Fraud Prevention& Monitoring Manager
Abu Dhabi Islamic Bank
مجموع سنوات الخبرة :19 years, 10 أشهر
•Managed the Fraud management (Fraud Sampling, Investigations & Fraud governance and controls) during migration from Barclays to ADIB
• Develop and maintain fraud management capabilities, skills and infrastructure in the ESBU that are in compliance with both internal policies and external regulations and are responsive to fraud attacks.
• Ensure fraud losses are maintained within fraud forecasts for plastic frauds.
• Managed the fraud risk management strategies of credit and debit card products, including account acquisition, transaction fraud, mass compromise identification and management, and associated operational processes.
• Initiated and maintain fraud policy for new and existing credit products.
• Migrated Cards Authorization system and processes from Barclays to ADIB.
• Report findings and recommendations and submit reports through the appropriate channels to senior managers.
• Planning, designing and implementing an overall fraud risk management process for the organization.
• Risk evaluation, which involves comparing estimated risks with criteria established by the organization such as costs, legal requirements and environmental factors, and evaluating the organization’s previous handling of risks.
• Contributing to the development of existing policies and procedures.
• Supported the Business to launch 3d secure for covered and debit cards.
• Ensuring that appropriate fraud management controls (prevention, detection, recovery, deterrence) and monitoring process are in place for existing products/services.
•Supported investigation team on confirmed fraud cases
• Reported Suspicious Activity Reports for all confirmed fraud cases to Compliance teams for submission to Central Bank.
• Provide inputs on proposition and product design across business cases, case review, management presentation and control investment.
Barclays bank UAE from August 2007 till date, Promoted to the position of Team Leader, Fraud Control and Authorization in November 2008.
•Successfully executed the Fraud control unit for Barclays UAE
•Handling fraudulent cases: involves investigation and communication of/between customers, merchants, acquiring banks, issuing banks, VISA International, etc.
•Responsible for support in analyzing, resolving, and communicating with internal and external customers involving issues related to major fraud events.
•Review on applications if approved according to the Credit policy.
•Reviewing and maintenance of Debit card transactions on a daily basis.
•Reviewing and maintenance of Internet Banking transactions
•Maintains an adequate level of fraud losses by creating and leading specific initiatives in areas such as Fraud Prevention, Detection, Measurement, Recovery, and Deterrence
•Lead implementations and enhancements in any system platform related to Credit and Risk focusing primarily in Authorizations and Fraud Management
•Partner with Credit Operations and other business units, identifying process improvements and making the necessary recommendations
•Liaise with Business Managers to ensure each product/new product is assessed and records fraud risks, controls and threat mitigation
•Participate in monthly reviews with Fraud Management and Credit Operations teams to review fraud trends, fraud results, deviations with forecasts, etc, identifying systems and process improvement opportunities and making recommendations to solve the issues.
•Identification of possible chargeback cases through various reports and forwarding them to Operations.
Dubai First, December 2006 to August 2007 Working as Fraud and Authorization Analyst, Risk Management Department.
Main Job Functions:
Supervising all the daily functions and reports handled by all the fraud analysts.
Preparation and presentation of a daily/monthly/yearly MIS on Authorization and Fraud to Policy.
Preparation of monthly and year end presentations to management on overall progress, goals and achievements of the department.
Coordination with various functional departments in achieving short to long-term strategic objectives.
Preparation of various management reports on non-routine matters as and when required for decision making.
Part of the UAT testing team - to test and implement the Vision plus and Fraud prevention system for monitoring and maintenance of the new Cards and accounts launched by Dubai First.
In charge of maintaining the Shift Schedule for the analysts, as it is a 24 hour department.
Monitoring and analyzing daily credit card transactions of in house customers.
Handling of authorization requests from not on-us merchants.
In charge of supervising all report handling, reviewing and maintenance of ATM card transactions on a daily basis.
Perform Quality Assurance Sample checks on approved and rejected applications from Credit
Handling fraudulent cases: involves investigation and communication of/between customers, merchants, acquiring banks, issuing banks, VISA International, etc.
Maintenance of customer card and account status as and when required.
Handling major customer complaints and disputes.
Running and maintaining daily/weekly/monthly reports of all activities in the department as well as filing.
HRC Replacements: replacing credit cards used in High Risk Countries and High Risk merchants on a daily basis.
Identification of possible chargeback cases through various reports and forwarding them to Operations.
Assist Credit Initiation on daily CPVs.
Dubai Bank, December 2004 to Currently Working as Fraud Analyst, Risk Management Department
••Monitoring and analyzing daily credit card transactions of in house customers.
•Handling of authorization requests from not on-us merchants.
•I Reviewing and maintenance of ATM card transactions on a daily basis.
•Perform Monthly and Quarterly Self Assessment Tests on the department and report results to Compliance.
•Weekly review of new credit card applications.
•Handling fraudulent cases: involves investigation and communication of/between customers, merchants, acquiring banks, issuing banks, VISA International, etc.
•Maintenance of customer card and account status as and when required.
•Handling major customer complaints and disputes.
•Running and maintaining daily/weekly/monthly reports of all activities in the department as well as filing.
•Daily reports include: Authorization Mismatch Report, First Usage Report, Suspicious Transaction Report, Transactions on Blocked Card Report, Blocked Account Report, Collections Report, Credit Limit Increase Report, Declined Transactions Reports, and HRC Transaction Monitoring Report.
•HRC Replacements: replacing credit cards used in High Risk Countries and High Risk merchants on a daily basis.
•Identification of possible chargeback cases through various reports and forwarding them to Operations.
•Assist Credit Initiation on daily CPVs.
•Preparation and presentation of a daily/monthly MIS on Authorization and Fraud to Policy.
•Preparation of monthly and year end presentations to management on overall progress, goals and achievements of the department.
•Coordination with various functional departments in achieving short to long-term strategic objectives.
•Preparation of various management reports on non-routine matters as and when required for decision making.
Reporting monthly and fortnightly Sales reports and projections, Projecting marketing issues for the above, Appraising marketing trends and market study on going competition
Customer Service Representative, Managed the day-to-day operations of a technical
support team, ensuring delivery of team productivity, quality and customer service targets Responsible to take up customer Queries and Complaints & tresolve issues
Bachelors Degree from National American University Majors in Marketing GPA of 2.9 Subjects taken: International Financial Management Businees and Society Strategig Management Organizational Behaviour Reserach Methods Human Resources
Subjects taken: Sales Management Advertising and its effects. Intro to Business Analyzing the problem in Business. International Marketing
Certificate In Microsoft Office 9x/ & 2000(Word, Excel, PowerPoint, Outlook- Express, Internet Applications). From Bits Computers (Dubai)