AI-Driven Fraud Detection in Indian Banking

Q1. Could you start by giving us a brief overview of your professional background, particularly focusing on your expertise in the industry?

I've spent close to 15 years working at the intersection of technology and financial services, beginning my career in software engineering at Computer Sciences Corporation before transitioning into banking. Today I serve as Chief Manager in the Fraud Risk Management Department at Bank of Baroda, where I lead our Enterprise Fraud Risk Management System covering more than 20 digital and payment channels — cards, UPI, internet banking, mobile, IMPS, AEPS, and others.

My work sits at the convergence of three areas: fraud risk operations, AI/ML governance, and digital payments regulation in India. I'm an ISO/IEC 42001 Lead Implementer (AI Management Systems),ISO 22301 Lead Implementer (Business Continuity), and an IBM-certified Qiskit developer with a focus on quantum-safe cryptography for payments, and I hold certifications in risk and cybersecurity from CISI and Google. I also serve as a single point of contact for several industry initiatives, including the Digital Payments Intelligence Platform (RBIH), NPCI's federated AI program, and the I4C / CFCFRMS ecosystem for cybercrime coordination.

Beyond the day job, I write and consult on financial crime, AI governance in…