Fraud Analyst
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Dedicated and results-driven Banking Professional with over 8 years of experience across Fraud Analysis, Transaction Monitoring, Risk Mitigation, and Phone Banking. Proven track record in securing card portfolios by monitoring IBFT, POS, and E-commerce transactions, identifying Points of Compromise (POC), and optimizing detection tools like Fractals. Adept at analyzing fraud trends, resolving complex customer disputes, and maintaining strict regulatory standards with high integrity.
Looking to leverage my expertise in Fraud Monitoring, AML/CFT, Risk Assessment, or Compliance to protect business and client assets.
Assistant Manager - Fraud Analyst
NBP Funds Management | June 2022 – Present
Developed and executed pre-emptive and pro-active fraud control methods to continuously monitor customer transactions and minimize risk.
Monitored customer IBFT, Cash, POS, and E-Commerce transactions to detect and mitigate fraudulent activities, securing the bank's card portfolio.
Reviewed suspicious transactions using advanced detection tools and calibrated parameters on the Fractals system based on emerging fraud trends.
Identified the Point of Compromise (POC) for multiple fraud cases and provided actionable risk mitigation recommendations.
Coordinated closely with investigation departments to effectively resolve customer dispute transactions.
Maintained a strong awareness of cyber-attacks and BIN attacks, ensuring appropriate prevention hierarchies were followed.
Fraud Analyst
MCB Bank Limited | December 2019 – May 2022
Maintained and updated the fraud database for the issuing portfolio and generated monthly/quarterly performance indicators for both Issuing and Acquiring sides.
Utilized specialized systems to manage and resolve Verified by VISA (VBV) issues in coordination with the call center and customers.
Monitored online systems to identify suspicious activities, proactively contacting customers to confirm transactions and resolve unauthorized card usage queries.
Identified Point of Compromise (POC) merchants and initiated card replacements to secure customer accounts.
Generated daily performance MIS to evaluate fraud rule behaviors and assisted in maintaining daily Fraud Guard reports.
Phone Banking Officer
Allied Bank Pvt. Ltd. | January 2018 – November 2019
Facilitated urgent issue resolution, account transactions, deposits, and card activations for Priority and Platinum (VIP) credit card customers.
Maintained comprehensive daily MIS records for priority and high-net-worth customer segments.
Handled customer financial requests including cheque book issuances, banker's cheques, credit card payments, and stop-payment processing.
Developed a sound understanding of retail banking products, including personal loans, car leasing, insurance, and debit/credit cards.
Master of Business Administration (MBA - Finance)
University of Sindh, Jamshoro | Graduated: 2014
Bachelor of Commerce (B.Com)
Shah Abdul Latif University, Khairpur | Graduated: 2011
