Bheemaiah Biddanda
Bangalore
Summary
Dedicated and vigilant individual with 23 years in the Indian Banking Industry and 11 years extensive experience in fraud investigation services Also having 8 years in team management. Demonstrated expertise in analytical techniques and a strong know-how of contemporary trends in fraudulent activities. Adept at utilizing modern technology to combat fraud and make appropriate recommendations. Extremely knowledgeable in internet banking, card operations, deposit operations, lending operations and physical security tools and videos to investigate suspicious activity. Currently handling fraud investigations for UAE, Singapore and Indian retail portfolios for Standard Chartered bank. Preparing extensive reports for the management to take decisions in preventing further frauds.
Overview
22
22
years of professional experience
1
1
Certification
Work History
Manager -Fraud Risk Surveillance Center
Standard Chartered Global Services
10.2019 - Current
- Managing a team of 5 people for post booking and prebooking activities for credit card sourcing for the Singapore portfolio
- Instrumental in recommending rules in transaction monitoring and prebooking reducing the fraud loss to the Bank
- Managing the Singapore post booking investigation and preparing fraud investigation reports for the countries to review, for the further prevention of frauds and help in setting rules to avoid frauds
- Identifying fraud cases in credit card and personal loans for Indian lending portfolio and making recommendations
- Managing onboarding of new Companies for purpose of retail lending for the UAE portfolio
- Preparing reports on companies and checking for adverse results on companies and their shareholders
- Working with the analytics team for applying rules for the purpose of fraud avoidance in both India and UAE portfolio
- Accomplished multiple tasks within established timeframes.
- Cross-trained existing employees to maximize team agility and performance.
- Evaluated employee performance and conveyed constructive feedback to improve skills.
Manager -Fraud Investigations, Retail Banking
ICICI Bank
12.2012 - 10.2019
- Handling investigations for Cards, Liabilities and Asset products for Karnataka, Kerala and Tamil Nadu
- Extensive experience in credit card fraud investigations
- Experienced investigator in high value lapping frauds and skimming frauds
- Experienced in Cash process audits and embezzlement investigations
- Investigated housing, mortgage and other asset product related fraud
- In dept knowledge of online fraud and vulnerabilities in the banking system with abilities to recreate the situation
- Investigator of frauds committed by both employees and external entities
- Experienced in interview techniques and handling sensitive cases
- Conduct Anti Money Laundering (AML) audit for the branches
- Highly aware of cyber and offline forensic tools used in investigation and have hands on experience in data retrieval techniques from encrypted and non-encrypted media
- Single handily preparing detailed end to end investigation reports for senior management within short deadlines
- Liaising with the local law enforcement in final arrest of certain key individuals causing losses to card industry and identifying equipment recovered from them
- Liaising with the police in incidents which affect the bank and its employees and making sure there no fallout while maintaining minimum press coverage
- Training Karnataka State Police in Banking fraud and investigative methods and how to identify key mistakes made by the effected party which helps in nabbing the criminals
- Identification and recruitment external agencies for investigation purpose
- Identifying fraud trends in the system based on investigations conducted, market feedback and police input and report the same to the management to make effective changes
- Actively participate in Indian Payment Card Risk Council (IPCRC) meetings and sharing related fraud topics in the discussions held quarterly
- Media management in highly escalated situations and preventing blow back on the bank
- Accomplished multiple tasks within established timeframes.
Manager Debt Management -Credit Card Recoveries
HDFC Bank
12.2009 - 11.2012
- Handling Card Recoveries For Bangalore Referral Portfolio
- Managing a small team of four Assistant Managers with reporting agencies each having 20 executives
- Was responsible in scaling the telle calling unit for recovery portfolio to phase out field collection partially
- Was responsible for pan India highest collection in the recovery portfolio in the tellecalling setup
- Managed and motivated employees to be productive and engaged in work.
- Established performance goals for employees and provided feedback on methods for reaching those milestones.
- Streamlined and monitored quality programs to alleviate overdue compliance activities.
Assistant Manager Debt Management
HSBC Bank
10.2006 - 11.2009
- Handled recovery of delinquent customer in the capacity as a supervisor for the consumer finance portfolio
- Handling a team of 30 executives
- Was south India call center supervisor for the Small ticket personal loan collection calling
- Constantly over achieved targets and performed well above the national average
- Supervised day-to-day operations to meet performance, quality and service expectations.
- Defined clear targets and objectives and communicated to other team members.
- Set aggressive targets for employees to drive company success and strengthen motivation.
Assistant Manager Collections
CitiFinancial Consumer Finance India Ltd
02.2004 - 09.2006
- Frontend Bucket Supervisor
- Handling a team of 15 executives
- Handled a portfolio of INR 250 Million with a net resolution of 86%
- Call Centre Training and setting up processes and guidelines
- Handled sale of asset based products
Personal Financial Consultant-Sales
Abn-Amro Bank Limited
12.2002 - 12.2003
- Organizing events to promote the Bank
- Co-ordinate with a team of tele-callers to fix up appointments
- Acquire Data bases for the Bank
- Source liabilities for the Bank
- Managing a small team, directing, motivating and coordinating
- Customer Service and Lobby managing
- Advised clients on investments, retirement and estate planning.
- Devised comprehensive financial plans for clients to achieve short and long-term financial goals.
- Researched and evaluated potential investment products for clients.
- Analyzed clients' financial situations to offer products to improve standard of living.
Education
Honors In Law - Introduction to law
National Law School
Bangalore2000
Master of Business Administration (MBA) - Marketing and Management Information Systems(MIS)
Ohio University
Athens, USA12.2002
Bachelor of Commerce - Advanced Accounting
Bangalore University, Christ College
Bangalore06.2000
Skills
- Fraud Investigation Experience
- Fraud Risk Assessment
- Anti-Money Laundering Monitoring
- Team Leadership
Accomplishments
- Recognized in SCB for outstanding achievement towards customer satisfaction
- Regular guest faculty with the Karnataka Police academy training inspectors and above rank on card related and Banking related frauds
- Investigated Clearing fraud and Branch transaction fraud where the exposure was over INR 10 million and had negotiated for a settlement.
- Investigated multiple high value cases above INR 1 Million and prepared detailed investigation reports which had led to the arrests of the fraudsters.
- Helped the Bangalore Cyber Crime division in identifying and tracking well-known credit card fraudster.
- Helped the Bangalore police in 2015 in investigating and busting a gang involved in account take over.
- Investigated several employee related frauds, recovered property and initiated legal proceedings for the employees.
- Honored for best performer in the for the year 2007 in HSBC bank
- Honored for best performer in CitiFinancial in the front end bucket for the year 2005
Personal Information
Date of Birth: 12/14/79
Certification
Certified Fraud Examiner
Timeline
Manager -Fraud Risk Surveillance Center
Standard Chartered Global Services
10.2019 - Current
Manager -Fraud Investigations, Retail Banking
ICICI Bank
12.2012 - 10.2019
Manager Debt Management -Credit Card Recoveries
HDFC Bank
12.2009 - 11.2012
Assistant Manager Debt Management
HSBC Bank
10.2006 - 11.2009
Assistant Manager Collections
CitiFinancial Consumer Finance India Ltd
02.2004 - 09.2006
Personal Financial Consultant-Sales
Abn-Amro Bank Limited
12.2002 - 12.2003
Certified Fraud Examiner
Honors In Law - Introduction to law
National Law School
Master of Business Administration (MBA) - Marketing and Management Information Systems(MIS)
Ohio University
Bachelor of Commerce - Advanced Accounting
Bangalore University, Christ College
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