The author is General Manager, Fraud Risk Management Division at WorldLine. He has 20 years of experience in the field of banking and payments. Prior to Worldline, he has worked for NeoGrowth Credit Pvt. Ltd, Axis Bank and HSBC India. He has been an active member of the India Payment Risk Council. He was also a speaker at the Operational Risk Summit 2018, the India Infosec Summit and the Payments & Cards Summit.