Kartik Gupta
Senior Analyst Transaction Services (Payments, Risk & Disputes) @NatWest Group
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WORK HISTORY
Senior Analyst Transaction Services (Payments, Risk & Disputes) @NatWest Group
Manage end-to-end payment lifecycle, including Direct Debits, transfers, and disputes (DDIC), ensuring SLA adherence and regulatory compliancePerform transaction monitoring and investigation, identifying discrepancies, failed payments, and potential fraud risksHandle high-volume operations query mailbox, resolving complex customer and stakeholder issues within defined turnaround timesExecute root cause analysis (RCA) and drive process improvements to enhance efficiency and reduce operational errorsCollaborate with fraud, compliance, and settlements teams to mitigate risk and ensure seamless processingSupport audit readiness, data integrity, and control framework adherenceMentor junior analysts and contribute to knowledge sharing and process standardizationKey Achievements:Reduced fraudulent/ineligible DDIC claims by ~90–100% by implementing pre-validation controlsDecreased duplicate claims by ~80% through centralized tracking and process improvementsImproved processing efficiency and turnaround time (~15–20%)
EDUCATION
Guru Gobind Singh Indraprastha University
B.com Honors, Accounting and Finance
Rainbow English School
12th, Commerce
ABOUT KARTIK GUPTA
I am a results-driven Senior Analyst with 4+ years of experience in Payments Operations, Fraud Prevention, and Risk Management within Commercial & Institutional Banking at NatWest. I specialize in transaction processing, dispute resolution (DDIC), and operational risk control frameworks, with a strong focus on accuracy, compliance, and efficiency. In my current role, I manage end-to-end payment and dispute workflows, including Direct Debits, indemnity claims, and notice account transactions, ensuring adherence to Bacs regulations, SLAs, and audit standards. I have hands-on experience in investigating transaction discrepancies, resolving complex customer issues, and collaborating with cross-functional teams (fraud, compliance, settlements). I have led multiple process improvement initiatives, including: Reducing fraudulent/ineligible claims by ~90–100% through enhanced validation controls Eliminating duplicate claims (~80% reduction) by implementing centralized tracking systems Improving operational efficiency and turnaround time through workflow optimization I am actively building expertise in SQL, data analytics, and dashboarding (Power BI) to drive data-driven decision-making in payments and risk functions. Core Areas: Payments Operations | Fraud & Disputes | Risk & Compliance | Data Analysis | Process Improvement Tools: Excel (Advanced), SQL, Power BI, CRM Systems I am open to opportunities in Fintech, Payments, Fraud Risk, and Operations Analytics, where I can contribute to scalable, secure, and efficient financial systems.
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