Deepti Kalra

CEO

New York City, New York, United States17 yrs experience

Most Likely To SwitchAI Enabled

Key Highlights

18+ years in risk strategy and transformation.
Expert in fraud prevention and credit risk management.
Proven track record in leading high-performing teams.

Stackforce AI infers this person is a Fintech expert specializing in risk management and fraud prevention strategies.

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Skills

Core Skills

Fraud PreventionRisk ManagementProduct VisionBusiness TransformationAnalyticsBusiness Intelligence

Other Skills

Customer DataNegotiationProduct Road MappingP&L ManagementNew ConceptsGo-to-Market StrategySoftware as a Service (SaaS)Market AnalysisStatistical ModelingPortfolio ManagementAnalysisStatisticsMatlabBankingPredictive Analytics

About

A seasoned Risk Strategy and Transformation leader with 18+ years of experience driving fraud prevention, credit risk, AML, and business intelligence strategies across multiple channels and products. I specialize in building and leading high-performing teams that deliver innovative solutions to protect customer data, mitigate fraud (Synthetic, 1st & 3rd Party), and optimize risk controls. Beyond risk management, I have a strong track record of designing and deploying data intelligence products that power decision-making across credit, fraud, AML, and marketing. These solutions have enabled organizations to leverage advanced analytics for smarter strategies and improved customer experiences. I thrive on partnering with senior leaders and cross-functional teams to execute complex initiatives and deliver measurable outcomes. Passionate about fostering a culture of innovation, collaboration, and excellence, I aim to create value for organizations, customers, and stakeholders through strategic thinking and data-driven insights.

Experience

Bank of america

2 roles

Executive, Head of Consumer & Small Business Authentication Strategy

Promoted

Feb 2024 – Present · 2 yrs 1 mo · New York City Metropolitan Area

Leading transformation of cross-channel authentication, driving innovation and operational efficiency across digital, physical, and service platforms. Centralized authentication processes across all channels, enhancing security, increasing pass rates, and reducing fraud risk. Modernized legacy systems with scalable, agile authentication frameworks to stay ahead of evolving fraud tactics and boost operational efficiency. Developed a strategic roadmap for adaptive authentication methods, streamlining processes and improving resilience against emerging threats.
Aligned with the business units to execute a strategic vision for modernizing new account opening, significantly improving client experience and fraud mitigation.
Recognized with Pinnacle Award for pioneering onboarding controls that verify true client identities and reduce identity fraud. Built and nurtured a high-performing, diverse team, promoting talent into leadership roles and fostering a culture of innovation and collaboration.

Fraud PreventionBusiness TransformationCustomer DataRisk ManagementAnalytics

SVP, Consumer & Small Business Authentication

Aug 2022 – Feb 2024 · 1 yr 6 mos · New York City Metropolitan Area

Cross-channel Authentication & Digital New Account Opening Transformation

Product VisionNegotiationProduct Road MappingBusiness Transformation

Self financial, inc.

VP, Head of Fraud Strategy

Dec 2021 – Aug 2022 · 8 mos · New York City Metropolitan Area

Developed, implemented, and monitored an enterprise-wide fraud strategy framework covering 1st & 3rd Party Fraud, Synthetic ID Fraud, and Transaction Fraud. Designed an end-to-end Synthetic ID risk framework and built a roadmap to strengthen controls for 3rd Party Fraud, payments risk, and authentication—leveraging external vendor intelligence and internal online/offline processes to deliver robust fraud prevention.

Customer DataP&L ManagementNegotiationProduct Road MappingFraud PreventionRisk Management

Citi

2 roles

Senior Vice President - Innovation & Strategy

Promoted

Aug 2018 – Nov 2021 · 3 yrs 3 mos

Built and led a high-performing team to develop in-house algorithms and custom analytical capabilities, delivering actionable intelligence across credit, fraud, synthetic ID, and AML. Designed solutions for link analysis, pattern recognition, and money movement tracking to strengthen enterprise risk management.
Developed a “hold-and-assess” platform to automate performance-based actions and drove product roadmaps for innovative risk analytics solutions. Partnered across multiple business functions to provide end-to-end support through focused innovation, relationship management, and strategic development.
Identified business gaps, designed and implemented solutions, and led analytics for high-priority fraud initiatives—enabling data-driven decisions and measurable impact across the organization.

Product VisionCustomer DataP&L ManagementNew ConceptsGo-to-Market StrategyNegotiation+3

Vice President - Innovation & Strategy

Jul 2017 – Jul 2018 · 1 yr

Jpmorgan chase & co.

Vice President - Business Intelligence

May 2015 – Feb 2016 · 9 mos · New York, New York

Managed strategic relationships with top-tier merchants and led advanced analytics to uncover revenue growth opportunities and strengthen customer management strategies. Standardized frameworks for data intelligence capabilities and designed data products delivering insights on customer spend behavior, loyalty, and competitive trends for diverse client segments.

Customer DataNew ConceptsMarket AnalysisBusiness Intelligence

Mastercard advisors

Business Leader - Advanced Analytics

Sep 2014 – May 2015 · 8 mos · New York City Metropolitan Area

Led methodology reengineering and drove automation and delivery of a global merchant reporting tool by partnering closely with IT and Marketing teams. Successfully managed by influence across vertical and horizontal stakeholders to ensure seamless execution and adoption.

Customer DataNew ConceptsGo-to-Market StrategyMarket AnalysisSoftware as a Service (SaaS)Analytics

American express

2 roles

Senior Risk Manager - Fraud Risk

Apr 2013 – Apr 2014 · 1 yr

Developed and led the implementation of robust fraud risk controls for prepaid products through dynamic limit management and feature activation/deactivation across multiple fund-in and fund-out channels—significantly reducing fraud losses and strengthening overall risk posture.

Customer DataFraud Prevention

Risk Manager - Credit Risk

Jun 2010 – Apr 2013 · 2 yrs 10 mos

Managed credit losses for the lending-on-charge feature by implementing robust suspension/unsuspension processes. Optimized and increased lending limits to improve profitability while maintaining strong risk controls.

Metlife

Enterprise Credit & Market Risk Consultant

Jun 2008 – Apr 2010 · 1 yr 10 mos

Maintained enterprise-level economic capital models to support effective credit risk management. Conducted scenario analyses and set instrument-level authorization limits to align with strategic risk objectives. Documented processes and validated data integrity to ensure accurate implementation and consistency with business decisions.

Wachovia

Portfolio Credit Risk Analyst - Auto Lending

Feb 2007 – Jun 2008 · 1 yr 4 mos

Delivered region-level portfolio and operational performance analytics, advising regional heads on actionable strategies to optimize results. Streamlined key processes—such as repossessed vehicle valuation—to improve accuracy and effectiveness of risk mitigation measures.