Amer Iqbal
Fraud and Risk Analyst (KYC)
Shah Alam
Summary
Fraud and Risk Analyst with experience in KYC, transaction monitoring, and content moderation. Proven ability to identify fraudulent activities, analyze risk patterns, and ensure compliance with regulatory standards. Adept at leveraging data insights to enhance fraud detection strategies while maintaining high accuracy in policy enforcement. Strong background in teamwork, leadership, and problem-solving, with a Bachelor's degree in International Business from MSU.
Overview
6
6
years of professional experience
1
1
Certification
2
2
Languages
Work History
Fraud and Risk Analyst (KYC)
TDCX
05.2024 - Current
- Conducted KYC and Enhanced Due Diligence (EDD) for new and existing Stripe users—ranging from startups to global enterprises—to ensure compliance with global AML, CTF, and sanctions regulations.
- Reviewed business and individual onboarding applications by verifying legal entity structures, beneficial ownership, incorporation documents, and identity information using Stripe’s internal KYC platform.
- Analyzed financial activity, payment patterns, and historical data to assess fraud risk, detect anomalies, and identify synthetic identities, mule accounts, and high-risk merchant behavior.
- Leveraged internal tools and external vendors (e.g., World-Check, LexisNexis, Jumio, Onfido, Google, sanctions/PEP lists) to screen users and escalate hits involving adverse media or regulatory exposure.
- Investigated suspicious account behavior—such as sudden transaction spikes, mismatched IP/geolocation data, and abnormal payment flows—and escalated cases to Stripe’s Compliance or Financial Crimes teams.
- Flagged and helped mitigate high-risk verticals (e.g., dropshipping, fake tech support, romance scams) using a risk-scoring engine and real-time alert systems.
- Collaborated with cross-functional teams including Risk Engineering, User Operations, Compliance, and Product to improve fraud signals, onboarding workflows, and detection models.
- Authored detailed investigative notes and case documentation to support internal audit readiness, regulatory exams, and SAR filing workflows.
- Participated in the design and iteration of Stripe’s scalable onboarding processes, including automation of document verification, business model classification, and risk scoring logic.
- Maintained deep familiarity with evolving global regulatory frameworks (e.g., BSA/AML, FinCEN, FATF, GDPR, OFAC, MAS, FCA) relevant to Stripe’s global user base and financial services offerings.
Content Moderator (Youtube)
Concentrix
11.2021 - 04.2024
- Reviewed flagged user-generated content (UGC) including videos, thumbnails, titles, comments, and metadata for explicit, adult, and sexually suggestive material in accordance with YouTube’s Community Guidelines, advertiser policies, and platform standards.
- Accurately applied YouTube’s Nudity and Sexual Content policies to determine content eligibility for removal, age restriction, monetization, or limited visibility.
- Identified and tagged severe violations, including child sexual abuse material (CSAM), non-consensual imagery, or content promoting sexual exploitation, to the appropriate internal teams and law enforcement channels when necessary.
- Conducted in-depth contextual reviews of borderline content (e.g., educational, artistic, or documentary content with nudity) to ensure fair moderation decisions aligned with YouTube’s policy exceptions.
- Supported content labeling for YouTube’s machine learning models by tagging adult or borderline content to enhance algorithmic accuracy for detection and recommendation systems.
- Collaborated with policy, trust & safety, and legal teams to clarify ambiguous cases and contribute to policy updates, including edge-case documentation and regional sensitivity considerations.
- Participated in regular calibration sessions, quality audits, and feedback loops to maintain high accuracy standards and policy consistency across the moderation team.
- Managed emotional resilience while reviewing potentially graphic, disturbing, or explicit material; engaged in wellness initiatives and used company-provided mental health resources to sustain long-term effectiveness.
Senior Content Moderator
BIGO
07.2020 - 10.2021
- Moderated high volumes of live and recorded content across BIGO LIVE platforms to enforce community standards and local regulations.
- Handled escalations involving sensitive or high-risk material (e.g., nudity, violence, harassment, misinformation, CSAM).
- Led a team of junior moderators, providing real-time coaching, training, and performance evaluations to ensure accurate and consistent decision-making.
- Flagged and documented emerging content trends and potential threats to assist the policy and safety teams in updating platform guidelines.
- Conducted QA reviews of moderation decisions to uphold accuracy benchmarks and regulatory compliance.
- Used BIGO’s proprietary tools and third-party systems for workflow tracking, case management, and policy reporting.
- Collaborated cross-functionally with Trust & Safety, Data Analytics, and Product teams to enhance content detection workflows and escalation protocols.
- Ensured moderation practices aligned with regional cultural sensitivities and legal frameworks across diverse user bases.
Customer Service Executive
StarTek (Starhub)
04.2019 - 06.2020
- Enhanced customer satisfaction by promptly addressing inquiries and resolving issues.
- Managed high volume of inbound calls while maintaining a professional demeanor and ensuring timely resolution of issues.
- Described product and service details to customers to provide information on benefits and advantages.
- Reduced average call time through efficient problem-solving skills without sacrificing quality of service provided.
- Escalated critical customer issues to supervisor to avoid lost revenue and canceled policies.
- Cross-trained for customer billing enquiry.
- Investigated discrepancies related to installation charges, plan upgrades, early termination fees, and usage overages by analyzing customer accounts and billing history.
- Explained monthly statements, prorated charges, bundled services, and one-time fees clearly and accurately to improve customer understanding and satisfaction.
- Processed billing adjustments, credits, refunds, and payment reversals in accordance with internal policies and regulatory guidelines.
- Assisted customers with billing-related tasks such as setting up direct debit, changing bill cycles, updating payment methods, and requesting itemized statements.
- Collaborated with provisioning, technical support, and field service teams to resolve billing issues linked to delayed activations, missed installations, or service outages.
- Delivered high-quality, empathetic customer service in a fast-paced environment, maintaining KPIs related to first-call resolution, average handling time, and customer satisfaction scores.
Education
Bachelor's degree - International Business
Management & Science University
Shah Alam, Selangor 03.2016 - 02.2019
GED -
Management & Science University
Shah Alam, Selangor, Malaysia 04.2001 -
Skills
Fraud detection
Investigation techniques
Problem-solving
Time management
Critical thinking
Interpersonal skills
Risk assessment
Team building
Decision-making
Account information review
Risk level determination
Trend analysis
Certification
Know Your Customer & Customer Due Diligence Training
Timeline
Know Your Customer & Customer Due Diligence Training
07-2025
Fraud and Risk Analyst (KYC)
TDCX
05.2024 - Current
Content Moderator (Youtube)
Concentrix
11.2021 - 04.2024
Senior Content Moderator
BIGO
07.2020 - 10.2021
Customer Service Executive
StarTek (Starhub)
04.2019 - 06.2020
Bachelor's degree - International Business
Management & Science University
03.2016 - 02.2019
GED -
Management & Science University
04.2001 -