Fahim Habib

Seasoned Fintech Professional, Novo (Payment Processing Analyst), Ex- Deutsche Bank (Payment Processing Analyst), Ex - Revolut (Payments Specialist - SWIFT payments), Ex-Uber ( Risk, Compliance & KYC Specialist)

Role: Payment Processing Analyst at Novo
Location: Gurugram, IN
LinkedIn followers: 500 followers

OperationsView LinkedIn profile

About Fahim Habib

Payments, Risk, and Compliance professional with 4+ years of experience across ACH…

Experience

Payment Processing Analyst
Novo
Apr 2025 — Present · Gurugram, IN
ACH, Check & Wire Payment Processing – Managed day-to-day processingof ACH credits/debits, check deposits, and wire transfers, ensuring accurateand timely settlement within SLAs. Enhanced Due Diligence (EDD) – Conducted in-depth reviews on high-risktransactions and business accounts, ensuring compliance with AML/KYCframeworks. KYC Documentation Review – Verified business and individual KYCdocumentation to assess account authenticity and mitigate onboarding risks. Unauthorized Payments Handling – Investigated and resolved cases ofunauthorized or disputed payments, safeguarding clients against financiallosses. Fraud Monitoring & Transaction Decisioning – Applied fraud detectionmodels and manual intervention to approve, hold, or reject suspicioustransactions. Client Communication & Support via Zendesk– Engaged directly with clients via chat toclarify payment issues, guide them through documentation requirements, andensure smooth transaction resolution. Cross-Team Collaboration – Worked with compliance, risk, and supportteams to escalate cases and optimize transaction monitoring workflows. Regulatory & Risk Reporting – Prepared transaction summaries andescalated suspicious activity reports (SARs) for compliance review. Workflow Optimization – Recommended process improvements thatreduced manual review time by 15% and increased payment processingaccuracy. Impact:Reduced fraud exposure by proactively detecting and halting unauthorizedACH transactions.Delivered 100% SLA adherence on payment processing while maintaining U.S.regulatory compliance (OFAC, FinCEN, AML/KYC).Enhanced client satisfaction through direct chat support, improving first-contact resolution rates.Strengthened compliance posture by performing rigorous KYC & EDD checkson high-risk accounts.

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Current company

Razorpay

Software Development · 4K employees · Bangalore, Karnataka, India

Power your finance, grow your business. Razorpay is India’s first full-stack financial solutions company. We are on a mission to enhance the payment experience of over 300 million end consumers. And in doing so, we aim to enable Indian businesses - big and small - accept payments digitally with minimal effort and maximum ease. Razorpay has grown from being a payment gateway provider to a solutions-driven organization boasting of an extensive products suite to accept and disburse payments as well as raise capital and park money. In a nutshell, we fit into every nook and corner where your business touches money. #OutgrowOrdinary We identify ourselves as disruptors in the digital payments space and our vision is to power the financial ecosystem for other disruptors. Like attracts like and Razorpay actively looks to partner with established companies and startups that have either broken the glass ceiling in their industry or are set to. The Razorpay Product Suite today comprises verticals, along with Payment Gateway, like Payment Links, Payment Pages, Subscriptions, Smart Collect, Route, Razorpay Capital, RazorpayX, Payroll and Thirdwatch. Razorpay was started in 2014 by two IIT Roorkee alumni, Harshil Mathur and Shashank Kumar. Just a short few years later, Razorpay has evolved into a 800-odd strong organization with some of the best talents in the country helping some of the best companies manage their money movement seamlessly. Certified cool We are a bunch of spirited, ambitious and fun folks. And no, we’re not saying this ourselves--leading institutions have recognized Razorpay for the high trust and high-performance culture that we maintain. Our strength lies in the people we are and we go to great lengths to nurture a family of coders, designers, sellers, marketers, analysts, writers, runners, photographers, gamers, tinkerers, and above all, people who are dreamers and doers at the same time. Be a part of our exciting journey.

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