Karabo Segaetsho

Detail-oriented Payment Specialist with proven experience in end-to-end payment processing, reconciliation, and query resolution within regulated financial services environments. Strong record of accomplishment in verifying proof of payment, managing withdrawals, resolving recon discrepancies, and ensuring elevated levels of accuracy and compliance with internal controls, AML, and KYC requirements. Experienced in collaborating with internal teams and external payment service providers to resolve exceptions, improve turnaround times, and enhance operational efficiency.

Brings a solid background in banking operations, debit order administration, and risk compliance, supported by strong analytical skills, process awareness, and a commitment to accuracy and service excellence.

Payments Consultant at OSIRIS TRADING (2024-08 – Present)

• Process and verify payments according to company policies and compliance standards.
• Identify trends in payment delays or failures, providing data-driven recommendations for efficiency.
• Maintain elevated levels of accuracy and ensure reconciliation of all payments.
• Collaborate cross-functionally to enhance operational processes aligned with governance principles.

Payments Specialist at INFINOX CAPITAL (2022-03 – 2023-01)

• Ensuring that all clients Proof of Payment is uploaded to the Infinox CRM Salesforce once a withdrawal is processed.
• Follow up on all pending and cancelled withdrawals with the relevant Payment Service Provider.
• Accurately resolve queries from the Recon Team.
• Follow up with outstanding clients' Proof of Payment from Client support Team and funding clients account accurately.
• Funding clients trading accounts with the relevant bonuses.

Debit Order Administrator at FIRST NATIONAL BANK (2018-03 – 2021-04)

• Capturing: -Switching debit orders, salaries, and recipients for both individual and business accounts.
• Manage debit order switching requests accurately and within agreed service-level agreements (SLAs).
• Maintain correct customer and account information in the core banking system to ensure seamless debit order processing.
• Liaise with internal departments and external stakeholders (e.g., other banks, service providers) to ease smooth debit order migrations and resolve queries.
• Monitor and report on failed, returned, or disputed debit orders, investigating root causes and implementing corrective actions.
• Ensure compliance with FNB's governance, risk, and regulatory frameworks, including KYC, POPIA, and AML standards.
• Provide administrative support for debit order disputes, reversals, and customer mandates.
• In-house Training for Robotics Process Automation (RPA) and helping with the testing within debit order switching.

KYC Officer at FIRST NATIONAL BANK (2016-03 – 2018-02)

• Conduct end-to-end KYC and CDD (Customer Due Diligence) checks for new and existing clients in line with AML, FATCA, and company compliance policies.
• Review and verify customer identification documents, beneficial ownership, and business structure information.
• Maintain correct and organised KYC files, ensuring prompt updates and ongoing monitoring of client accounts.
• Escalate high-risk or suspicious cases to the Compliance or AML team for further investigation.
• Ensure adherence to local and international regulatory standards (e.g., FICA, AML, GDPR).
• Support audit and compliance reviews by preparing and sending KYC reports and show.
• Help in implementing process improvements to enhance the efficiency and accuracy of KYC operations.

Bachelor of Humanities in Development Studies – UNIVERSITY OF JOHANNESBURG (2016-07)

National Senior Certificate in Grade 12 – KRUGERSDORP HIGH SCHOOL (2010)