Open to fraud investigation roles · Bengaluru

Gururaj G J

Specialising in

Fraud investigation and financial-crime professional with 6+ years across transaction-laundering detection, merchant risk, payment fraud, AML/KYC and trust & safety — and the engineer behind an open-source fraud-intelligence toolset.

Explore Projects Download Resume LinkedIn
6+
Years in fraud & risk
9
Payment networks investigated
11
Open-source repositories
34
Fraud signals engineered
2
Decision engines built
01 — About

An investigator who also builds the tooling

Six years in fraud, risk and financial crime; the systems to match.

I investigate fraud — and I build the explainable tooling that helps investigations scale. My core experience comes from G2 Risk Solutions (Fintellix), where I ran multi-layered transaction-laundering and prohibited-merchant investigations across nine payment networks.

Before that I investigated cloud-account fraud at Amazon Web Services, ran regulatory-compliance and sanctions/PEP screening reviews for Google's digital payments at Accenture, and handled buyer-side payment fraud at Flipkart.

Every component I build is designed to be transparent, auditable and explainable, with the evidence behind each decision shown to the investigator.

Currently focused on

Fraud InvestigationTransaction LaunderingMerchant Risk AML / KYCTrust & Safety

Availability

  • Available immediately
  • Bengaluru · hybrid or onsite
  • Full-time
02 — Capabilities

Core skills & expertise

Grouped by discipline, so it is easy to scan.

◈

Fraud & Merchant Risk

  • Transaction laundering detection
  • Prohibited-merchant investigations
  • Merchant due diligence
  • Card-scheme compliance — Visa, Mastercard, Amex, Discover, JCB, PayPal
  • Chargebacks & dispute resolution
  • Payment fraud — cards, UPI, wallets, gift cards
◈

AML / Financial Crime

  • AML investigation
  • KYC · CDD · EDD
  • Sanctions & PEP screening
  • Watchlist screening
  • Suspicious activity investigation
  • Alert review & disposition
◈

Trust & Safety

  • Account takeover (ATO)
  • Identity fraud
  • Account & marketplace integrity
  • Buyer-side fraud
  • Abuse detection
  • Policy enforcement
◈

Fraud Intelligence Engineering

  • Deterministic signal design
  • Explainable decision engines
  • Investigation canvases
  • Device-risk signals
  • AI-assisted investigation workflows
  • OSINT & evidence handling
◈

Technical

  • Python · SQL · JavaScript · Kotlin
  • FastAPI · REST APIs · SQLite
  • Advanced Excel · SharePoint
  • Git & GitHub
  • UPI / IMPS / NEFT · NPCI & RBI guidelines
03 — Track record

Professional experience

Six years across fraud, risk and financial crime.

Senior Analyst — Transaction Laundering Detection | Merchant Risk

Feb 2024 – Aug 2025
G2 Risk Solutions (Fintellix India Private Limited) · Bengaluru
  • Conducted multi-layered transaction-laundering and prohibited-merchant investigations across Visa, Mastercard, Amex, Discover, JCB, PayPal, Zelle, MoneyGram and SumUp acceptance channels.
  • Produced investigation reports and evidence packages — website intelligence, checkout-flow mapping, billing-descriptor analysis, URL and screenshot evidence — supporting escalation and enforcement actions.
  • Documented sophisticated laundering techniques: descriptor mismatches, hidden payment pages, redirected multi-hop checkout flows, layered payment routing and merchant identity concealment.
  • Designed a centralized SharePoint knowledge hub adopted across India, US and EU investigation teams, consolidating SOPs, playbooks and merchant-category guidance.
  • Developed AI-assisted investigation workflows that reduced merchant website assessment time while improving consistency and evidence quality.
Transaction LaunderingMerchant RiskCard SchemesSharePointOSINT

Risk Specialist I — AWS Fraud Investigations

Aug 2022 – May 2023
Amazon Development Centre (India) Private Limited · Bengaluru · promoted from Sr. Investigation Specialist
  • Investigated AWS cloud-account fraud including proxy abuse, synthetic identities and cross-border anomalies affecting free-tier and paid-service abuse.
  • Identified patterns across multi-account fraud rings operating across jurisdictions, applying escalation protocols across account takeover, card testing and cloud resource abuse.
  • Promoted from Sr. Investigation Specialist to Risk Specialist I within four months of joining, for investigation quality and consistent performance.
Account TakeoverFraud RingsRisk ScoringCase Management

Senior Process Associate — Regulatory Compliance (Google Operations)

Mar 2021 – Aug 2022
Accenture Solutions Private Limited · Bengaluru
  • Conducted regulatory-compliance reviews and policy enforcement for digital payment transactions, account activity and gift-card / EGV patterns — including sanctions and PEP screening.
  • Investigated gift-card fraud and money-laundering patterns, resale networks and cross-border abuse.
  • Built a knowledge hub consolidating SOPs, tools and escalation links, and designed dashboards tracking team productivity and investigation metrics.
Sanctions & PEPGift CardsRegulatory ComplianceDashboards

Executive — Fraud Investigation | Payment Risk

Aug 2018 – Mar 2021
Flipkart Internet Private Limited (via TeamLease Services Limited) · Bengaluru
  • Buyer-side fraud detection across debit/credit cards, UPI, net banking, gift cards and chargeback-related activity in a large-scale e-commerce environment.
  • Cancelled fraudulent orders pre-delivery, preventing financial losses across card, UPI and wallet payment methods.
  • Coordinated with banks, cybercrime teams and law enforcement on escalations.
Payment FraudChargebacksUPIEscalations

Customer Success Manager

Aug 2026 – Oct 2026
Onsurity Technologies Private Limited · Bengaluru
  • Short-term operational role in an employee-health-benefits (InsurTech) company, covering customer-success and service-operations across inbound, outbound, email, chat and ticketing channels.
  • Left to return to fraud investigation and financial-crime work — my chosen career focus.
04 — Build

Projects

Open-source fraud-intelligence tooling — decision engines, investigation tools and device risk.

DecisioningPython · FastAPI

Deterministic Fraud Signal Engine

Explainable fraud decisioning across 34 signals in seven categories and seven rule packs. Returns ALLOW / REVIEW / BLOCK with the triggered signals, evidence and an investigator narrative.

Repository
InvestigationGraph analysis

Fraud Investigation Canvas

Browser-based investigator console with an interactive entity-relationship graph, multi-ring detection, entity resolution and a SHA-256 evidence locker with an append-only audit trail.

Repository
DecisioningAI governance

AI Agent Risk Evaluation Suite

A 20-signal deterministic engine scoring fraud, delegation and liability risk in autonomous AI agents, across identity, behavioural, coordination and financial risk.

Repository
IntelligenceKotlin · Android

Android Device Risk SDK

Kotlin/Gradle SDK implementing nine device-risk signals with a FastAPI backend, built for KYC and loan-disbursal risk checks at lenders and BNPL providers.

Repository
InvestigationATO

ATO Investigation Standard

A structured account-takeover investigation methodology that reconstructs the full attack chain from signals through to monetisation, with explainable playbooks.

Repository
OperationsControls

Emergency Outflow Lock

A decision layer defining when to lock outflows on a compromised account, what to restrict and why — with a full audit lifecycle.

Repository
OperationsAnalytics

Fraud Analytics Dashboard

Operational monitoring interface for fraud losses, detection rates, alert queues and case investigation workflows.

Repository
IntelligenceRegTech

Regulator Intelligence Library

Multi-jurisdiction regulatory change tracking with priority scoring, rollout phases and client applicability mapping.

Repository
DecisioningRisk architecture

ZIC Decision Engine

A deterministic risk-decision engine for structured, explainable decisioning with transparent governance and scoring.

Repository
05 — Evidence

Real-world case studies & publications

Investigations and write-ups.

Loan App Malware Investigation

A 9-day incident response and Android forensics teardown of a predatory loan app — permissions abuse, data-exfiltration pathways and harassment-enabling behaviour, with indicator-of-compromise mapping and forensic evidence packaging.

Android ForensicsADBIncident Response
Case study

Fraud Signal Library

A structured reference library of fraud-detection signals — device, network, behavioural and transaction indicators used in fraud intelligence and risk architecture.

Signal taxonomyRisk architecture
Repository

Payment Fraud Analytics

A Hugo-powered site on payment fraud analytics, risk strategies and AI-driven prevention — a knowledge hub for fraud-detection dashboards and case studies.

Payment fraudAnalyticsHugo
Repository

Cancer Survival Prediction Companion

Applied ML and explainable-AI research translating fraud-investigation analytical methods into a clinical decision-support context — interpretability and responsible AI over black-box prediction.

Explainable AIMachine learningResearch
Repository
06 — Foundation

Education & certifications

Background and training.

Education

Master of Business Administration (MBA) Marketing & Human Resources Presidency College (NAAC A+), Bangalore University · 2015–2017

Certifications & training

  • PCI DSS Awareness
  • Regulatory Compliance
  • Financial Crime Prevention
  • Cybercrime Investigation
07 — Contact

Get in touch

Open to fraud investigation, AML/KYC, merchant-risk and trust & safety roles in Bengaluru.

Gururaj G J

Gururaj G J

Fraud Investigation · Transaction Laundering · Merchant Risk · AML/CFT · Trust & Safety

Bengaluru, India · Available immediately. Fraud investigation and financial-crime professional who also builds explainable, open-source fraud-intelligence tooling.

Email me LinkedIn GitHub Resume