Karishma Tomar

About Karishma Tomar

Results-driven professional with 8+ years of experience in risk management, fraud analysis, customer operations, and quality assurance across gaming, food-tech, e-commerce, and fashion domains. Proven expertise in fraud detection, transaction risk management, customer escalations, and process improvements. Skilled in handling VIP clients, ensuring regulatory compliance, and collaborating with cross-functional teams to enhance service delivery. Holds an MBA in Finance with strong analytical, problem-solving, and interpersonal skills. Specialist in payment gateway management, fraud prevention, and KYC operations with a proven record of optimizing payouts, reducing financial risk, and driving secure, scalable solutions through cross-functional collaboration.

Experience

1. Fraud Analyst Risk & Transactions

   Junglee Games

   Sep 2020 — Present · Gurugram, IN

   Processed client transactions efficiently and ensured rapid payouts while maintaining SOP compliance.• Investigated and resolved cybercrime and chargeback cases ensuring minimal financial loss, and adherence to regulatory requirements. • Conducted fraud analysis by monitoring user game logs, deposits and withdrawal patterns, reducing false positives, and mitigating financial risk. • Supported user verification (KYC) and onboarding processes ensuring compliance with AML, and internal risk policies. • Achieved low turnaround times and maintained compliance with both internal and external standards. • Performed end-to-end transaction monitoring to detect, analyse and report suspicious or high-risk activities. • Managed and interpreted large-scale datasets to identify fraud patterns, behavioural anomalies, and emerging risk trends. • Collaborated with cross-functional teams to strengthen fraud prevention strategies, and enhance risk controls. • Optimised high-volume transaction workflows by leveraging Salesforce for query resolution and fraud account management implementing process improvements, and driving cross-functional initiatives to enhance operational efficiency, compliance and security. • Managed end-to-end payments operations, including failed transaction investigations (invalid IFSC/UPI/NEFT), reconciliation and bulk payout processing across gaming products such as Howzat, Rummy, Poker, and Ludo, ensuring seamless and accurate financial settlements.

Education

• Symbiosis Centre for Distance Learning

  Master of Business Administration - MBA, Human Resources Management and Services

  2016 — 2018

• ITM UNIVERSITY, GWALIOR

  Bachelor of Commerce - Bcom Hons

  2012 — 2015

• Modern Group of Schools, Jhansi

  Commerce