Gomathi Janala

Fraud analysts play a crucial role in detecting, investigating, and preventing Account Takeover (ATO) fraud and Payroll Takeover (PTO) fraud. Their responsibilities involve monitoring transactions, analyzing fraud patterns, implementing security measures, and collaborating with teams to mitigate risks.

• Analyze transaction patterns to identify anomalies indicating ATO or PTO fraud.
  Monitor login activities for unusual behavior (e.g., multiple failed attempts, new devices, location changes).
  Track payroll system changes, especially sudden direct deposit updates.
  Use fraud detection tools (e.g., AI-driven analytics, machine learning models) to flag suspicious activity.
• ️ Conduct in-depth investigations on flagged accounts for potential ATO or PTO fraud.
  ️ Analyze customer behavior, device fingerprints, and IP addresses to distinguish between real users and fraudsters.
  ️ Review communication logs (e.g., emails, SMS alerts) for phishing or social engineering attempts.
  ️ Coordinate with cybersecurity teams to trace data breaches leading to fraud.
  Block compromised accounts and work with customers to regain access securely.
• Implement Multi-Factor Authentication (MFA) for sensitive accounts.
  ️ Enhance password policies to prevent credential stuffing attacks.
  ️ Set up real-time alerts for unauthorized login attempts or payroll modifications.
  ️ Educate employees & customers about phishing scams and fraud prevention.
  ️ Work with IT/security teams to strengthen access controls and endpoint security.
• Prepare reports on fraud incidents, trends, and emerging threats.
  Ensure compliance with fraud prevention regulations.
• Report fraud cases to law enforcement or relevant financial institutions.
  Keep documentation of fraud cases for auditing and future risk assessment.
• Work with cybersecurity teams to prevent data breaches leading to ATO/PTO fraud.
  Assist HR/payroll departments in securing payroll processing systems.
  Update fraud detection models based on new fraud techniques.
  Collaborate with financial institutions to track and recover stolen funds.
• Mentor and train team members to develop their skills and careers.
• Control Testing:
• Conducted regular control testing of financial reporting and operational processes to ensure compliance with internal policies and external regulations.
• Participated in the annual risk assessment process to identify key risks and control gaps in various business operations.
• Assisted in developing and maintaining internal control documentation, including control matrices, test plans, and risk assessments.
• Supported the internal audit team by providing evidence, documentation, and analysis for control testing during audits.
• Coordinated with cross-functional teams to address control weaknesses and implement corrective actions in a timely manner.
• Supported process owners in designing and implementing new or revised internal controls in response to operational changes or regulatory updates.
• Review and analyze control performance, documenting findings, and providing recommendations to senior leadership to enhance internal controls and mitigate identified risks.
• Develop and maintain detailed control testing plans, sample selection methodologies, and reporting procedures for compliance audits and RCSA assessments.
• Provide training and guidance to internal teams on risk management frameworks, control testing procedures, and risk identification.
• Assist in SOX compliance efforts by conducting detailed testing of controls and supporting external auditors in evaluating the control environment.

• Tracked and monitored progress of all outstanding risks until closure, providing guidance and support where necessary.
• Utilised quantitative assessment skills to determine controls, processes and practices in place to establish control rating for each risk.
• Supported operations risk team with management of operational and workplace health and safety risks.
• Assisted business unit managers to develop checklists and procedures to self-check own department to identify risks, issues and adverse trends.
• Lead the execution of risk and control self-assessments (RCSA) across multiple business functions to ensure compliance with organizational policies and regulatory requirements.
• Perform testing of internal controls related to financial reporting, operational processes, and IT security to identify deficiencies and inefficiencies.
• Collaborate with control owners and process managers to document control design, conduct testing, and ensure corrective actions are implemented where necessary.

• Maintained various data communications systems.
• Identified system weaknesses and vulnerabilities, implementing improvement action.
• Trained team members and users in newly implemented and emerging technology to enhance business productivity.
• Answered and triaged requests for assistance in order to provide top-notch support.

• "Dedicated Customer Relation Executive skilled in delivering exceptional customer service, ensuring Customer satisfaction, and creating memorable experiences."