Sabarinathan Govindaraj
Chicago,IL
Summary
Experienced Data Science professional with over a decade of expertise in fraud prevention and data analytics. Successfully led teams in deploying advanced fraud detection strategies, mitigating significant financial losses across various financial products. Proficient in SAS, Python, and Tableau, with a strong focus on risk management, anomaly detection, and improving operational efficiency. Passionate about protecting organizational assets through innovative, data-driven solutions.
Overview
14
14
years of professional experience
Work History
Manager
Discover Financial services
01.2017 - Current
- Data science| Principal Data science, Identity & First party fraud prevention, Bank Fraud Analytics & Team Leadership
- Led bank fraud analytics for money movement and identity teams, managed a team of 2 data scientists, overseeing hiring, mentoring, and guidance
- Led the fraud strategies modernization effort, responsibilities include roadmap, tracking status, QBRs, loss reporting and provides weekly to leadership team includes VP & directors
- Oversaw risk management for various financial products, including ACH, Zelle, Wire, Wallets and debit, mitigating losses exceeding $5MM & 10 basis points yearly by developing and implementing fraud detection strategies
- Identity Fraud Prevention & Decision Rule Engine rollout
- Successfully deployed decision engine for wallet, ACH, Zelle, and high-risk interactions to prevent Identity and ATO fraud, and implemented 50+ policy and fraud rules using SAS, Python, along with KPI monitoring built in tableau
- Specialized in payment fraud detection strategies, including anomaly detection and prevention of third-party and synthetic identity fraud, delivered robust authentication use cases, including Push, selfie, voice authentication (Pindrop), and XID
- Third Party acquisition fraud & origination Decision Rule Engine rollout
- Successfully deployed origination decision engine using FICO, integrated third party vendors such as ThreatMetrix, Lexis Nexis, Emailage, Socure, and Chex
- Deployed more than 10+ third party prebook rules and mitigated fraud ap risk., prevented loss of $1MM+ annually
- First Party & abuse prevention
- Led & deployed rules mitigating ACH\Check Fast money movement, Early CD break, deposit tier limits
- Own fraud operations procedures, treatment, and authentication upon getting approval from legal, compliance and fair banking
- Successfully deployed REG-E deflection strategies to derail fraud abuses for debit, apple cash, wallet, ACHs and Zelle including API updates and reports
- BFU Operation Strategy Optimization -Successfully reduced the false positive rate of "Behavioral Fraud Unit" (BFU) referrals from 5:1 to 3:1, enhancing efficiency and accuracy in fraud detection, resulting in approximately $600k and 350+ hours in monthly savings for the BFU
- Anomaly detection and signal strategy -Built identity and acquisition anomaly detection and signal strategies using digital and risk scores on hourly, daily, and weekly volumes, prevented vectors of fraud attacks in early stages
- Project Management & Reporting -Led multiple initiatives to launch new deposit product which drives portfolio by 30%, and monitoring the performance of customer by creating close to 10 KPI reports using tableau
- Technology and Data science tools -Strong demonstration on SQL, Tableau, SAS, Python, strong understanding of ETL concepts, experience in working with data models - Experience working with all fraud vendor tools and scores (Lexis Nexis, Verafin, Fico, Emailage, Socure, Pindrop, Greyhair, Sentilink and GPG)
Business Intelligence lead
Actionet Inc
04.2017 - 11.2017
- Medical Practitioner Insurance Cost Prediction -Specialized in decision tree model creation using SAS Miner or Python, encompassing regression, XGboost, random forest, and classification techniques, Practitioner model implementation yielded yearly benefits exceeding $5MM for CMMI.
Senior developer
Prodapt Solutions
10.2014 - 08.2015
- Managed a team of six members, ensuring the timely delivery of data science solutions and providing technical support as needed
- Utilized Python for custom data processing procedures, functions, and packages to automate report generation and streamline data workflows.
Programmer analyst, Data science
Cognizant Technology solutions
02.2011 - 10.2014
- Developed various PL/SQL stored procedures and functions, collections, Object Types, Triggers
- Spearheaded the design and implementation of the OBIEE Analytics Metadata Repository, enabling streamlined data analysis and reporting
- Generated various analytical reports using SAS, financial models in Excel, and visualizations in Tableau, contributing to informed decision-making.
Education
Master of Science - MIS
University of Houston
Houston12.2016
Bachelors - electronics & communication engineering
Anna University
05.2010
Skills
- Skills And Interests
- Tools: SAS Miner & EG, Python, SQL, Tableau, JIRA, Snowflake, AWS, ETL, spark, Hadoop, SAS EG, Project Management, Leadership communication, Explanatory Data analysis, Univariate, Bivariate , multivariate, SQL
- Fraud Detection and prevention
- Operation analytics
- Data Visualization
- Machine Learning
- Data operations
Accomplishments
- Certifications: SAS Professional – Intermediate, Machine Learning from Stanford University, Generative AI: Working with LLMs
Timeline
Business Intelligence lead
Actionet Inc
04.2017 - 11.2017
Manager
Discover Financial services
01.2017 - Current
Senior developer
Prodapt Solutions
10.2014 - 08.2015
Programmer analyst, Data science
Cognizant Technology solutions
02.2011 - 10.2014
Master of Science - MIS
University of Houston
Bachelors - electronics & communication engineering
Anna University