Velly Molema
I fight financial fraud so people’s money and trust stay secure, combining investigative skill with biblical integrity to serve both institutions and customers.
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About
Experienced banking and accounting professional with expertise in fraud detection, investigation, and financial crime prevention. Skilled in digital forensics, data analysis, and client service with a strong background in cost management and banking operations.
Experience
Agent Fraud Engagement Centre at Capitec Bank Limited (2025-06 – Present)
Provide first-level support services to clients, including victims of fraud and internal teams for specific products and services. Optimize client experience and minimize risk related to financial crimes.
- Provide first-level support services to clients, including victims of fraud and internal teams for specific products and services
- Optimize client experience and minimize risk including risks related to reported financial crimes
- Investigate and resolve client needs and provide information about products or services across digital and communication platforms
- Apply knowledge of SABRIC law regarding fund recovery timelines and procedures
- Conduct fraud investigation processes
- Utilize Sales Force system for case management
- Detect proceeds of crime
Service Consultant at Capitec Bank (2015-03 – 2025-05)
Provided comprehensive client services including credit granting, account opening, and fraud detection. Led and supervised staff while maintaining ethical standards and promoting organizational goals.
- Grant client credit and open savings accounts
- Audit card stock before starting work
- Attend clients in urgent, effective, friendly and professional manner
- Convert clients to banking by sharing cost comparisons and benefits
- Capture documents and client information using CEO Credit principle
- Provide staff with clear directions and development opportunities
- Conduct fraud checks on clients' documents during credit application and account opening
- Adhere to principles and values, uphold ethics and integrity
- Communicate information effectively and express opinions fluently
- Apply problem solving techniques to determine root causes
- Work strategically to realize organizational goals
- Show respect for team members' views and contributions
Junior Accountant at BRG Business Management CC (2014-01 – 2015-02)
Handled accounting and tax compliance tasks including VAT applications, income tax processing, and CIPC annual returns. Provided support to auditors and managed customer complaints.
- VAT application and data capturing
- Process income tax for individuals or companies
- File annual returns with CIPC
- Deal with SARS queries for companies
- Handle customer complaints
- General administration
- Provide support to auditors
- AFS preparation
- SARS objections
- Invoicing
- EMP201 payroll and prepare payslips for employees
Education
Certificate in Commercial Forensic Accounting – NWU Business School (2024 – 2024)
Certificate in Commercial Forensic Information Technology – NWU Business School (2024 – 2024)
Matric Certificate – M.R Mamabolo Secondary School (2003 – 2003)
National Diploma in Cost and Management – Vaal University of Technology (2012 – 2012)
Program Certificate in Fasset Funded Work Readiness Program – Guarantee Trust (2013 – 2013)
National Certificate in Banking NQF Level 5 – Cornerstone (2020 – 2020)
