Harini Sundaraganesan

• Certified Chargeback and Payment Professional; Subject Matter Expert in Fraud and Chargeback Training • Automated the chargeback representment process to enhance organizational efficiency • Collaborated with Quality team and team leads to drive quality targets; reduced process variations, mitigated risks, and recommended continuous improvement plans using structured methodologies • Developed a comprehensive training program for the chargeback process • Delivered regular training sessions for new and existing employees • Monitored trainee progress and provided constructive feedback • Collaborated with team leads to identify training needs • Allocated client leads and assigned responsibilities • Captured client manuals and standard operating procedures (SOP) with expertise • Utilized Gamma , Canva , Co-Pilot , Azure AI Speech, MS PowerPoint and Canva to automate training content creation

• Analyzed and resolved chargeback disputes • Utilized analytical skills to identify fraudulent transactions • Developed strategies to prevent future chargeback • Analyzed patterns or trends that may indicate potential fraud or inefficiencies in the process • Helped generating daily, weekly, and monthly reports on chargeback activities, highlighting key performance indicators (KPIs) and trends. • Ensured all the case files are completed, complaint with regulatory standards and properly archived in internal systems.

• Managed end-to-end business loan application processes, ensuring accurate documentation, timely processing, and adherence to internal policies. • Conducted credit assessments and background checks to evaluate borrower eligibility and assess potential lending risks. • Coordinated with cross-functional teams to streamline loan processing, resolve operational bottlenecks, and ensure smooth workflow execution. • Monitored and analyzed market trends, industry developments, and lending patterns to identify potential business opportunities. • Identified and explored new business opportunities to support business growth and expand the loan portfolio. • Oversaw the timely disbursement of approved loan amounts, ensuring compliance with operational procedures and turnaround time (TAT) requirements

• Performed Know Your Customer (KYC) checks and Customer Due Diligence (CDD) to verify customer identities, validate documentation, and assess potential risk exposure. • Analyzed customer profiles and financial information to identify discrepancies, suspicious activities, and potential compliance risks. • Conducted risk assessments and ensured adherence to Anti-Money Laundering (AML) regulations, KYC guidelines, and internal compliance policies. • Maintained strict data confidentiality and ensured the secure handling of sensitive customer information in accordance with data privacy standards. • Collaborated with internal stakeholders and cross-functional teams to address compliance-related queries and ensure effective implementation of KYC and AML procedures. • Supported employee training and awareness initiatives on AML regulations, KYC procedures, and compliance requirements.

• Developed interactive e-learning content on Dispute Management processes using Azure AI Speech and Gamma AI. • Leveraged AI-powered tools to create engaging training materials, voiceovers, and visual presentations to simplify complex dispute-related concepts. • Structured learning content to improve employee understanding of dispute handling procedures, workflows, and operational guidelines. • Utilized AI-driven content creation tools to enhance training delivery, learning accessibility, and knowledge retention.