Fraud Control, Trust & Scaling in Fintech

Q1. You’ve worked across merchant-acquiring fraud and trust functions for several fintechs — could you give a brief introduction to your roles and core responsibilities?

I have worked with national public sector banks, fintechs, and RBI-authorised payment aggregators, with responsibilities spanning enterprise risk management, regulatory and statutory compliance, internal policy formulation, and coordination with government ministries, regulatory bodies, and law enforcement agencies. I have also conducted cyber fraud investigation workshops for senior law enforcement officials and co-authored fraud intelligence reports published by government officials.

Over the years, I have witnessed the rapid evolution of fraud; from the era dominated by POS devices to today’s environment where AI-driven systems play a critical role in decision-making. This transformation demands that risk management frameworks operate with significantly greater rigor, precision, and adaptability

Q2. Synthetic identity and orchestration bot attacks are increasing — what tooling and telemetry do you prioritize to detect synthetic IDs early in onboarding?

Technology has introduced new fraud vectors for financial institutions such as payment aggregators, banks, and NBFCs, including synthetic identities, AI-generated KYC imagery, and brute-force bot attacks using stolen card data from the dark web. Detecting synthetic and orchestrated identity fraud early requires a layered, telemetry-driven approach that…