Shubham S.

About Shubham S.

I help card issuers, fintechs and loyalty-driven products reduce fraud, chargebacks and rewards abuse – without destroying customer experience.Over the last 4+ years, I’ve worked across mobile money fraud, airline loyalty fraud, and credit card fraud strategy. That mix taught me something most teams miss: whenever you add rewards, points, miles or cashback, you’re not just increasing engagement – you’re also inviting smarter fraud and abuse.Now I work on the strategy side:designing fraud rule frameworksimproving approval vs. decline balancereducing friendly fraud & disputestightening rewards & promo abuse controlsMy focus is especially on US market card products – issuers, fintechs, BNPL, and card-as-a-service platforms who:are seeing fraud and chargeback costs creeping up, orare launching/revamping products with aggressive rewards and want to stay safe without adding too much friction.🧩 What I bring:Credit Card Fraud Strategy (1.4+ yrs): rules, policies, CNP fraud, dispute flowsAirline Loyalty Fraud (1 yr): account takeover, points theft, agent abuse, redemption riskMobile Money Fraud (~2 yrs): real-time transaction risk, social engineering patternsData & Tools: SQL basics, Excel, fraud dashboards – enough to connect strategy with dataI care a lot about making fraud strategy understandable – not just for data teams, but for product, ops, and CX. Most of my content breaks down:fraud patterns in plain languagevisual frameworks & checklistsreal-world touchpoints where fraud actually happens If you’re building or scaling a card or loyalty product and asking questions like:“How do we reduce fraud without blocking too many good customers?”“Are we leaking rewards or cashback to fraud or abuse?”“What rules & controls should we have at minimum?”…I’d be happy to chat. Ways I can help:Card Fraud & CX Audit – review of flows, controls & customer impactFraud & Rewards Abuse Rule Review – identify gaps & quick winsStrategy Advisory – ongoing support as a fractional fraud strategy partner DM me “strategy” if you’d like a quick look at your current fraud approach or want to discuss a specific problem.

Experience

1. Senior Fraud Analyst

   Proclink

   Jan 2025 — Present · Ahmedabad, IN

   Worked on end‑to‑end credit card fraud strategy for OneMain Financial- Analyzed fraud patterns across card‑not‑present (CNP), e‑commerce, and digital channels- Helped design or tune fraud rules to reduce losses from [e.g, BIN attacks, account takeover, friendly fraud]- Partnered with operations / disputes teams to improve chargeback handling and reduce unnecessary write‑offs- Used tools like Excel, SQL and dashboards to investigate fraud trends and evaluate rule performance- Focused on balancing fraud loss reduction with customer experience, avoiding over‑blocking genuine customers.

Education

• Sam Higginbottom University of Agriculture, Technology And Sciences (SHUATS)

  Bachelor of Computer Application, Computer and Information Sciences and Support Services

  2018 — 2021