Summary
Overview
Work History
Education
Skills
Timeline
Generic

SIDDHARTH GALAGALI

San Jose,CA

Summary

Experienced Fraud, Risk, and Strategy Leader with 6+ years in fraud prevention, chargebacks, and risk analytics in fintech and payments. Proven success in reducing fraud losses by $8.5M annually using AI-driven risk models, dispute automation, and transaction monitoring. Skilled in cross-functional leadership, optimizing fraud strategies for risk mitigation and user experience enhancement.

Overview

6
6
years of professional experience

Work History

Lead Risk and Trust Analyst

NVIDIA
06.2025 - Current
  • Leading the development of NVIDIA’s payment orchestration and fraud risk systems from the ground up, supporting over $10B in annual transaction volume across global commerce operations.
  • Designing and optimizing the end-to-end fraud detection framework, using behavioral analytics, velocity rules, and transaction scoring to proactively mitigate card-not-present (CNP) fraud.
  • Owning fraud investigations and risk reviews, collaborating with engineering and data science teams to automate detection and response flows across the Unified Commerce Platform (UCP).
  • Working closely with Payment processors, acquirers, and fraud vendors to fine-tune signal intelligence, reduce false positives, and enhance risk coverage without compromising user experience.
  • Building chargeback management strategies, automating dispute workflows, and increasing representment success by embedding fraud signals into transactional decisioning.
  • Developing key risk and fraud KPIs, monitoring chargeback ratios, and generating data-driven insights for leadership to support compliance and commercial decision-making.
  • Partnering with cross-functional teams including legal, payments, and finance to ensure payment compliance and risk controls align with global standards.
  • Identifying gaps in payment and fraud workflows, proposing and implementing scalable solutions to improve authorization rates, reduce fraud losses, and drive operational efficiency.
  • Driving the roadmap for risk tooling, orchestration infrastructure, and policy governance to support NVIDIA’s long-term unified commerce and payments vision.

Senior Risk Strategy Analyst II

Chime Financial
07.2021 - 06.2025
  • Developed and executed fraud prevention strategies, focusing on first-party fraud, force post transactions, and chargeback abuse, resulting in $3M in annual loss savings.
  • Led the force post transaction monitoring & automated recovery program, implementing 95% fraud detection accuracy and improving loss mitigation.
  • Implemented an end-to-end chargeback automation system, reducing manual processing time by 27% and saving $3.5M annually.
  • Increased denied disputes rate by 20% through AI-driven dispute recommendation automation, optimizing resolution efficiency.
  • Built risk-based AML and audit frameworks, identifying areas of high financial and operational risk, ensuring regulatory compliance.
  • Created real-time fraud dashboards using Snowflake and Looker allowing real-time monitoring of dispute rates, chargebacks, and loss forecasting.
  • Provided data-driven insights to senior leadership, answering critical finance and risk queries related to dispute loss trends, provisioning models, and fraud rate anomalies.

Risk Strategy Analyst

PayPal
04.2020 - 07.2021
  • Designed and implemented a dispute priority model for risk-based transaction routing, resulting in $4M in annual loss savings by optimizing chargeback and dispute handling.
  • Developed merchant and customer segmentation models for fraud detection, identifying abuse patterns and reducing fraud-related losses by $1.5M annually.
  • Managed fraud risk for PayPal's key payment products (Venmo, PayPal Debit, Virtual Cards, QR Codes), analyzing regional fraud trends and adjusting protection policies globally.
  • Conducted A/B testing and exploratory data analysis to refine risk models, improving fraud detection rates and reducing false positives.
  • Automated SQL-based risk analytics pipelines, creating a fraud transaction database for real-time tracking and loss forecasting.
  • Built and deployed Tableau dashboards for PayPal's card portfolio, enabling data-driven decision-making for leadership and risk operations teams.
  • Partnered with global fraud teams, product managers, and regional business units to implement scalable fraud prevention programs across multiple markets.
  • Worked with data science and engineering teams to refine fraud models, identifying key variables for enhanced risk estimation and policy adjustments.

Risk Analyst

Fiserv- Electronic Payments
05.2019 - 04.2020
  • Enhanced fraud detection for Zelle online payments, increasing fraud detection accuracy from 60% to 95% by analyzing transaction patterns with thousands of fraud-related variables.
  • Developed AI-driven fraud detection models using recursive decision trees, reducing fraudulent transactions by 50% across a $10B banking and online payment portfolio.
  • Designed fraud model performance reports, tracking Gains Charts, False Positive Trends, and Risk Segmentation by channel (mobile vs. web).
  • Executed data and market analysis to support risk strategy planning, prioritization, and business decision-making.
  • Developed ad-hoc PL/SQL queries to generate quick insights for customer disputes, fraud alerts, and vendor risk analysis.

Education

Master's - Information Systems and Operations Management

University of Florida, Warrington School of Business
Gainesville, FL
01.2018

B.E -

Visvesvaraya Technological University
01.2016

Skills

  • Leadership
  • Risk Analysis
  • Automation
  • Data Science
  • Strategic Thinking
  • A/B Testing
  • Risk Management
  • Market Segmentation
  • Product Management
  • Fraud Prevention and Detection
  • Banking Services
  • Payment Systems
  • Data Analysis

Timeline

Lead Risk and Trust Analyst

NVIDIA
06.2025 - Current

Senior Risk Strategy Analyst II

Chime Financial
07.2021 - 06.2025

Risk Strategy Analyst

PayPal
04.2020 - 07.2021

Risk Analyst

Fiserv- Electronic Payments
05.2019 - 04.2020

Master's - Information Systems and Operations Management

University of Florida, Warrington School of Business

B.E -

Visvesvaraya Technological University

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