Gokulraj S

Results-driven Fraud, Risk & Chargeback professional with over 8 years of progressive experience across payment fraud prevention, dispute resolution, and chargeback operations spanning banking, fintech, airline, and e-commerce sectors. Adept at managing high-volume chargeback environments — processing up to 100 cases daily — while maintaining precision, compliance, and client satisfaction. Currently operating as a Lead Associate at WNS Global Services, managing end-to-end Issuing and Acquiring Chargeback operations for First Abu Dhabi Bank (FAB), one of the UAE's largest financial institutions. Demonstrated ability to independently resolve complex client escalations, achieve a 95% fund recovery approval rate on key and government merchant disputes, and deliver MIS reporting with 100% accuracy. Known for clearing 90% of ONUS disputes within a 15-day cycle and conducting quality analysis across 500+ BAU activity processes. Brings hands-on expertise across the full fraud and chargeback lifecycle — from real-time transaction monitoring and ATO fraud detection to pre-arbitration case management and VISA/Mastercard scheme compliance. Prior experience includes chargeback operations for Revolut (Neo Bank), airline fraud prevention for Air Vistara (achieving a 30% reduction in fraudulent bookings), and multi-payment-method fraud analysis covering Visa, Mastercard, Amex, PayPal, Apple Pay, and more. Technically proficient with industry-leading tools including Accertify, LexisNexis, RMS, PIPL, Emailage, Altea, Amadeus, SQL, Python, and Tableau. Holds a Master's degree in Cyber Forensic and Information Security, providing a strong analytical and investigative foundation to complement operational expertise. A natural team leader with a track record of training junior analysts, managing stakeholder communications, and driving process improvements across fast-paced dispute operations environments.