Mohamed Yehia

Financial Crime & Fraud Monitoring Specialist with strong expertise in card-issuing fraud, e-channels surveillance, mule-account investigations, and real-time transaction monitoring within the UAE banking sector. Skilled in SAS, Visa VRM, and internal fraud-monitoring platforms, with proven ability to detect, prevent, and recover significant fraud losses (100,000+ AED cases). Experienced in customer verification, rule optimization, and high-risk transaction analysis.

Strong analytical mindset with deep understanding of behavioral fraud patterns, transaction structuring, social-engineering typologies, and UAE Central Bank regulatory requirements. Recognized for accuracy, rapid decision-making, and maintaining high performance under pressure.

Fraud Monitoring Officer – Cards & E-Channels at Abu Dhabi Islamic Bank (ADIB) (2025-01 – Present)

Monitor real-time and post-transaction activity across cards and e-channels, detect suspicious transactions, investigate mule accounts, and ensure regulatory compliance while preventing major fraud losses.

• Monitor real-time and post-transaction activity across cards and e-channels using SAS and Visa VRM.
• Detect suspicious POS, ATM, e-commerce, online/mobile banking, and fund-transfer transactions.
• Verify high-risk transactions with customers to prevent unauthorized usage.
• Investigate mule accounts through behavioral analysis, velocity checks, and inflow/outflow mapping.
• Document cases with clear suspicion rationale, red flags, and fraud typologies.
• Provide rule-optimization feedback to reduce false positives and improve detection accuracy.
• Prepare Visa provisioning sheets for compromised or blocked cards.
• Issue stop-payment requests to acquiring banks to prevent fund withdrawal.
• Ensure compliance with internal fraud policies, AML/KYC standards, and UAE Central Bank regulations.
• Prevent major fraud losses (100,000+ AED cases) through rapid detection and account freezing.
• Recover funds by identifying mule activity early and blocking further movement.
• Maintain high alert-handling accuracy while consistently meeting SLA and KPI targets.

Senior Customer Service Agent – Fraud Officer at Dubai Islamic Bank (DIB) (2024-01 – 2025-08)

Investigated suspected fraudulent activities on customer accounts, utilized fraud-detection tools, and communicated with customers regarding fraud cases.

• Investigated suspected fraudulent activities on customer accounts and validated claims through detailed analysis.
• Utilized fraud-detection tools to identify suspicious transactions and patterns.
• Communicated with customers to provide reassurance, guidance, and fraud-case updates.
• Ensured accurate documentation and compliance with internal fraud-handling procedures.

Senior Customer Service Agent – Operations at Dubai Islamic Bank (DIB) (2022-08 – 2023-12)

Handled inbound customer calls, resolved complex escalated cases, served as subject-matter expert, and maintained KPI performance metrics.

• Handled inbound customer calls and resolved complex or escalated cases.
• Served as a subject-matter expert supporting agents with difficult inquiries.
• Maintained KPI performance across AHT, QA, adherence, and ENR.
• Achieved certification for high ENR booking and performance (Jan 2023).
• Retained customers by resolving service issues and ensuring satisfaction.

Senior Customer Service Agent – Operations at Dubai Islamic Bank (DIB) (2020-12 – 2022-06)

Managed team performance and workload distribution, conducted coaching and performance evaluations, and oversaw escalations including COVID-19 related cases.

• Managed team performance, workload distribution, and daily operations.
• Conducted coaching, feedback, and performance evaluations.
• Oversaw escalations related to COVID-19 cases, PHCs, and hospitals.
• Ensured compliance with operational standards and quality metrics.

Bachelor in Civil Engineering – Al-Safwa Higher Institute of Engineering & Technology (2011-01 – 2016-01)