Yousuf Raza

Takes on challenging new role harnessing interpersonal skills, collaboration and problem-solving. Driven to deliver high-quality service and consistent results. Energetic employee well-versed in strong communication and organization skills. Seeks solutions to problems and applies extensive analytical knowledge to findings. Adept at multi-tasking, leading group discussions and managing projects.

AVP- UNIT Manager Digital Fraud Monitoring at BANKISLAMI (2026-03 – Present)

• Designing new systems of fraud monitoring
• Leading First and Second both lines of Defenses
• Implementing Successfully a Project of EFRMS
• Designing Automation of FTDH
• Re Engineering of Master Cards Monitoring SLA within Bank
• Trainings and BMP Hearings

AVP-Manager Digital Fraud Monitoring & Policy on Boarding at BANK ALFALAH (2025-02 – 2025-04)

• Managed a team of digital fraud Risk Buying on All Products
• Fraud-Risk Advisories on Business proposals to Entire Banking products
• Policy & Governance as an active stake holder from Digital Fraud
• Fraud Risk Trainer to Stakeholders within Bank
• Worked on Automation of FTDH portal

Team Lead Manager Fraud Monitoring & Digital/ Business Operational Risk at ABHI-Fintech (2023-09 – 2025-02)

• Managed Fraud Risk on Digital Fast Payments in Payroll Financings
• Complex Investigations of reported incidents due to misuse of systems
• Designing new systems of fraud monitoring
• Transformation of Fractal modules into Merchant Acquiring Models

Cluster Manager Fraud Investigations, Risk & Vigilance at UNITED BANK LIMITED (2022-05 – 2023-09)

• Managed a team of digital fraud investigators of Bank in all regions
• Oversee the development of service level agreements (SLAs) of external stakeholders like 1-Link & Master Card DI that include necessary clauses to protect the bank's interests
• Ensure that all contracts related to fraud monitoring services with external stakeholders are legally binding and include provisions for confidentiality, data security, and contingency planning
• Engage with regulatory bodies as needed to ensure adherence to guidelines and standards
• Conduct due diligence on potential service providers to ensure compliance with regulatory requirements and internal policies
• Control fortifications proposals to Digital Banking business of Bank
• Presentments of Digital and Card Based fraud disputes in BMP, LEAs and SBP
• Managing RCSAs, BCPs & BIAs with Operational Risk Team
• Investigation & updating customer's fake/suspicious particulars in FDB whenever required and sharing of LOSS Data with Operational Risk Team
• Ensuring Process implementations as per policy and procedures
• Managing team to Investigate credit card dispute cases and presentment of chargebacks issuing and acquiring banks
• Initiatives to maintain better safeguard for business from fraud risk

Senior Fraud Investigation Officer, Anti-Fraud Division at UNITED BANK LIMITED (2018-03 – 2021-05)

• Visiting Rerail POS merchants against suspicious transactions
• Managing Bi Weeklies reports of VISA/MASTER against highlighted merchants
• Investigating the merchants and Fraud pre vigilance during the deployment of POS
• Mitigating the business transactions and credit laundering
• Handling the chargebacks of entire portfolio against POS & E Commerce merchants

Team Leader Fraud Monitoring Unit, Anti-Fraud Division at UNITED BANK LIMITED (2017-06 – 2018-02)

• Managed the shifts during business and off hours
• Monitoring and reporting of suspicious transactions to Senior management of Anti-Fraud Division
• Efficiently blocking the ADC channels and cards of customer during monitoring of suspicious card based and internet transactions including net banking activities
• Managed to supervise the emails of stop payments and blocking request to members banks
• Sending Emails of transactions confirmations to domestic and international member banks

Supervisor Fraud Detection Merchant Acquiring OG-2 at Bank Al Habib (2015-07 – 2017-06)

• Managed to supervise the Essential (Merchant monitoring interface of transactions)
• Holding the payments of merchants in case of transactions being un verified
• Working parallel with vendor like KEENU for any complex queries regarding merchant details
• Managed a team of 4 members as a Team Leader
• Allotting the MCCs to merchants according to association rules
• To discourage the split sales from merchants
• Mitigating and decreasing the cash transactions by calling the merchants

Senior Fraud Detection Officer at Standard Chartered Bank Pakistan (2013-07 – 2014-02)

• Monitor the suspicious transactions through Risk Net
• Handling VRM for blocking of Visa Cards against suspicious transactions
• Verifying the merchants during acquiring based transactions
• Closely review the cash-based transactions through credit card
• Guiding the merchants for pick up card against decline transactions on blocked cards
• Debit Card transactions monitoring
• Sending Stop payment emails and respond to domestic and international members against their stop payment emails
• Reviewing of Bi Weekly reports from associations

Detection Officer at Faysal Bank formerly RBS - The Royal Bank of Scotland (2007-11 – 2013-07)

• Monitor the suspicious transactions through Falcon Fraud Manager
• Blocking / Un Blocking of Cards on customer requests and against suspicious transactions
• Responding of transaction confirmation emails from member banks
• Sending letters to customer against the suspicious transactions on their credit cards
• Mitigating and detecting the counterfeit cards
• Analyzing POC/CPP after receiving the bulk disputes
• Managing BIN attacks on card portfolio

Detection Officer at Credit & Commerce Consultants (Private Ltd) Deputed to MCB Bank (2007-04 – 2007-10)

• Monitor the suspicious transactions through Prime 3
• Reviewing of Base 2 transactions of Merchant acquiring portfolio
• Blocking and unblocking of cards against suspicious transactions
• Monitor merchants against their business transactions and intimating them to avoid the practice
• Handling of Pickup Cards received from merchants

Bachelor of Commerce in Commerce – Karachi University (2009)