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Dicorm helps businesses understand risks and to use them as catalysts to drive change and gain a competitive edge.

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In this age of uncertainty, businesses find themselves being forced to operate between two equally important forces. On one hand, chargeback thresholds have recently been decreased resulting in merchants being forcibly enrolled in monitoring programs that are costing them a minimum of $14,000 USD a month. On the other hand, fraudsters are braver and more sophisticated than ever before and are using synthetic fraud techniques to deceive businesses out of millions of dollars. Without the proper knowledge, experience, and systems, these forces can stunt the growth of your business and have a negative impact on your profitability and reputation.

On the compliance front, the landscape has been changing rapidly since the end of the global financial crisis in 2008. With new regulations being rolled out constantly in addition to the complexity of operating across multiple jurisdictions, businesses have begun leveraging next-generation technology in order to keep up. However, this has not come without its own set of challenges including contending with even more regulations specifically written for these new technologies. Within this ever-evolving framework of compliance responsibilities, non-compliance fines have surged into the billions of US dollars annually, with reports indicating the bulk of these fines were due to institutions (both large and small) falling short of sanctions, counterproliferation, and AML obligations. ‘Getting it right’ has never been more important. 

The digital revolution has made new product and strategy rollouts more visible than ever before. The ability of an announcement to "go viral" means that a single mistake can overwhelm a strategy and all its contingencies faster than most businesses can react. Deviation from the original intention, scope creeps, or the slashing of development timeframes, can result in an implemented strategy becoming unfit for purpose. A second pair of eyes can objectively validate your strategy and ensure that it is fit for purpose.

Dicorm will help you stay ahead of the curve, and minimize the impact that these forces have on your business by empowering you to establish the right systems, processes, and policies to take your business forward. 

What Can We Do For You?

COMPLIANCE
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COMPLIANCE

  • Money Laundering Prevention

  • Terrorist Financing 

  • Internal Conduct Risk 

  • Business Continuity Planning

  • Privacy & Information Security

STARTUP SUITE

STARTUP SUITE

  • New Process Engineering

  • Tool and Vendor Selection

  • Non face-to-face eKYC

  • Enhanced Due Diligence

  • Sanction & AML

  • Fraud Investigation & Rules

  • Risk Appetite Definition

  • Chargeback Preparedness

VALIDATION
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VALIDATION

  • SOP Healthcheck

  • Adherence Testing & QA testing

  • Process Gap Analysis

  • Enhancement Options

  • False Positive Mitigation

RISK MANAGEMENT
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RISK MANAGEMENT

  • Evolution of Fraud

  • Levels of Fraud

  • Fraud Methodologies

  • Future of Fraud

  • Fraud Prevention & Investigation

  • Enterprise Risk Management

LEADERSHIP
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LEADERSHIP

  • SOP Healthcheck

  • Adherence Testing & QA testing

  • Process Gap Analysis

  • Enhancement Options

  • False Positive Mitigation

TESTING
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TESTING

  • Data Simulation

  • Transaction Simulation

  • Results Analysis

Meet Our Team

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ASHWIN A NAZARETH

Ashwin A. Nazareth began his career as a research analyst in an ASEAN regional bank focusing on commercial lending risk for agribusiness and primary commodities. He then moved on to join Malaysia's capital market regulator focusing on macroeconomic and market risk within equities, bonds, and primary commodities. He spent the next several years in both new startup and multinational fintech companies leading teams in the areas of merchant services, dispute operations, customer and merchant onboarding.

 

He is well versed in the areas of:

  • Card scheme disputes and chargebacks

  • Card scheme compliance and reporting

  • Regulatory compliance and reporting

  • Customer Due Diligence & electronic-KYC

  • Operations setup and team formation

  • Credit risk management

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Just like how Dicorm aims to power your company's growth, our growth is powered by our teammates. We share a common vision, of leading the digital revolution. As such, we are the harshest critics of ourselves and yet the loudest supporters of each other, making Dicorm greater than the sum of its parts. 

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NAVVIR S PASRICHA

Navvir S. Pasricha began his career as an underwriter in a local Malaysian insurance company focusing on special project risk in the construction industry. He completed his MBA and soon after joined a multinational fintech company setting up three teams and leading many more in the areas of monitoring, fraud identification, mitigation, large merchant protection, merchant onboarding, and fraud prevention. He then joined a regional startup fintech focussed on transactional risk. 

He is well versed in the areas of:

  • Risk rule writing and engines

  • Card association rules and thresholds

  • Merchant monitoring and onboarding

  • Large merchant risk analysis

  • Operational Efficiency 

  • Team Leading and Motivating

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