Cards Opration senior manager
Al Rajhi Bank
Total years of experience :18 years, 5 Months
Overview:
To handle cards settlement on daily basis along with projects handling to develop / automat cards operations for chargeback, fraud & settlement units.
Responsibilities:
-Handle daily settlement with schemes (SAMA, GCC, VISA, MasterCard & UPI)
-Reconcile cards operation accounts related to Chargeback, settlement & fraud
-Review business projects and provide operation requirements along with implementation supervision
-Initiate a new systems projects to enhance / automate day to day operation process.
Overview:
To settle amounts related to cards business & merchant business locally & globally with SAMA, VISA, MasterCard & other Schemes. And to review / create projects to enhance, increase productivity & decrease risks.
Responsibilities:
- Manage to reconcile & settle Issuer Debit card and Credit Card transactions with SAMA, GCC, Visa & MasterCard networks.
- Manage to reconcile & settle Acquirer Debit card and Credit Card transactions with SAMA, Visa & MasterCard networks.
-Manage to process exceptions & prevent it.
-Handle new products & provide require changes / new enhancements.
-Develop card management systems to follow updated schemes rules.
-Manage to handle & process customer dispute.
-Manage to reconcile internal accounts.
-Review business projects & provide operation requirements.
Achievements:
- Minimize number of rejected transactions 30% within a year.
- Create a new program to preform reconciliations for complicated accounts.
- Reduce unlocated differences to 80% within a year.
- Manage cortex reconciliation project & launch it successfully
Overview:
Prevent financial losses against Credit/Debit Cards fraud risks by analyzing database history & creating rules, take precautions.
Responsibilities:
Manage staff to monitor credit/debit cards transactions
Manage staff to monitor Merchants transactions against suspicious activity
Create/update rules in system to identify high risk transactions
Analyze database fraud history to identify risks & create rules in system
Investigate fraud cases & take necessary actions
MIS reporting
Accounts reconciliation
Gide chargeback department to recover fraud losses
Achievements:
Manage to handling 2 new projects + systems enhancements successfully
Recover 10% of total fraud loss within a year
decrease 15% of total fraud ratio within a year
Chargeback & Fraud unit manager
Job Description:
1-Responsible for monitoring all credit card transactions against Suspicious transactions.
2-Ability to Lead the development of the chargeback unit by planning, developing & coordinating the strategic initiatives of plan & activities.
3-Create, Update fraud managing system rules to increase the effectiveness of detecting fraud, suspicous transactions.
4-Complete knowledge of Card Operations with prevention on fraud & chargeback losses
5-Excellent experience of handling & processing Chargeback (Issuer & Acquirer) with high volume
6-Ability to Protect Cards and merchant from fraudulent activity in various outlet (E-commerce, 3D secured, EMV liability shift on chip card)
7-Ability to Protect merchant from chargeback risk.
8-devolep the chargeback & fraud unit. Ex.-(Reporting system, Filing system, ….)
9-Responsible for all incoming dispute against Bank AlBilad merchants.
10- Responsible for all incoming dispute transactions by Bank AlBilad Cardholder.
11-Respansable for the financial entry against credit card transactions & merchants.
12-Responsible for monitoring all Acquirer Transactions (POS, ATM TXN) against fraudulent activity
13-Responsible of Protecting the bank from Merchant Fraud Performance Program (MFP)
Successfully reduce losses 75% comparing with previous year
Successfully create the full procedure of the unit
Successfully increase fraud detection 85%
Successfully gain profit with increase of 20% comparing with previous year
Credit Card Operation (Chargeback department) Assistant Manager
Organize 6 staff in chargeback department (Issuer & Acquirer) as showing below:
1-Receiveing client dispute from different channel (Samba online - Fax - Samba phone - branches) & process the data in system.
2-contact samba merchants & request documents then review the cases.
3-respond to customers with documents after fixing errors in system.
4-Receiving disputes against our customer (Samba merchant) & process the data in system
5-Monitoring of all incoming/outgoing disputed transactions according to Visa/Master rules and regulations. (Retrieval Request, Chargeback’s, Representment, Good Faith collection request).
6-Timely handling of Pre-Arbitration, Arbitration, Pre-Compliance & Compliance cases.
7-Review of all required chargeback/representment documents according to appropriate reason code.
8-Review of all transactions on block cards and rejected items.
9-Settlement of cases received from customer service unit.
10-Review of all financial vouchers for Visa/MasterCard disputed transactions.
11-Reconciliation of all charge back related account on daily bases.
12-Correspondence with Issuer/Acquirer bank, Merchant and other units.
13-Other Misc. jobs related to Risk Management Unit
14-Active participation in Visa enhancements projects & Other Misc. jobs related to Risk Management Unit
Achievements:
1-Received a Certificate as a Work Excellence for 2007.
2-Received a Certificate as a Work Excellence for 2008.
3-Received star employee for the month Of May 2009.
3-Developed a new easier & time saving way in (Excel) to calculate financial entries witch have been approved from higher managers.
4-Pass the SDP program (management Course) in 2011 and scoured 91.7 %
Materials of banking operations: 1-Economy and Money and Banking 2-Computer Applications 3-Bank operations 4-Accounting principles 5-Basics of bank credit 6-Introduction to Business Administration 7-Communication skills 8-Sale of banking services 9-Financial Accounting 10-Introduction to Treasury 11-Introduction to the Mathematics of banks and investment