Pratik Bhagwat
ChargeBack Analyst
Mumbai
Summary
Experienced banking professional with 9+ years in consumer banking and small business lending. Proficient in diverse banking and investment products, loan processing, and quality assurance. Skilled Chargeback Analyst overseeing dispute and fraud case processing with attention to detail.
Overview
11
11
years of professional experience
4021
4021
years of post-secondary education
3
3
Languages
Work History
Chargeback Analyst Team Developer
Bank of America
06.2022 - Current
- Handed all aspects of the dispute /Chargeback process in compliance with Visa/Mastercard/Amex/Discover, Reg E and/or Reg Z guiltiness, and other applicable federal and state rules and regulation.
- Monitored Dispute/Chargeback levels and provided proactive notification to wider Risk Team, merchants and partners.
- Recommended viable solution/action based on compliance and regulatory facets of money movement (Card scheme rules, Chargeback rules, applicable banking regulation, etc.)
- Provided Subject matter expertise to identify and define business needs and requirements to support the development and implementation of operation/technical solutions in support of Dispute Chargeback Rules.
- Provided consulting and guidance to internal and external partners on the interpretation and application of Dispute chargeback rules.
- Analyzed dispute cases, drew accurate based on finding, and clearly summarized complex results.
- Handle and resolve cardholder and financial institution new cases, request and escalations.
- Experience in TSYS, Transact and Lexis Nexis.
- Responded to fraud alert, chargebacks and disputes.
Small Business loan underwriter Team Developer
Bank of America
01.2020 - 06.2022
- Reviewed, processed, closed and administered small business loan applicat6ion under the CARES Act Paycheck Protection Program.
- Recommended loan approval and denials based on customer loan application reviews to the Small Business Administration.
- Successfully closed an average of 10 loans per day, reviewing over 150 financial documents.
- Performed Quality Assurance on the High Side Variance Team.
- Ensured Project completed on time.
- Document consist of Tax 1065, Tax1120S for review.
- Reviewed and validate details of loan application and closing documentation.
Mortgage Underwriter Senior Team Member
Bank of America
08.2016 - 01.2020
- Analyzed loan documents which include income, assets, credit, collateral, purchase contracts title, and other documentation.
- Performed underwriting decesion based on income (W2 wages, self-employed, sole proprietor, partnership, S-Corp, Corporation, non-taxable income), assets, credits collateral, title and risk.
- Underwriting loan products/programs that require mortgage insurance.
- Reviewed ordered mortgagee insurance, homeowners insurance, flood insurance, flood certifications, and other documentation related to each loan.
- Reviewed interest rates and interest rate looks.
- Discuss loan condition and decision with processors and or sales Team.
- Approved or reject residential loans within limited authority.
- Consult with the closing departments to ensure that all underwriting condition are met prior to closing the loan.
- Oversee loan applications, and provide approvals with specified time limits.
Operations Officer
Integreon Managed Solution
10.2014 - 08.2016
- Worked with various international clients on different legal/research projects.
- Understand the Standard operating producers to delivery exactly as per client requirement.
- Worked on various legal projects like Litigation and contract abstraction.
Education
BMS Bachelor of Management Studies - Finance
St. Francis High School
Mumbai, MHSSC -
St. Francis High School
HSC - undefined
Maharashtra Board
BMS - undefined
Maharashtra Board
Skills
Loan application management
Banking operations knowledge
Reliable and diligent approach to work
Credit risk assessment
Skilled in MS Office tools
Chargeback resolution
Interests
Travelling
Food
Driving
Timeline
Chargeback Analyst Team Developer
Bank of America
06.2022 - Current
Small Business loan underwriter Team Developer
Bank of America
01.2020 - 06.2022
Mortgage Underwriter Senior Team Member
Bank of America
08.2016 - 01.2020
Operations Officer
Integreon Managed Solution
10.2014 - 08.2016
HSC - undefined
Maharashtra Board
BMS - undefined
Maharashtra Board
BMS Bachelor of Management Studies - Finance
St. Francis High School
SSC -
St. Francis High School