Risk Analyst - Virtual Pay International
(2023-11)
- Ensuring the necessary policies, frameworks (ERMF, ORMF, Risk Appetite & Legal), procedures and controls are in place with regard to complying with applicable laws, regulations, and international standards and best practices applicable to the Fintech Industry.
- Proactively monitoring and analyzing transaction data to identify suspicious patterns, trends, and anomalies that signal potentially fraudulent activities.
- Investigating and managing the end-to-end charge-back process with a team, ensuring all disputes are handled efficiently and in line with industry regulations and card schemes (Visa/Mastercard).
- Analysis of charge-back trends, providing insights and recommendations to reduce future chargebacks and mitigate risk by use of Visa and Mastercard fraud prevention systems.
- Conducting regular analysis of payment trends, charge-back volumes, and fraud alerts to provide data-driven insights through automated reports.
- Preparing comprehensive reports for senior management on payment performance, compliance, charge-backs and fraud detection.
- Collaborating with internal teams to ensure the organization is compliant as per the regulators and schemes guidelines to ensure the security of pay-by-link transactions, through 3D Security, website reviews and other fraud prevention measures.
- Merchant and Partnerships due diligence through continuous review in MATCH and VMSS, assessing potential fraud risks associated with their on-boarding and taking appropriate actions in line with regulatory, schemes and virtual pay policies.
- Promoting and Contributing to Information Security Management System (ISMS) procedures, KRI and Risk Register update initiatives and best practices within the organization.
- Providing support and training to staff to build on Fraud Risk and AML awareness within the organization.
- Secretariat for the Management Risk Committee monthly meeting, ensuring that each department adheres to the resolutions passed according to new product governance and risk performance
Risk Analyst - Virtual Pay International
(2023-11)
Key Achievements
- Assisted in continuous enhancement of fraud monitoring tools through review of fraud detection rules, while collaborating with the technology team to improve the dashboard, data visualization, automate processes and implement system enhancements.
- Enhanced merchant on-boarding procedures and systems to ensure enhanced and ongoing due diligence, with timely updating and verification of KYC and KYB documentation.
- Improved relationship with Acquiring banks, card networks and merchants to ensure accurate and timely defense submissions in the chargebacks process.
- Ensured schemes fraud are within agreed fraud thresholds by continuously reviewing fraud parameters on a quarterly basis and formulating fraud training measures to merchants.
- Coordinated internal, external audits, ISMS compliance and GARS reviews at regular intervals to ensure that compliance procedures are regularly followed in liaison with the various departments.
Executive Reconciliation & Dispute Management - Interswitch E.A (K) Limited
(2022-05 - 2023-10)
- Verifying stakeholder daily transaction net position in settlement from Payment Schemes.
- Allocating daily net settlement computation breakdown for the different schemes to the respective GL accounts.
- Handling reconciliation and balancing of various banks' ATMS, General Ledger accounts including Card Debtors, Chargebacks, Off-Us Transactions and Processing Card Transaction Retracts /Reversals etc.
- Handling the settlement matching of transactions between the Schemes and the authorizing system
- Providing reconciliation support for stakeholders both Issuing and Acquiring (Banks)
- Handling Issuing and Acquiring disputes for all schemes on the different dispute resolve platforms
- Facilitating and monitoring settlement account reconciliation (In bound and Out bound Accounting instructions)
- Reporting back-office process management and providing necessary reports/ files for consumption by the financial institutions such as Banks and SACCOs'.
- Reporting to banks on all Network Switched Transactions for stakeholders in form of statistics
- Implementing and adhering to dictated quality customer service interaction standards
Scheme Operations Executive - Interswitch E.A (K) Limited
(2021-07 - 2022-05)
- Resolving and responding to customer queries on products under Schemes Operations
- Maintaining and amending limits, OTB, static data on cards, merchants or terminals as per instructions and confirming the same
- Processing incoming and outgoing files from the Schemes onto the Card management Systems
- Running the EOD processes and placing the EOD reports in the respective banks' folders
- Processing the banks BRSOUT and BRSIN payment files as per the set SLA's
- Uploading institutions incoming files and EOD reports for banks as well as generation of output files to banks.
- Uploading of OMC and T067 reports on daily basis for processing and editing rejects for resubmission.
- Assisting in resolving all operational issues that may arise as a result of utilizing product under Switching and Processing scheme portfolio
- Generating cardholder and merchant statements as well as ensuring e-statements are emailed out on schedule.
- Ensuring accuracy of reports contained in all products under Switching and Processing Operation
- Providing statistics on fees and earning for institutions on different schemes
- Ensuring that SMS alerts and OTP's are being sent out to customers
Sheerlogic Management Consultants
(2020-11 - 2021-05)
Accounts and Reconciliation Clerk - KCB Bank Limited
(2019-01 - 2021-05)
- Prepared and submitting of daily, weekly and monthly returns
- Posted salaries sent from branches and Government ministries
- Reconciliation of quick pay wash account and foreign currency accounts.
- Balanced check off repayments schedules against payments received through RTGS and cheques.
- Prepared and process check off loans repayments schedules.
- Circulated the by products from the employer to Credit Administration Unit (CAU).
- Prepared schedules for service charge by government and reconciling the respective P&L accounts.
Accounts and Reconciliation Clerk - KCB Bank Limited
(2019-01 - 2021-05)
Key Achievements
- Contributed to good customer service by responding to all queries from branches increasing the overall NPS for the department
- Saved money and time for the company by identifying fraudulent activities from branches
- Planned, arranged and hosted a team building away day, which resulted in improved communications within the office.
HR Training Coordinator - KCB Bank Limited
(2018-03 - 2018-12)
- Coordinating (with) persons (HR Business Partners /Senior Advisors, other Resourcing Managers, internal line assessors, external assessors involved in talent management processes.
- Supporting the Talent Manager with the talent assessment processes (preparation of assessment tools, determination of ranking methods, definitions of factors that will increase the likelihood that talent will be responsibly identified)
- Managed training and induction sessions for sales representatives.
- Preparation and documentation of evaluation criteria, assessments and questionnaires.
- Maintaining relationships with internal/external customers/stakeholders/supplies relating to HR Talent and Learning Development; External providers, consultants and Heads of Departments.
- Maintaining data, training budgets, records and statistics relating to HR Talent and Development area: talent lists and documents, data, critical roles lists, tools, assessments, performance, talent maps, talent pools, competency frameworks, talent audits, skill audits, 360 Degree feedback data and reports.
HR Training Coordinator - KCB Bank Limited
(2018-03 - 2018-12)
Key Achievements
- Contributed to good customer service by ensuring all trainees are accommodated effectively
- Developed and enhanced training programmes to improve customer satisfaction, culture productivity and customer excellence
HR Resourcing Clerk - KCB Bank Limited
(2015-01 - 2018-02)
- Maintained data, budgets, records and statistics relating to HR Resourcing area: Job Descriptions, Job Advertisements, Interview documents, candidate long and short lists, criteria note and approvals, final selection recommendation documents and recruitment turnaround time.
- Prepared and documented evaluation criteria, assessments and questionnaires.
- Responded to line management and applicant inquiries during the recruitment process.
- Conducted and managed job interviews for Sales representatives as well as managing their productivity reports in line with applicable policy requirements.
- Supported line management/ HR Business Partners/ Senior HR Advisors with the job analysis process (preparation of assessment tools, determination of ranking methods, definitions of specialized experience and selective placement factors that would increase the likelihood that qualification expectations will be reasonably met).
- Screened, shortlisted, rated and ranked qualified applicants in accordance with criteria and applicable policy requirements and ranking method agreed upon for the vacancy.
- Maintained relationships with internal/external customers/stakeholders/supplies relating to HR Resourcing; Line Managers, Job Candidates/Applicants recruitment agencies and Consultants and head of departments.
HR Resourcing Clerk - KCB Bank Limited
(2015-01 - 2018-02)
Key Achievements
- Contributed to good customer service
- Worked on special projects of organizing employee records into a new paperless system.
- Assisted in developing a new employee orientation program that the company adopted.
Account Opening and Processing Clerk - KCB Bank Limited
(2014-07 - 2014-12)
- Handled the back-office operation functions, reporting, follow up with business and service providers.
- Monitored personal performance daily/weekly/monthly against the objective and assign targets
- Reviewed and verified accuracy of new and replacement of account documents and accuracy of data in system.
- Verified that all new deposit customers are properly identified according to the bank's customer identification program.
- Updated appropriate systems to reflect documents received or returned to respective branches.
Account Opening and Processing Clerk - KCB Bank Limited
(2014-07 - 2014-12)
Key Achievements
- Re-organized the process of receiving and retrieving account opening documents for faster processing
Service Delivery Officer/Senior Teller - K-Rep Bank now Sidian Bank
(2012-06 - 2014-06)
- Recommended credit and loan products such as personal loans and mortgages
- Processed all clients transactions including withdrawals, deposits, transfers and loan payments
- Assisted customers in opening and closing checking accounts credits cards and savings accounts
- ATM Reconciliation
- Resolved customer issues
Service Delivery Officer/Senior Teller - K-Rep Bank now Sidian Bank
(2012-06 - 2014-06)
Key Achievements
- Contributed to good customer service
- Increased revenue and sales for the branch
- Coordinated with other departments to procure quality referrals to ensure customers receive all available company product and service information
- Assisted credit manager in account collection by phone and mail, increasing accounts receivables by 20%.
Internship - National Bank of Kenya
(2010-05 - 2010-07)
- Maintained records of incoming invoices as well as preparing the invoices
- Reconciliation of accounts and general vouchers
- Performed clerical tasks and other official bank duties
