Pallavi Sharma

Competent professional with over 7 years of experience in risk analytics and fraud strategy within the payments ecosystem. Demonstrated success in managing cross-functional teams and enhancing operational efficiency through strategic initiatives and stakeholder engagement.

Payment Platform Convergence for a major Fintech

• Led risk strategy analytics and project coordination for a payment platform convergence initiative, ensuring current risk and fraud controls continued to function effectively during the migration of multiple payment processing flows to a unified platform
• Partnered with risk and product engineering teams to validate risk rule logic, monitor authorization and fraud signals, and ensure risk decisioning frameworks remained stable and accurate throughout system integration
• Conducted deep dive analysis on transaction declines, risk triggers and anomalies developing monitoring dashboards and insights that helped detect control gaps early and safeguard payment success rates durong the transition.

Fraud Monitoring and Analytics for major US Issuer

• Monitored real time transactions across merchants in US to identify high velocity transactions indicative of potential fraud
• Temporarily blocked merchants facing unusually high transaction velocity and identify merchants facing highest fraudulent activity in last 24 hrs
• Based on transaction pattern, set thresholds for transactions that may indicate fraud and developed new risk strategies to help mitigate any potential fraudulent activity

Actionable Fraud Intelligence 

• Developed a fraud diagnostic tool for issuers utilizing the client's proprietary fraud scoring algorithm and transaction data. This tool captures performance across various metrics and benchmarks against peers to enhance fraud detection efficiency
• Identified high-risk microsegments and mitigated fraud losses by crafting a Fraud Intelligence tool, enabling risk management

Global Tokenization Dashboard

• Developed one stop solution for all the Issuers/wallets providers across the globe to assess the Token Adoption.
• Track top fraudulent corridors in all the regions. Identify emerging fraud trends across various segments - Channel, Jurisdiction, Portfolio and Merchant Category.

Issuer Diagnostic Tool 

• Developed an intuitive tool that provides Issuers with a holistic overview of how they are performing on a cross functional set of attributes relative to its peers.
• The tool also recommends the best product/service based on the client specific output from the tool.

Risk Analytics for Ecosystem 

• Developed a one stop solution for Merchants to show their overall performance in the industry w.r.t the peers at different segments.
• Created an auditing tool for Risk Managers to identify issuers with poor fraud reporting system.
• Helped Merchants understand Sales, Fraud, Chargeback and Approval patterns across all the channels and identify growth opportunities and risky portfolio.

Data Product for Issuers and Acquirers in Europe

• Created Issuer/Acquirer peer benchmarking dashboards for European Market. Helped Issuer/Acquirer to track their KPIs across various channels, geographies and industries w.r.t its peers.