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Different types of fraud include identity theft, credit card fraud, insurance fraud, and investment fraud.
Identity theft: When someone steals personal information to commit fraud.
Credit card fraud: Unauthorized use of someone's credit card information.
Insurance fraud: Falsifying information to make false insurance claims.
Investment fraud: Deceiving investors for financial gain.
Online fraud: Fraud committed through...
A card network is a company that processes credit and debit card transactions between merchants and card issuers.
Card networks facilitate the authorization, clearing, and settlement of transactions.
They set the rules and standards for card transactions, such as security protocols and interchange fees.
Examples of card networks include Visa, Mastercard, American Express, and Discover.
Debit cards are linked to a checking account and funds are withdrawn directly, while credit cards allow you to borrow money up to a certain limit.
Debit cards are linked to a checking account, while credit cards are a form of borrowing.
Debit card transactions are deducted directly from your checking account balance, while credit card transactions are added to your credit card balance.
Debit cards do not charge inter...
A chargeback is a reversal of a transaction made by a customer, typically due to fraud or dissatisfaction.
A chargeback occurs when a customer disputes a transaction with their bank or credit card issuer.
The process involves the merchant receiving a notification of the chargeback and providing evidence to dispute it.
If the chargeback is upheld, the funds are taken back from the merchant and returned to the customer...
The dispute life cycle refers to the stages involved in handling and resolving a dispute or fraud case.
Identification of the dispute or fraud
Investigation and gathering of evidence
Resolution or decision-making
Communication with all parties involved
Closure and monitoring for potential recurrence
ACH stands for Automated Clearing House, a network that facilitates electronic money transfers between bank accounts.
ACH is commonly used for direct deposit of paychecks, bill payments, and transferring funds between accounts.
ACH transactions are processed in batches and can take 1-3 business days to complete.
Examples of ACH transactions include online bill payments, vendor payments, and transferring money between...
Dispute is initiated by the cardholder, while chargeback is initiated by the card issuer.
Dispute is when a cardholder questions a charge on their statement, while chargeback is when the card issuer reverses a transaction due to fraud or other reasons.
Disputes are resolved between the cardholder and merchant, while chargebacks involve the card issuer and merchant.
Disputes can be resolved without involving the card ...
The chargeback cycle is the process where a cardholder disputes a transaction and the funds are returned to them.
1. Cardholder notices a transaction they don't recognize on their statement
2. Cardholder contacts their bank to dispute the charge
3. Bank investigates the claim and if valid, initiates a chargeback
4. Merchant receives notification of the chargeback and can provide evidence to dispute it
5. Funds are temp...
I applied via Walk-in and was interviewed in Jul 2024. There was 1 interview round.
A chargeback is a reversal of a transaction made by a customer, typically due to fraud or dissatisfaction.
A chargeback occurs when a customer disputes a transaction with their bank or credit card issuer.
The process involves the merchant receiving a notification of the chargeback and providing evidence to dispute it.
If the chargeback is upheld, the funds are taken back from the merchant and returned to the customer.
Comm...
The dispute life cycle refers to the stages involved in handling and resolving a dispute or fraud case.
Identification of the dispute or fraud
Investigation and gathering of evidence
Resolution or decision-making
Communication with all parties involved
Closure and monitoring for potential recurrence
Different types of fraud include identity theft, credit card fraud, insurance fraud, and investment fraud.
Identity theft: When someone steals personal information to commit fraud.
Credit card fraud: Unauthorized use of someone's credit card information.
Insurance fraud: Falsifying information to make false insurance claims.
Investment fraud: Deceiving investors for financial gain.
Online fraud: Fraud committed through the ...
Debit cards are linked to a checking account and funds are withdrawn directly, while credit cards allow you to borrow money up to a certain limit.
Debit cards are linked to a checking account, while credit cards are a form of borrowing.
Debit card transactions are deducted directly from your checking account balance, while credit card transactions are added to your credit card balance.
Debit cards do not charge interest a...
Dispute is initiated by the cardholder, while chargeback is initiated by the card issuer.
Dispute is when a cardholder questions a charge on their statement, while chargeback is when the card issuer reverses a transaction due to fraud or other reasons.
Disputes are resolved between the cardholder and merchant, while chargebacks involve the card issuer and merchant.
Disputes can be resolved without involving the card issue...
The chargeback cycle is the process where a cardholder disputes a transaction and the funds are returned to them.
1. Cardholder notices a transaction they don't recognize on their statement
2. Cardholder contacts their bank to dispute the charge
3. Bank investigates the claim and if valid, initiates a chargeback
4. Merchant receives notification of the chargeback and can provide evidence to dispute it
5. Funds are temporari...
ACH stands for Automated Clearing House, a network that facilitates electronic money transfers between bank accounts.
ACH is commonly used for direct deposit of paychecks, bill payments, and transferring funds between accounts.
ACH transactions are processed in batches and can take 1-3 business days to complete.
Examples of ACH transactions include online bill payments, vendor payments, and transferring money between pers...
A card network is a company that processes credit and debit card transactions between merchants and card issuers.
Card networks facilitate the authorization, clearing, and settlement of transactions.
They set the rules and standards for card transactions, such as security protocols and interchange fees.
Examples of card networks include Visa, Mastercard, American Express, and Discover.
What people are saying about HCLTech
I applied via Job Fair and was interviewed before Feb 2021. There were 2 interview rounds.
I applied via Company Website and was interviewed before Oct 2019. There were 4 interview rounds.
I applied via Referral and was interviewed before Apr 2020. There were 5 interview rounds.
I worked on a project analyzing customer data to identify trends and improve marketing strategies.
Used data analysis techniques to identify patterns and correlations in customer behavior
Developed predictive models to forecast customer preferences and optimize marketing campaigns
Collaborated with cross-functional teams to implement data-driven strategies and measure their impact
Conducted A/B testing to evaluate the effe...
I strive for honesty, but like everyone, I may not always be 100% truthful in every situation.
Honesty is important in my work, but I recognize that context matters.
For example, I might withhold certain details to protect someone's feelings.
In data analysis, I present findings accurately, but interpretations can vary.
I believe in transparency, yet I also understand the need for discretion.
Multithreading in Java refers to the concurrent execution of two or more parts of a program for maximum utilization of CPU.
Multithreading allows multiple threads to run concurrently within a single program.
It improves the performance of the program by utilizing the CPU more efficiently.
Java provides built-in support for multithreading through the java.lang.Thread class.
Multithreading can be used for tasks such as backg...
CPU scheduling policies include FCFS, SJF, Round Robin, Priority, and Multilevel Queue. The operating system does the scheduling.
FCFS (First Come First Serve)
SJF (Shortest Job First)
Round Robin
Priority
Multilevel Queue
Operating system does scheduling
Jvm is Java Virtual Machine. It manages threads on its own.
Jvm is a virtual machine that executes Java bytecode.
It provides a runtime environment for Java programs.
Jvm manages threads on its own using its own thread scheduler.
Jvm is platform-independent and provides a layer of abstraction between the Java code and the underlying operating system.
Examples of popular JVM implementations include Oracle's HotSpot and OpenJ...
Tree traversal is a technique to visit all nodes of a tree in a specific order.
There are three types of tree traversals: inorder, preorder, and postorder.
Inorder traversal visits the left subtree, then the root, and then the right subtree.
Preorder traversal visits the root, then the left subtree, and then the right subtree.
Postorder traversal visits the left subtree, then the right subtree, and then the root.
For exampl...
ArrayList and Vector are both dynamic arrays, but Vector is synchronized and slower. Traversing a Vector is similar to an ArrayList.
ArrayList is not synchronized, while Vector is synchronized.
ArrayList is faster than Vector, but Vector is thread-safe.
To traverse a Vector, we can use a for loop or an iterator, similar to an ArrayList.
Example: Vector
TCS is a leading global IT services company with a strong reputation and diverse opportunities for growth.
TCS has a strong reputation in the IT industry
TCS offers diverse opportunities for growth and learning
TCS has a global presence and works with top clients
TCS has a strong focus on innovation and technology
TCS provides a supportive and inclusive work environment
Tata Salt is the product used in every house.
Tata Salt is a brand of salt produced by Tata Chemicals.
It is the market leader in India with a 27% market share.
Tata Salt has been fortified with iodine to help address iodine deficiency in India.
It is available in various sizes and packaging options to suit different needs.
Tata Salt has won several awards for its quality and innovation.
My hobby and passion is photography.
I love capturing moments and telling stories through my photographs.
I enjoy exploring different techniques and experimenting with composition.
Photography allows me to express my creativity and view the world from unique perspectives.
I have participated in several photography competitions and my work has been featured in local exhibitions.
Some of my favorite subjects to photograph are...
Rohit Sharma's experience and leadership skills make him an ideal captain for the Indian cricket team.
Rohit Sharma has a proven track record as captain in IPL, leading Mumbai Indians to multiple titles.
His calm demeanor under pressure helps in making strategic decisions during crucial matches.
Rohit's ability to adapt his batting style according to the situation is crucial for leading by example.
He has a good rapport wi...
A good leader possesses qualities such as strong communication skills, empathy, integrity, and the ability to inspire and motivate others.
Strong communication skills: A good leader is able to effectively convey their ideas and instructions to their team members.
Empathy: A good leader understands and considers the feelings and perspectives of their team members, fostering a positive and supportive work environment.
Integ...
Being stranded in a foreign country with no money or means to communicate
Lost my wallet with all my money and identification
Couldn't speak the local language to ask for help
Had to rely on the kindness of strangers for assistance
Yes, I am flexible with night shifts.
I have worked night shifts before and am comfortable with them.
I understand the importance of being available for work at all times.
I am willing to adjust my schedule to meet the needs of the company.
I am aware that night shifts may require a different sleep schedule and am prepared to make necessary adjustments.
I have the skills, experience, and passion to contribute to the growth and success of your company.
My extensive experience in the industry will allow me to bring new ideas and perspectives to the table.
I have a proven track record of achieving targets and exceeding expectations.
My strong communication and interpersonal skills will enable me to work effectively with colleagues and clients alike.
I am a quick learner and ...
I believe gaining practical experience is more valuable than pursuing further education at this point.
I want to focus on gaining practical experience in my field
I feel that further education may not necessarily enhance my skills or job prospects
I am satisfied with my current level of education and feel it is sufficient for my career goals
I wanted to explore new opportunities and gain exposure to different cultures.
I wanted to broaden my horizons and experience new things.
I believed that studying in a different city would provide me with more opportunities for personal and professional growth.
I wanted to meet new people and learn about different cultures.
I was excited to explore a new city and all that it had to offer.
I felt that studying in a different...
I appeared for an interview before May 2016.
Yes, I am ready to relocate for the Analyst position.
I am open to moving to a new location for the right opportunity.
I understand that relocation may be necessary for career growth.
I have previously relocated for work and have adapted well to new environments.
I am excited about the possibility of exploring a new city and experiencing different cultures.
Depreciation on intangible assets is not allowed under generally accepted accounting principles (GAAP).
Intangible assets such as patents, copyrights, and trademarks are not subject to depreciation.
Instead, they are typically amortized over their useful lives.
Amortization is the systematic allocation of the cost of an intangible asset over its estimated useful life.
The amortization expense is recorded as an operating ex...
based on 1 interview experience
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based on 2 reviews
Rating in categories
Software Engineer
24.8k
salaries
| ₹2.7 L/yr - ₹8 L/yr |
Technical Lead
22.8k
salaries
| ₹10.8 L/yr - ₹21 L/yr |
Senior Software Engineer
16.8k
salaries
| ₹5.4 L/yr - ₹15.7 L/yr |
Lead Engineer
16.4k
salaries
| ₹5.3 L/yr - ₹12.4 L/yr |
Analyst
15.8k
salaries
| ₹2.3 L/yr - ₹6.5 L/yr |
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