Sumita Ramakrishnan
647-701-4052 | [email protected] | Brampton, ON L6V4M2
SUMMARY
Highly focused and dependable professional with over 3 years of post- qualification experience
in credit risk and banking. Experience in performing complex analysis of data to drive the
customer service decisions. Payment Risk Analyst with experience in risk management and
data analysis. Proficient in Excel and familiar with financial modeling techniques. Strong
analytical skills, with ability to identify and assess risks, and develop risk mitigation strategies.
Analyzing and building new methods to detect fraud and mitigate risks. Able to handle multiple
customer requests and concerns with utmost professionalism and courtesy. Working
independently or as part of a Payment Operations Team.
SKILLS
Attention to detail and strong time Analytical and summarizing skills
management skills pertaining to report generation
Ability learn and assimilate information Ability to troubleshoot Complex problems
quickly with excellent analytical skills Interpersonal skills and a team player
Risk Management while handling critical Portfolio analysis
functions with adherence to banking codes Strong sense of banking ethics
and ethics. Knowledge of banking transactions and
Audit and Compliance with adherence to products
policies and procedures Ability multi task in a dynamic face-paced
Strong technical skills such as Microsoft environment
Office Proficiency tools (Use of Excel, Pivot
Tables, V-look up etc.)
EXPERIENCE
Payments Risk Analyst / Underwriting Analyst, Lightspeed HQ, August 2021- Current
Conducting analysis on the data to develop and improve fraud detection while balancing
the payment operations of the organization.
Performing fraud investigations using wide variety of data and further investigate the
previous transactions in order to accept and on-board the merchant.
Assessing the fraudulent activities, identifying risk exposure, highlighting fraud trends
and determining regulatory or compliance violations
Liaise between the Payment Operations team, and the Payments Reconciliation team to
develop and maintain Risk and Fraud reports which helps address potential red flags in
any of the accounts.
Developing and implementing strategies using SQL and TSYS systems to mitigate fraud.
Presenting Fraud Performance/ detection reports in several monthly forums, and
establishing myself as a Subject Matter Expert.
Analyst , ICICI Bank Canada, October 2018-August 2021
Documenting innovative and proactive approach by highlighting the inefficiencies and
implementing to streamline the processes and also detect frauds.
Advising clients of banking products and services, including loans, mortgages, and
investment options to achieve their financial goals.
Processing all transactions including incoming transfers, service purchases in
accordance with the established standards in a timely manner and with utmost due
diligence
Maintaining of all records of various transactions performed in a day and analyzing large
set of data and ad-hoc reporting
Investigating and conduct a follow up session with clients for any transactional related
inquires
Conducting outgoing money transfers through SWIFT channel
Administrating day to day operational activities within prescribed SLAs to avoid potential
escalations
Liaise with other team members in the branch to respond to complex inquiries
Engaging with clients every day to meet their immediate and future needs, offer advice,
handle objections and complete sales for personal clients with implementation of
guidance tools
Demonstrating the benefits and assist clients in using all channels such as Bank
Machines, Telephone Banking, Mobile and Online Banking
Customer Service & Merchandise Associate, Petro Canada, May 2017- October 2018
• Developed, managed and executed data analytics projects including forecasting models that
enabled Petro Canada to achieve an increase in net sales of 15%
• Conceptualized and automated report formats (using excel) to be used in dashboards in
order to understand customer behavior
• Maintained a database tracking the following: Pending/existing vendor contracts, Purchase
Orders, and Invoice payment statuses (making sure invoices are paid on time or invoices are
not held up/missing).
• Maintained stock levels in Petro Canada store shelves and made sure it matched the
inventory sheets
•Overcame multiple logistical obstacles including fulfilling stringent quality control
requirements, vendor recalls/product issues and inventory management
• Collaborated with other teams to develop a model of inventory analysis to reduce overall
cost of goods by transforming raw data into insights
• Participated in Training of Customer Service Associates including product knowledge,
stocking system and paperwork process
EDUCATION AND TRAINING
Pursuing Financial Risk Manager (FRM) Level 1 Examination
Post-graduation certificate- George Brown College (December 2017-January 2018)
Bachelor of Commerce – Mumbai University (April 2014 – March 2017)
