Ashwini Naik (CFE)
Dubai,UAE
Summary
Accomplished professional with over 20 years of experience in Investigations, Risk assessment, and Internal controls evaluation. Proven expertise in Project management and Team leadership, ensuring service excellence and effective risk mitigation. Skilled in staff training and mentoring, with a strong ability to manage multiple tasks efficiently. Focused on enhancing organizational efficiency through strategic risk management and operational improvements.
Overview
23
23
years of professional experience
1
1
Certification
Work history
SENIOR INVESTIGATOR - FRAUD INVESTIGATIONS
ABU DHABI COMMERCIAL BANK
Dubai, UAE
2022.08 - 2026.05
- Led complex fraud investigations for swift resolutions.
- Utilise advanced questioning techniques during interviews with suspects to gather comprehensive information and secure confessions.
- Compiled investigation reports and disseminated findings to all stakeholders, ensuring clarity on case outcomes and identified process gaps.
- Periodic Review of Product / Process policies from Fraud Risk perspective to provide feedback and recommend changes if any
- Quarterly Review presentations for Senior Management on Fraud Trends, Financial Recovery Status, Staff Action & Process changes.
- Utilised advanced database management systems to monitor and categorise suspected individuals and entities linked to fraudulent activities.
- Conducted risk assessments identifying potential areas susceptible to fraud within the organization.
- Updated case management system with precise data to ensure accurate reflection of investigation progress.
- Worked under pressure whilst maintaining attention to detail and accuracy in reporting.
- Trained junior investigators, contributing to team skill improvement.
- Demonstrated high integrity in handling sensitive information during investigations.
- Improved investigation strategies through continuous learning and professional development courses.
- Developed strong relationships within the team, fostering a collaborative working environment.
FRAUD ANAYLST / SPECIALIST - INVESTIGATIONS
ABU DHABI COMMERCIAL BANK
DUBAI, UAE
2015.04 - 2022.09
- Analysed financial transactions, identified suspicious activities.
- Drafted investigation reports, detailing findings and distributing to cross-functional teams for review.
- Led fraud vigilance and investigations for swift resolutions.
- Presented findings in senior meetings, influencing strategic decisions regarding fraud prevention measures.
- Collaborated with cross-functional teams to develop robust action plans against fraud risks.
- Implemented effective controls for reduced financial loss.
- Evaluated existing control measures, recommended necessary improvements.
CHIEF MANAGER -RISK ANALYTICS | PROJECTS | BRANCH
KOTAK MAHINDRA BANK
Mumbai, India
2008.02 - 2015.03
- Analysis of Frauds and Incidents/Unusual Events occurred daily and investigate/update the case in liaison with the Regional Risk Managers.
- To Prepare Dashboards and Presentations of Unusual events, Frauds monthly by analysing the trend to check Process gaps, enhance control and recommend changes/improvement if required to Senior Management.
- Pictorial representation of lapses resulting in frauds/financial loss to create awareness/training amongst all channels.
- Monthly testing and control check half-yearly to review process and policies and implement change where required.
- Managed risk within the branch through strict adherence to compliance regulations.
- Fostered an uplifting work environment to promote increased employee engagement and satisfaction.
- Foster strong customer relationships to enhance satisfaction and loyalty.
- Ensured Well Controlled Audit Rating with adherence to laid down processes
- Ensured Quality Customer service by Creating Customer delight and WOW experiences by Error free processing and resolution on time
- Worked as a Project trainer for the bank training existing and new recruits and was instrumental in the PAN India launch of Finacle Banking System.
- Implemented structured training programs for over 300 employees, ensuring consistent performance tracking for all trainees.
BRANCH OPERATIONS | RETAIL LIABILITIES BRANCH BANKING
ICICI BANK LIMITED
Mumbai, India
2003.02 - 2008.01
- Directed comprehensive customer service functions encompassing teller services, query desk assistance, account opening procedures, and front desk activities.
- Achieved customer satisfaction by providing exceptional banking service.
- Built strong relationships with clients to foster trust and loyalty.
- Enhanced branch's reputation by delivering superior customer service.
- Resolved customer complaints promptly, ensuring their satisfaction and retention.
- Championed various bank initiatives as a product and process leader.
- Promoted as a Branch Operations Manager from Jan'07-Jan'08 handling entire operations of the branch and managing the team.
Education
Certified Fraud Examiner - ACFE - Certified Fraud Examiner
Association of Certified Fraud Examiners, U.S.A
TexasMaster of Commerce (M.COM) - Management
University of Mumbai, India
MumbaiSkills
- Risk assessment
- Interview and interrogation techniques
- Internal controls evaluation
- Aptitude for discretion
- Project management
- Time management
- Multitasking capability
- Team leadership
- Customer service excellence
- Risk mitigation
- Staff training and mentoring
- Operations management
- Service delivery
Accomplishments
- Tamayuz Star Award - Fraud Prevention (2025)- Abu Dhabi Commercial Bank
- Tamayuz Team Award - Fraud Investigations (2024)- Abu Dhabi Commercial Bank
- Tamayuz Defender Award - Fraud Prevention (2015)- Abu Dhabi Commercial Bank
- Project Trainer Award - Finacle System Training - Kotak Mahindra Bank
- Star Awards - Branch and Service Quality Score - Kotak Mahindra Bank
- Quality Champion Award - Exceptional Customer Service - ICICI Bank
- Regional Service Excellence Awards - ICICI Bank
Certification
- Certified Fraud Examiner - (ACFE) Association of Certified Fraud Examiners
- Conducting Internal Investigations - ACFE
- Fighting Fraud in the Government - ACFE
- The Dark Web, Cryptocurrencies & Fraud - ACFE
- Management 4.0 Leadership Program - Abu Dhabi Commercial Bank
- Project Trainer for Finacle Core Banking System - Kotak Mahindra Bank
Timeline
SENIOR INVESTIGATOR - FRAUD INVESTIGATIONS
ABU DHABI COMMERCIAL BANK
2022.08 - 2026.05
FRAUD ANAYLST / SPECIALIST - INVESTIGATIONS
ABU DHABI COMMERCIAL BANK
2015.04 - 2022.09
CHIEF MANAGER -RISK ANALYTICS | PROJECTS | BRANCH
KOTAK MAHINDRA BANK
2008.02 - 2015.03
BRANCH OPERATIONS | RETAIL LIABILITIES BRANCH BANKING
ICICI BANK LIMITED
2003.02 - 2008.01
Master of Commerce (M.COM) - Management
University of Mumbai, India
Certified Fraud Examiner - ACFE - Certified Fraud Examiner
Association of Certified Fraud Examiners, U.S.A