AbdulRahman Belhaj

Managing Fraud Risk Monitoring Unit, Deploying a new Fraud Decision Engine (Clari5) by CustomerXP. Establishing required framework, scenarios, processes and the structure of the fraud risk monitoring cross all channels with in the bank

• Manage the development of the Clari5 project and liaise with vendor, IT and the business.
• Manage testing and the launch of new Fraud monitoring system.
• Analyse and then Design all required system functions and liaise with vendor
• Design a fraud management framework and consolidating all different business functions relating to fraud under one department.
• Design the scenarios/rules for the decision engine based on full analysis of customer’s profiles and behaviours, transactions/events and staff system usage.
• Review all business process and policies relating to fraud.
• Manage expectations and all reports to stakeholders and the financial crime & governance committee.
• Post production enhancement of system and optimisation of scenarios
• Design and create fraud algorithms for testing and identifying possible fraud scenarios.
• Represent the bank in fraud forums and related external functions

Achievements
• Successfully Delivered the Fraud System two months ahead of expectation.
• Optimising the current scenarios and reducing FPR by 48%.
• Engineered and implemented a full scale fraud team’s consolidation of 34 resources across the bank.
• Designed and implemented with the support of IT the Social engineering fraud scenarios (lottery and prize scams) which eliminated 83% these cases
• With grasping the knowhow and fully understanding working of the new fraud system, I have managed to optimise the benefit of the system and find various solutions reducing bank costs by over USD 120k
• Developed a full fraud Investigation tool with 6 different modules linked to bank core data, tracking suspected entities, profiling customer, indenturing and tracking suspicious trends, which considerably reducing time of investigation and saving an average of full 5 working days per month.
• Established the first bank wide consolidated fraud MIS and reports

Contracting for Lloyds TSB’s Fraud decision strategy department, focusing on Mortgage fraud’s reporting and decision engine cross all its various banking brands: Halifax, HBOS, Scottish Widows & Birmingham Midshire.
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• Create automatized MI reporting systems and monthly dashboards.
• Implement appropriate governance structure for fraud and risk decision rules.
• Run fraud task-list optimisation and detailed analysis of worked cases.
• Analyse the performance of key fraud detection systems, rules and reporting (CIFAS, FruadMark, LandMark, TAC… etc)
• Establish adequate fraud reporting standards and training.
• Review & Manage team’s Monthly BAU and reporting standard.
• Apply fraud detections standards cross all of Lloyd’s group business.
• Set the required analytics governance and strategy for investigating fraud types and systems.


Achievements:
• Successfully ran a full optimisation program involving various fraud detection systems and strategy enhancement resulting in lower FPR and reducing required FTE by 18%.
• Created a cross platform mortgage scheme abuse fraud trigger.
• Created the first automated Optimised Tracker for all fraud engine rules cross all platforms
• Created a unified reporting tools for all business brands under Lloyds TSB (Halifax, HBOS, Scottish Widows & Birmingham Midshire)
• Managed and delivered a full MI reporting tools training.

Contracting for Barclay’s Fraud Decision Strategy department, managing their analysis tools, creating advanced fraud triggers, and developing their MI productions systems & enhancing their utilisation of various data systems and reports production.

• Review the performance of key Fraud detection systems and fraud triggers
• Create automatized MIS reporting systems
• Perform ad-hoc analysis and complex statistical analysis using SAS and SQL for key stakeholders, making relevant and informed business change recommendations
• Change rules/score settings within agreed parameters to optimise performance of fraud triggers and complex forecasting metrics.
• Ensure delivery of appropriate regular Monitoring & MI of Fraud Decision system/toolkit performance to agreed stakeholders, identifying and explaining any anomalies or concerning trends for escalation and action
• Help to communicate the results of the models developed or other analytics to business owners.
• Provide accurate MI to meet Group and regulatory requirements
• Create behavioural analysis of wealth customers’ banking data and logs to identify possible internal and external fraud.


Achievements:
• Created the Group MI monthly reporting automated process which cuts 2 weeks of data gathering, analysis and report production to only few minutes.
• Lead a cross departmental task-force to tackle certain hurdles faced by Barclays, starting with finding preventive solutions to high volume fraud types aiming to making Barclays the “no-go” bank.
• Created the M & Z Score client forecasting trigger which gives a comprehensive prediction of bankruptcy rate per client and likelihood of fudging accounts based on client’s statements and latest data available within the group data warehouse.
• Created the first automated disinvestment triggers for Barclays in Italy and Portugal. Using complex fraud algorithms, the triggers review all disinvestments/redemption made by relationships managers or clients and flags any suspicious activity to the fraud investigation team.

Contracting for one of the leading ethical consumer based banks. Managing credit risk MIS team, controlling strategy changes, MI Systems, bureau reporting design and managing risk analytics & metrics helping the bank overcome a 2 billion deficits.

• Created applications demographic analysis and audit for department heads and board of directors.
• Managed CIAS files configurations process and implemented enhanced semi-automatic approval process.
• Established the required governance for systems changes and reporting.
• Managed and implemented application process strategy amendments on Blaze Advisor.
• Lead on auditing and stress testing of all applications processing strategies & models
• Managed decision trees and decision table parameters and remapping of current decision process.
• Lead on finding various complex system solutions and fore fronted the presentations of these complex system solutions to director
• Created defaults (PD and LGD) analysis, and calculation automation as part of Blaze Advisor process improvement.
• Programmed new system changes and manages stress testing cross business functions.
• Develop an improved data mining and analysis tools for faster and more comprehensive analysis.
• Developed team’s reporting standards and data flow guidelines.


Achievements:
• Optimised the CIAS Weekly files procedures (SAS) removing duplications and eliminating unmatched active accounts.
• Fixed CIAS reporting issues of missing flag effecting 20% of portfolio (using SAS & SQL) and saving business possible fines by the FSA and over £2m of bureau charges.
• Developed the Blaze Advisor snapshot Viewer resulting in 90% increases in application performance speed and allowed a simpler and easier access to the entire credit risk department.
• Developed the Credit Risk analytics SQL database with 100s of automated analytical and auditing reports.

Contracting for the world’s largest custodian and third largest investment bank in the world, my role revolved around re-engendering of the Asset Servicing business MI systems, which included developing the Client Profitability Information system, create a new RMS - Revenue mapping system, NIR - Net Interest Revenue System and finally re-structuring the forecasting and planning process.

• Created the CPI and RMI packs provided detailed analysis per client level or as total sum per relationship manger. This system produced over 1000’s of packs weekly.
• Crated a new planning and forecasting system that pieced together all the different types of planning forecasting and actuals for easier and more productive analysis for the entire asset servicing business (C#/vb.net & SQL based system).
• Managed the Foreign Exchange database and NIR (Net & Interest Revenue) database and built automated custom reports that provided detailed bespoke financial analysis.
• Managed the price modelling and stress testing database, and controlled all the variables and calculations (C#/vb.net & SQL based system with MS Excel reporting tools).
• Audited revenue and expense calculations procedures and made sure all calculations are accurate and based on the agreed assumptions.
• Produced analytical reports highlighting the changes on the 27.9 trillion USD dollars within BNY Mellon assets under custody and administration accounts.

Achievements:
• CIP and RM Packs were the first to ever generate an accurate and meaningful analysis of the client’s profitability and allow the RM to assess the price modelling and forecasting.
• CPP provided an enhanced analysis of customers based profit margins and thus business was able to improve its performance and allow the bank to lead on pricing efficiency in the IB market.
• The new Revenue Mapping Model produced 99.8% reconciliation to the ledger with the remaining 0.02% due to pre-determined misallocations compared to 73% with the previous used method of revenue allocation and within only 10% of the time taken to produce the previous revenue reports.

Contracting for an extremely successful multi-million financial services company, with the rare opportunity of managing a complete restructure of the finance and risk reporting.

• Managed all stages of the new data analysis system project using Prince II principles.
• Generated SQL based Excel reports that provided different levels of customer demographics analysis with new credit risk scoring codes that automatically identified potential high risk customer.
• Restructured the entire financial analysis department’s reports to enhance the level of details and accuracy as well as aligning the produced reports to the new MIS system.
• Generated credit risk architecture, developing the credit risk policies for existing products, through extensive Vintage Delinquency Analysis, stress testing and scenario analysis.
• Enhanced the group policy on the measures that determine the client creditworthiness based on historic analysis customers demographics, receipt of payments ratio and recovery of bad debts.
• Created the new monthly Credit Risk Pack for both Commercial and Retail Channels. This included a full detailed analysis of current loan book and new business performance
• Designed and implemented an enhanced credit impairment policy and definition for the coming 5 year period, based on analysing the total portfolio and the expected market movement.
• Devised, managed and implemented all aspects of financial analysis, examining financial trends/ budgeting, and providing accurate reports to the Executive Management Team, to facilitate further decision making.


Achievements:
• As the project manager and the main driver I was able to push the data mining project to be completed in only 4 months rather than the expected 12 months predicted by the business.
• Enhanced the credit policy for the “Buy to Let” products based on detailed analysis of all buy to let customers which lead to a reduction in arrears by 14%.
• Initiated the first Credit Risk Committee’s High Risk Portfolios Review meeting and automated the credit risk report and reduced production time from 3 weeks to only 4 working days.

Working under a team target of £12 million cost-saving for a margin optimisation program through intensive auditing of customers, financial analysis, setting up various projects and effective use of different departments’ resources; the aim being to transform the Corporate and Enterprise Channel.

• Managed the Margin Optimisation team, their pipeline and strategy.
• Managed an extensive auditing of the whole of the corporate channel’s 6000 Customers’ accounts and created a root cause report that compiles all of the findings.
• Headed the Process Transformation Project to review end to end processes of the entire company by utilising the knowledge and involving all business departments.
• Created the decision engine for the migration programme of the lower 3000 customers to a third party reseller based on various levels of forecasting and detailed analysis of clients revenue and expenses, as well as a full risk analysis using SAS and various SQL and Excel reports..
• Auditing the quarterly suppliers’ bill for all circuits and lines used by the business world wide and managing the allocation of costs to all business channels.
• Produced detailed reporting of revenue and expense allocation. As well usage forecasting based on regional and global network maps.

Achievements:
• Attained 75% of our £12 million Negative Margin optimisation target within only the first year.
• Created and project managed a new customer based Inventory Tool. The SQL based tool that processed 14 billing system data download and provided the business the ability to create customer circuit inventory in less than 10 minutes. This was only feasible to produce by raising a request of 31 days SLA which in turn improved the standards of customer service by a huge margin.
• Kick started the Executive Engagement Project, by liaising with CEO and CIO’s EAs to better the engagement of executive officers in resolving customer issues and supporting new business.
• Initiated The Improvement Pilot Project using Six Sigma and DMAIC methodology to improve the billing process and reduce the margin of error and delays.
• Created the first KPI automated system for the entire Billing Department using SQL and Excel, that allowed all billing managers to view their team performance as a team or per individual.
• Initiated The Improvement Pilot Project using Six Sigma and DMAIC methodology to improve the billing process and reduce the margin of error and delays.

• Processed invoices (Payroll) for employment agencies and staff incentive payments.
• Controlled the stock of vouchers used by managers as incentives (£80, 000 annually)
• Designed a new computerized system (new Automated System) to archive and log all receipts and vouchers used as incentives for all the call centre departments, to tally with the Budget sheets.
• Automated several reports (using Excel Macros) to minimise the time spent in producing these reports thus providing more time to focus on more productive tasks.