Pulkit Dwivedi is seeking a managerial or consultancy position that makes use of his 8 years of experience in fraud investigation. He has expertise in areas such as fraud control, risk monitoring, disputes evaluation, and merchant training. Pulkit has a B.Com. from Kanpur University and professional certification in credit risk and card profitability from VISA Business School. He has over 8 years of work experience in fraud investigation roles at companies such as Reliance Payment Solutions, EXL Services Ltd., and WNS Global Services. His experience includes identifying fraud trends, conducting investigations, and implementing fraud prevention initiatives.

1. Pulkit Dwivedi
Address: Navi Mumbai
Mobile: +91 8828101791
E Mail: Pulkit.divedi@gmail.com; Alternate Pulkit_divedi@Yahoomail.com
Professional Overview:
Dedicated and vigilant individual with eight years’ extensive experience in fraud
investigation services. Demonstrated expertise in analytical techniques and a strong
know-how of contemporary trends in fraudulent activities. Adept at utilizing modern
technology to combat fraud and make appropriate recommendations.
Extremely knowledgeable in E-commerce, Bank card fraud (credit and debit) and
merchant operation (merchant fraud, acquisition and Chargeback), mobile payment
(wallet and portal)
Hands-on experience in preventing fraudulent activities by putting in place core anti-
fraud initiatives.
Now looking for a new and challenging managerial or consultancy position, one which
will make best use of my existing skills and experience and also further my personal
and professional development.
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Area of Expertise:
 Performance management
 Fraud control Customer satisfaction Recruitment
 Risks Monitoring
 Disputes Evaluation
 Merchant Training
 Fraud Investigation
Professional certification
 Certification in understating credit Risk and card profitability from VISA
Business School
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Educational Qualification:
 B.Com. Graduation from Kanpur University 2007
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2. Work Experience:
Since July’15 – Reliance Payment solution as “Fraud and Investigating
Manager” –Navi Mumbai
Driving operational improvements, maximizing the value of the asset base while
ensuring a tight control on operational costs. Responsible for monitoring and
continually improving standards of performance and quality within the operation
• Part of team who set up fraud process in Reliance Payment solution, Closely
working with Core team of IT and vender to set up the new fraud rule in our new
fraud system
• Doing risk analysis and investigation on merchant POS/E-POS facility (card
machine) and mobile wallet
• Identifying Fraud Trends & Patterns, Detecting Fraud transactions at the earliest
stage at merchant POS/E-POS facility, mobile wallet
• Contacting and investigation on close loop and Open loop customer
• Analyzing risk on merchant/customer/Agent Account
• Closing working with IT team and doing forensic investigation on
merchant/agent/customer devises
• Working with Chargeback team to set up the process
• Closely working with merchant Acquisition team at time of merchant boarding
• Conduction fraud review and investigation on KYC document for full
customer/merchant/Agent
• Making SOP and process document for the process
• Defining rules and terms and condition for the for merchant and mobile wallet user
• Publishing the weekly and monthly Fraud Rules base MIS to CLT(center leadership
Team)
• Identifying and Notifying New fraud pattern, customer & Merchant Behavior
Since Dec’09 – July’15 – EXL Services Ltd. As “Assistant manager
-Merchant Fraud operation and investigation “Gurgaon”
• Leading a team of 12 members for Fraud Risk control operation Barclaycard
acquiring business
• Incorporated a fraud deterrent policy as part of the new hire procedure that brought
about a substantial decrease in fraudulent activities
• Doing risk analysis and investigation on merchant POS/E-POS/M-POS facility (card
machine) and A/C
• Identifying Fraud Trends & Patterns, Detecting Fraud transactions at the earliest
stage at merchant POS/E-POS/M-POS facility
• Reviewing Merchant website and identifying whether they following banking E-
commerce norms
• Reviewing New merchant application for POS/EPOS/MPOS facility
• Reviewing balance sheet, exposure and bases on it extending the merchant
agreement.
• Well versed in chargeback processing techniques and incorporating alternative
solutions to chargeback issues
• Reviewing cases and doing the quality checks for audit purpose as per my
discretionary
• Identifying the new fraud patterns and taking necessary action
• Taking supervisor calls and handling escalation
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3. • Fully authorized to Terminate merchant contract if required
• Leads weekly Calibration calls:- discuss new fraud tread, volume management,
fraud strategies
• Prepared Investigative Reports.
• Creating a positive culture where the work can get done.
• Identifying and managing risks, issues and dependencies.
• When appropriate, provide operational cover for absent Senior Managers.
• Leading, motivating, developing and appraising the team members and co-
coordinating with them to develop individual capabilities
Jan’ 08 – Nov’09 with Quatrro Analytics & Management Services as Sr. Fraud
Analyst “Gurgaon”
• Was a part of falcon implementation team for JP Morgan Chase (outsource)
• Making BRD for New fraud system
• Making Transaction Flow in fraud system from Different system like Mainframe
(CMM), Financial Desktop. Teaser
• Defining escalation matrix’s
• Outflow of Fraud MIS
• Did testing of fraud rules and raising the defected if found
• Making process map and system manual
• Working on new fraud pattern and requesting analytical team to implement in fraud
system
• Identifying Fraud Trends & Patterns, Detecting Fraud transactions at the earliest
stage
• Reviewing cases and doing the quality checks
• Responsible for giving training, handling all the queries and problems of the new
joiners
• Providing the feedback to the new hires for their improvements
Part of the Pilot Batch of the process (Fraud Process & Quality department)
June’ 07 – Jan’ 08 with WNS Global services as Process Associate “Gurgaon”
• Part of montage collection team
• Contacting customer for pending debts, reviewing their A/C,
• Doing full assessment before recommending case to recovery team
Achievements:-
• Successfully migrated three process and was a part of one migration
• Done the numeral automation for the fraud process during my tenure in EXL
service
• Awarded with Exemplary performance award as a Fraud Analyst Specialist
• Awarded as the BEST NEW TALENT – Fraud at EXL services
Cooperate Trainings:-
• Time management workshop.
• Corporate etiquette & Personality development workshop.
• Effective coaching and feedback workshop.
• Corporate communication & MIS reporting workshop
• Workshop on team building and motivation skills workshop
• Quality Monitoring & Analysis workshop
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Personal Details:
• FATHER’S NAME : Mr. Ashok Kumar Dwivedi
• DATE OF BIRTH : 30h
June 1985
• MARITAL STATUS : Married
• INTERESTS : Listening to Music, Playing Basket ball
• LANGUAGES KNOWN : English, Hindi
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