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Ronza El samad, Chargeback Analyst

Ronza El samad

Chargeback Analyst·Al Rajhi Bank (via TCS)

Saudi Arabia

Bachelor's degree, Banking

Work experience

Total years of experience: 15 years, 3 months

Chargeback Analyst

January 2025 - Present

Al Rajhi Bank (via TCS)

Riyadh, Saudi Arabia

January 2025 - Present

Manage 100+ daily credit and debit card disputes, consistently meeting visa SLA and regulatory timelines with high accuracy,
achieved strong recovery and win rates through correct reason codes, compelling evidence, and effective representment strategies.
streamlined dispute workflows, reduced backlog, collaborated with fraud, risk, and card scheme teams to resolve complex
chargebacks, identified recurring dispute trends for fraud prevention, and maintained zero audit observation through strict compliance
Company industry:
Banking
Job role:
Accounting and Auditing

Chargeback

April 2019 - Present

Tata Consultancy Services

Riyadh, Saudi Arabia

April 2019 - Present

Company industry:
Business Consultancy Services
Job role:
Consulting

Senior Operations Analyst

April 2019 - Present

TATA Consultancy Services (TCS)

Riyadh, Saudi Arabia

April 2019 - Present

Rich experience across banking operations, chargebacks, disputes, fraud, and accounting.
Manage major clients including Al Rajhi Bank, Neoleap, Saudi Customs, and General Electric through TCSs rotational delivery model.
Strong expertise in chargeback lifecycle management, Visa reason codes, fraud trend analysis, audit compliance, and MIS reporting.
Company industry:
IT Services
Job role:
Accounting and Auditing

Operations Analyst

September 2021 - January 2025

Neoleap (Fintech) (via TCS)

Riyadh, Saudi Arabia

September 2021 - January 2025

Managed high volume digital wallet disputes, billing and remittance complaints with 100% SLA/TAT compliance, improving turnaround
time and customer satisfaction while supporting fraud investigation through early identification of suspicious transaction.
prepared MIS and KPI reports, mentored new joiners to improve productivity, and managed escalations with strong ownership across
stakeholders.
Company industry:
Financial Services
Job role:
Accounting and Auditing

Claims Analyst

March 2021 - September 2021

Saudi Customs (via TCS)

Riyadh, Saudi Arabia

March 2021 - September 2021

Reviewed customs refund and exclusion claims and coordinated approvals with the Ministry of Finance.
Company industry:
Financial Auditing
Job role:
Accounting and Auditing

Accounting Team Member

April 2019 - March 2021

General Electric Project (via TCS)

Riyadh, Saudi Arabia

April 2019 - March 2021

Managed end-to-end employee travel and living expense processes and reimbursement claims.
Posted journal entries, validated GL postings, cleared unidentified transactions, and prepared reconciliations.
Coordinated with business units and treasury teams to resolve banking issues and support financial reporting.
Company industry:
Accounting
Job role:
Accounting and Auditing

Banking Officer

February 2015 - December 2015

BBAC BANK

Tripoli, Lebanon

February 2015 - December 2015

• Provided frontline banking services with a strong focus on customer satisfaction.
• Processed deposits, withdrawals, transfers, loan payments, and cheque cashing.
• Built long-term client relationships and promoted appropriate banking products.
Company industry:
Banking
Job role:
Banking

Banking Officer

February 2015 - December 2015

BBAC Bank

Tripoli, Lebanon

February 2015 - December 2015

Delivered frontline banking services to 50+ customers daily, processing 100+ transactions/day with 99%+ accuracy.
Built and maintained client relationships, supporting cross-selling of retail banking products.
Ensured full compliance with KYC, internal controls, and banking regulations with zero audit issues.
Company industry:
Banking
Job role:
Banking

Accountant

March 2012 - July 2014

Miramar Hotel Resort & Spa

Tripoli, Lebanon

March 2012 - July 2014

Managed AP/AR, fixed assets, accruals, and provisions, ensuring accurate monthly close and reconciliations.
Prepared journal vouchers, payments, and bank reconciliations, maintaining on-time payments and audit readiness.
Controlled petty cash and resolved financial queries related to contracts and banking.
Company industry:
Hospitality & Accomodation
Job role:
Accounting and Auditing

Accountant

January 2012 - January 2014

MIRAMAR HOTEL RESORT & SPA

Tripoli, Lebanon

January 2012 - January 2014

• Oversaw accounts payable and receivable, fixed assets, accruals, and provisions.
• Reviewed balance sheet reconciliations and approved payments and journal
vouchers.
• Managed petty cash and handled financial queries related to banking reconciliations
and contracts.
Company industry:
Hospitality & Accomodation
Job role:
Accounting and Auditing

Bank Teller

September 2007 - July 2011

Lebanese Canadian Bank (LCB)

Tripoli, Lebanon

September 2007 - July 2011

Processed high-volume daily cash transactions (100+ per day) with strong accuracy and customer focus.
Assisted customers with banking inquiries and product guidance while maintaining strict compliance standards.
Maintained zero cash discrepancies, reinforcing customer trust and operational reliability.
Company industry:
Banking
Job role:
Banking

Bank Teller

January 2007 - January 2011

LEBANESE CANADIAN BANK (LCB)

Tripoli, Lebanon

January 2007 - January 2011

• Handled daily cash operations and customer transactions.
• Responded to customer inquiries and advised on banking products and services.
• Maintained high accuracy, compliance, and
Company industry:
Banking
Job role:
Banking

Education

American University of Beirut (AUB)

August 2007

August 2007

Bachelor's degree, Banking

Lebanon

American University of Beirut (AUB)

August 2007

August 2007

Bachelor's degree, Banking &

Lebanon

American University of Beirut (AUB)

January 2007

January 2007

Bachelor's degree, Banking And Finance

Lebanon

View attachment

Skills

Accounting
Expert
Accounting
Expert
General Ledger Reconciliation
Expert
General Ledger Reconciliation
Expert
Chargebacks
Expert
Chargebacks
Expert
Bank Operations
Expert
Bank Operations
Expert
Banking
Expert
Banking
Expert
ACCOUNTING
Intermediate
ACCOUNTING
Intermediate
BANKING SERVICES
Intermediate
BANKING SERVICES
Intermediate
CHARGEBACK
Intermediate
CHARGEBACK
Intermediate
CONFLICT MANAGEMENT
Intermediate
CONFLICT MANAGEMENT
Intermediate
CUSTOMER SERVICE
Intermediate
CUSTOMER SERVICE
Intermediate
FINANCE
Intermediate
FINANCE
Intermediate
FINANCIAL AUDITING
Intermediate
FINANCIAL AUDITING
Intermediate
MANAGEMENT INFORMATION SYSTEMS
Intermediate
MANAGEMENT INFORMATION SYSTEMS
Intermediate
OPERATIONS
Intermediate
OPERATIONS
Intermediate
BANKING
Expert
BANKING
Expert

Languages

Arabic
Native Speaker
English
Expert

Hobbies

  • horseback riding
    •Best Employee award – Tata consultancy services Recognized for processing the highest volume of claims in the team while maintaining accuracy and meeting SLAs.