Charu Bhatia

Operations Associate

Delhi, India2 yrs 9 mos experience

Key Highlights

Expert in risk assessment and fraud prevention.
Strong analytical skills in financial compliance.
Passionate about enhancing customer experience through technology.

Stackforce AI infers this person is a Fintech Risk and Compliance Specialist with a focus on digital payments.

Contact

Skills

Core Skills

Risk AssessmentFinancial AwarenessHuman Resource Leadership

Other Skills

ArbitratorMicrosoft ExcelCollateral ManagementIncome AnalysisCredit Risk ManagementAppraisal & Property ValuationLog Reading & InterpretationData AnalysisAnti-Money LaunderingFraud PreventionRealestateMicrosoft WordHuman Resources (HR)HR AnalyticsAccounting

About

A Strong and an Enthusiastic candidate with an academic background in commerce , holding a degree in Economic Hons | MRIIRS’21 (Manav Rachna International Institute of Research and Studies.) and MBA’23 (Finance & HR) at Institute of iInformation Technology and Management , GGSIPU. A Risk and Compliance professional specializing in digital payments, fraud prevention, and regulatory adherence in the fast-evolving fintech ecosystem. I work at the intersection of data, compliance, and risk to keep financial systems secure, user-friendly, and fully compliant. My focus areas include transaction analysis, fraud trend identification, Understanding Log Formats , AML alerts review, and KYC automation. I’m passionate about using technology to make compliance more intuitive, risk controls more effective, and the overall customer experience more seamless.

Experience

2 yrs 9 mos

Total Experience

1 yr 9 mos

Average Tenure

1 yr

Current Experience

Airbnb

Specialist Payment Risk Compliance

Apr 2025 – Present · 1 yr · India · On-site

Investigate and analyze Chargeback and fraud cases to determine the validity of disputes , analyzing transaction history , customer activity and risk indicators to identify unauthorized transactions and prevent financial loss.
Handle end-to-end chargeback lifecycle , including dispute review , documentation review ,evidence compilation and representment in line with the card network guidelines.
Analyze chargeback reason codes and transaction details to assess dispute validity and make informed decisions regarding case outcome while ensuring compliance with payment network regulations.
Handle high volume of chargebacks and fraud cases while maintaining a high level of accuracy , efficiency and adherence to establish service level agreement.

Risk AssessmentArbitrator

India mortgage guarantee corporation - imgc

Credit Analyst/mortgage underwriter

Jul 2023 – Apr 2025 · 1 yr 9 mos · Noida, Uttar Pradesh, India · On-site

Risk assessment - Analyse the risk associated with each loan application, considering factors such as customer profiles, LTV, Credit scores, financial ratios, property & legal evaluations, etc.
Decision making - contribute to making informed decisions regarding loan approval or denial .
Documentation & reporting - assist in maintaining accurate records of the underwriting process including analysis, findings, and decision rationale.

Microsoft ExcelCollateral ManagementRisk Assessment

Well being shiksha foundation

Finance Intern

Jun 2022 – Aug 2022 · 2 mos · Delhi, India · Remote

Hired through college placement cell, analyzed allocation of resources and predicted
cashflows through budget planning, conducted survey of around 100+ respondents to understand the individual behavior and habits towards savings and investment in various sectors.
Conducted seminar in schools, prepared posters and stories to create financial awareness and literacy.

Microsoft ExcelFinancial Awareness

Almonoid private limited

Human Resources Intern

Aug 2020 – Sep 2020 · 1 mo · India · Remote

Updated company’s databases by inputting new employee’s contact information and employment details, prepared assignments related to Word, Excel and PowerPoint.
Screened potential employee’s resumes and application forms to identify candidates, scheduled interviews with shortlisted candidates.

Microsoft ExcelHuman resource leadership