Naga Meghana Meruga
Finance Expert
Ontario, Canada
Skills
Quality Assurance (QA)
About
Meghana Meruga's skills align with Insurance & Finance Managers (Insurance and Finance). Meghana also has skills associated with Sellers (Sales and Trading). Meghana Meruga has 7 years of work experience, with 6 years of management experience, including a mid-level position.
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Work Experience
Dispute Specialist - Fraud Operations
Mastercard disputes
February 2022 - October 2022
- * Responsible for handling of Visa credit card disputes/ Visa Debit card disputes / Mastercard disputes / chargeback and Fraud (Account Activity Fraud, Family Friendly Fraud, Account Takeover etc., filing and inquiries from customers and business partners through multiple channels including inbound calls, web applications and emails. * Filing chargebacks and represent cases; this includes but is not limited to informing the merchant of the dispute, gathering supporting evidence, filing the case with the credit card network (Visa, Mastercard) and managing the case through to resolution. * Demonstrated strong analytical skills and attention to detail in identifying and mitigating potential fraud risks, contributing to the overall effectiveness of the Financial Crimes Unit. * Assist in the education of clients on how to recognize indicators of fraud and ensure their compliance with effective escalation in a timely manner.
Credit and Dispute Chargeback Representative
Cards
March 2021 - February 2022
- * Responsible for handling of Visa disputes and chargeback filing and inquiries from customers and business partners through multiple channels including inbound calls, web applications and emails. * Mitigating real-time and CNP (Card-Not-Present) payments & fraud (debit, credit, prepaid cards, Apple Pay, gift cards fraud scenarios. * Conduct comprehensive, detailed investigations, make decision and report on activity that indicates an exposure to fraud activities. * Monitors and analyzes various information provided through detection systems, tools, reports, or manually to evaluate, investigate and determine required actions. * Support fraud engagements to provide business insights from the analysis of the client's challenges, consideration of the business environment and the potential risk exposure.
KYC Analyst
Goldman Sachs
June 2017 - April 2018
- * Onboarded 200+ corporate clients across EMEA and US ensuring seamless integration, regulatory compliance and global business expansion while conducting comprehensive KYC procedures, * Conducted Gap analysis on client files using vendors for KYC such as Orbis, World-Check, LexisNexis. * Used investigative skills to find answers for client queries and proposed solutions to issues that arise on a day-to-day basis. * Collaborate with internal stakeholders to resolve KYC-related issues and escalate high-risk cases as necessary. * Verify the Identity of clients and assess the legitimacy of their financial activities in accordance with regulatory requirements and internal policies.
AML ANALYST II
Financial Crimes Unit
October 2022 - Present
- * Conducted comprehensive KYC periodic reviews to ensure compliance with regulatory requirements and mitigate risks associated with financial crimes, using applications such as SAS, PowerBi and Actimize etc. * Conducted real-time transaction monitoring for potential suspicious activities focusing on low, medium, and high-risk customers. * Performed Transaction Monitoring on AML alerts and navigating Investigatio processes/programs in a Financial Intelligence Unit (FIU) environment. * Plan, conduct and complete risk-based investigations into matters identified from media scans, transaction monitoring, as well as Unusual Transaction Reporting via internal partners. * Monitor cryptocurrency transactions on our platform to identify suspicious activity, including potential money laundering, terrorist financing, and other illicit activities. * Conducted due diligence using various tools such as World Compliance/LexisNexis and/or other Internet-based investigative tools. * Worked with the Global AML-FIU Investigation Team and other FIU partners to ensure that investigations are conducted within defined timelines and are escalated in accordance with relevant policy, including the PCMLTA and PCMLTFR.
Customer Service Manager
Walmart Canada
August 2018 - Present
- * Plan and direct staffing, training, and performance evaluations to develop and control sales and service programs, resolve customer complaints regarding sales and service. * Managing the team of 25-30 frontend associates based on their daily needs and daily store operations. * Receive payments by cash, check, credit cards, vouchers, or automatic debits. * Monitor checkout stations to ensure that they have adequate cash available and that they are staffed appropriately. * Calculate total payments received during a time period and reconcile this with total sales. * Ensure compliance with relevant regulations and company policies regarding payment processing and fraud prevention, maintaining high standards of integrity and transparency in all operations. * Oversee payment processing procedures, including receiving payments by cash, check, credit cards, vouchers, or automatic debits, ensuring accuracy and compliance with company policies.
Education
Centennial College of Applied Arts and Technology
PG Diploma
January 2018 - January 2019
