Nitish Midha

Product Manager

Noida, Uttar Pradesh, India15 yrs 2 mos experience

Highly Stable

Key Highlights

15+ years in Risk, Fraud & AML
Expert in building in-house fraud engines
Proven track record in AML solutions implementation

Stackforce AI infers this person is a Fintech Risk and Fraud Management expert with extensive experience in AML solutions.

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Skills

Core Skills

Risk ManagementFraud DetectionAnti-money LaunderingRisk AssessmentFraud PreventionData Analysis

Other Skills

Big Data AnalyticsMachine LearningPythonHiveSQLMicrosoft ExcelETL ToolsRisk AnalyticsFraud InvestigationsData Analytics

About

Risk professional with experience of 15+ years in Risk, Fraud & AML, In-House Fraud Engines,On-Prem & SaaS AML Platforms in Fintech, Digital Banking & E-commerce domain.

Experience

15 yrs 2 mos

Total Experience

5 yrs 5 mos

Average Tenure

4 yrs 4 mos

Current Experience

Maya

Senior Product Manager

Dec 2021 – Present · 4 yrs 4 mos · Manila, National Capital Region, Philippines · Hybrid

Risk, Fraud & AML | In-House Fraud Engines | On-Prem & SaaS AML Platforms | Fintech & Digital Banking
Led the strategic development and migration to an in-house fraud & risk rule engine, reducing dependency on third-party vendors and delivering significant cost savings across licensing and transaction-based fees.
Built a scalable, modular fraud risk engine supporting real-time scoring, rule orchestration, and workflow customisation, aligned with business growth and regulatory needs. Also enabling faster rule changes, real-time controls, and greater flexibility to respond to emerging fraud patterns.
Led end-to-end implementation and optimisation of AML solutions covering Name screening, Transaction monitoring, risk scoring, alerting, investigations, and regulatory reporting.
Partnered with Compliance, Legal, Data Science, Engineering, and Operations leadership to balance risk mitigation, customer experience, and business growth.
Represent the organisation in industry forums and communicate effectively with external auditors, regulatory bodies, and partners about risk management strategies.

Risk AssessmentFraud PreventionRisk ManagementFraud Detection

Paytm

Deputy Manager

Nov 2015 – Dec 2021 · 6 yrs 1 mo · Noida Area, India

Fraud Prevention & Risk Analytics
● Risk Assessment & Analytics of business risk of Payment Gateway (UPI, Card, Netbanking, and Pay Later), Paytm Wallet, Commerce & Financial services (Lending, wealth management, Insurance etc).
● Building product for safe payment experience of consumer (400 Mn+) as well as merchant (12 Mn+) ecosystem.
● Worked with most of the critical features of Paytm like Digital credit, Card tokenisation, prepaid card, mobile POS, EDC, International card, QR solution, Digital gold, rent payment, gift voucher, link based payments, payment pages etc. to build preventive measure in product flow to mitigate fraud as well as operational proactive monitoring.
● Solving complex data driven problem through advanced analytics and machine learning like detecting stolen card fraud, account takeover fraud, social engineering fraud, money laundering, gambling , non-sufficient fund fraud, merchant-buyer collusion, promotion abuse, card not present fraud etc.