requirements before account approval. Evaluates customer risk profiles and escalates high-risk customers requiring Enhanced Due Diligence (EDD) to Compliance.
Senior Analyst (TMS, AML)
TP Global Business Private LTD
Jan 2025 - Jul 2025 (6 months)
Monitors financial transactions to detect suspicious activities and conducts CDD, EDD, and KYC reviews. Investigates flagged transactions and escalates high-risk cases involving financial crime typologies.
Process Associate (Chargebacks)
Chargeback Gurus Fintech Ltd
Jun 2022 - Dec 2024 (2 years 6 months)
Investigates and analyzes disputed transactions to determine appropriate responses and backup documentation. Resolves disputes in accordance with card network policies and regulations, working on the merchant side to defend against chargebacks.
Education
Degrees, certifications, and relevant coursework
K.C. Sankaralinga Nadar Higher Secondary School
SSLC/10th Grade, General
Grade: 74%
Completed SSLC/10th grade with a percentage of 74%.
K.C. Sankaralinga Nadar Higher Secondary School
HSC/12th Grade, General
Grade: 78%
Completed HSC/12th grade with a percentage of 78%.
K.C.S Kasi Nadar College of Arts and Science
Bachelor of Commerce (General), Commerce
Grade: 70%
Bachelor of Commerce (General) with a percentage of 70%.
Tech stack
Software and tools used professionally
Availability
Location
IndiaAuthorized to work in
Salary expectations
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