Pooja N.

Application Fraud Associate @Starling

GB

Fraud Detection and Analysis: Conducting in-depth reviews and assessments of new customer account applications and alerts using internal systems to identify potential identity and application fraud (synthetic, stolen, or manipulated identities). Analysing financial crime trends through data analysis and reported findings to leadership- Manual Verification and Third-Party Tool Utilisation: Performing thorough manual reviews of flagged applications and supporting documents (e.g, ID, proof of address, selfies). Utilising third-party tools such as CIFAS, Equip, and SIRA to verify customer information, detect potential fraud, and support KYC/onboarding processes- Risk-Based Decision Making and Escalation: Making informed, risk-based decisions on application outcomes (approve, decline, escalate, refer). Escalating confirmed fraud and suspicious cases to relevant internal teams (e.g, Fraud Investigations, AML, CFT, Complaints) and external bodies (CIFAS, NCA (SARS), law enforcement) as appropriate. Identifying and escalating vulnerabilities or safeguarding concerns- Communication and Collaboration: Communicating clearly and empathetically with customers during verification or fraud reviews (in-app, email). Liaising with stakeholders, including other banks and authorities, to gather information and resolve fraud cases. Collaborating effectively with colleagues and other departments to progress cases and maintain SLA performance- Operational Excellence and Continuous Learning: Maintaining high levels of accuracy and quality in investigations to ensure positive outcomes for the bank and customers. Working diligently under pressure, meeting deadlines and supporting colleagues to optimise workload and maintain efficiency. Actively participating in team meetings, training, and quality reviews, and staying updated on emerging fraud trends and internal policy changes.

University of Southampton

MSc, Risk Management

National Institute of Technology Warangal

Bachelor of Technology - BTech, Biotechnology