Sheol George

- Managed fraud and disputes for 150+ merchant accounts daily, maintaining a 3-day TAT and proactively preventing fraudulent activities. - Specialized in high-risk sectors like gaming, lending, and freelancers, handling complex merchant requests, risk escalations, and acting as SPOC for top-tier merchant partners. - Monitored real-time domestic and international transactions, ensuring merchant compliance through profanity and unauthorized service checks, reinforcing regulatory adherence. - Resolved escalate

- Conducted daily merchant profile reviews to identify and flag business model abnormalities, ensuring alignment with regulatory requirements. - Performed comprehensive KYC checks for new merchants before onboarding to mitigate risk and ensure legal compliance. - Executed profanity and unauthorized service checks to confirm the legitimacy and legality of merchant business models

- Managed risk and compliance processes, including pre-onboarding KYC, transaction monitoring, and fraud detection, maintaining a low overall risk profile. - Analyzed real-time merchant and payment data to detect anomalies, strengthen risk controls, and optimize collections strategies. - Administered chargeback, dispute, and fraud processes, ensuring compliance and minimizing financial risk.

- Managed chargeback and dispute cases from acquiring partners, card networks, issuing banks, and customers, while also handling direct complaints and escalations from Banking Ombudsman (BO) and RBI, collaborating with merchants to mitigate fraud. - Handled multiple arbitration chargebacks, validating reason codes and streamlining processes to provide greater merchant flexibility. - Acted as key point of contact for merchants, assisting them in contesting chargebacks with required documentation.