Jojy MJ

Risk Analyst at Wave HQ
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Contact Information
us****@****om
(386) 825-5501
Location
North York, Ontario, Canada, CA

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Credentials

  • REMIC Mortgage Agent Course (RMAC)
    Real Estate and Mortgage Institute of Canada Inc.
    Nov, 2022
    - Nov, 2024
  • Introduction to Credit
    LinkedIn
    Oct, 2022
    - Nov, 2024
  • Verified International Academic Qualifications
    World Education Services
    Sep, 2020
    - Nov, 2024
  • Certified Customer Service Manager
    CSIA Customer Service Institute of Australia
    Jun, 2013
    - Nov, 2024

Experience

  • Wave HQ
    • Canada
    • Software Development
    • 200 - 300 Employee
    • Risk Analyst
      • Jan 2023 - Present

      * Adjudicating new payment applications to assess the credit risk of new businesses and entrepreneurs * Performing complex fraud investigations using a wide variety of data in order to accept, reject or refer transactions for further investigation. *Conducting in-depth analysis of transaction data to identify potential fraud and financial losses. * Assessing the chargeback risk of each business and working with small business owners to establish good business practices to protect themselves against disputes. * Providing ongoing account management to proactively identify deterioration of good businesses, working closely with payment operations, customer success and product team to deliver the best experience possible to our users. * Strong attention to detail in minimizing fraudulent activities, identifying risk exposure, highlighting fraud trends and determining regulatory or compliance violations. Show less

  • ANZ
    • Australia
    • Banking
    • 700 & Above Employee
    • Credit Coach
      • Dec 2015 - Jan 2022

      ▪ Assess, Review and adjudicate Consumer Credit Card, Personal Loan and mortgage applications.▪ Interpret and apply lending/credit policies to understand home buyers’ credit worthiness▪ Approve loans using credit discretion, analytical and problem-solving abilities▪ Review individual and group credit report, pay slips, tax returns, other personal financial statements and analysing financial risk in retail lending.▪ Exercise strong judgement backed by serviceability ratios in approving loan applications ▪ Implement controls for Lending, Operational Losses and Customer Complaints in the department thereby reducing the operational risks and unsecured lending within the process▪ Identify process improvement and suggesting changes in lending policy to credit risk enhancing the approval rates of credit applications. ▪ Conduct weekly huddles with the team of credit assessment staff to discuss on quality and areas of improvement.▪ Conduct process training for new hires and also identifying the training needs for existing staff and develop training strategies to improve efficiency in learning and output Show less

    • Senior Credit Assessment Officer
      • Mar 2012 - Nov 2015

      ▪ Assess, Review and adjudicate Consumer/Commercial Card, Personal Loan, Overdraft applications▪ Handling escalation emails, supervisory calls and processing complex cases▪ Served as loan servicing/fulfilment officer on secondment handling loan modification, pay off calculations, term and loan type adjustment.▪ Assisting Relationship Managers and Private Banker with their applications for high-net-worth customers▪ Consult with customers to resolve complaints and verify financial and credit transactions. ▪ Identifying hardship transactions and raising red flag where required to ensure compliance with AML/Sanctions.▪ Act as an SME when required to assist the new hires in the team. Show less

  • IBM
    • United States
    • IT Services and IT Consulting
    • 700 & Above Employee
    • Collections Specialist
      • May 2010 - Feb 2012

       Employed by IBM and working with Lloyds TSB Bank – United Kingdom  Handled Personal Loans and Overdraft Collections  Handling customer enquiries on accounts which are delinquent and understanding the reason for arrears.  Obtain customers financials and helping them setup payment arrangements in line with the policies of the bank.  Employed by IBM and working with Lloyds TSB Bank – United Kingdom  Handled Personal Loans and Overdraft Collections  Handling customer enquiries on accounts which are delinquent and understanding the reason for arrears.  Obtain customers financials and helping them setup payment arrangements in line with the policies of the bank.

Education

  • St Joseph's College of Commerce (Autonomous)
    Bachelor of Commerce - BCom
    2007 - 2010
  • St Josephs Indian High School
    St Joseph College of Commerce, Commerce
    1995 - 2005
  • Real Estate and Mortgage Institute of Canada Inc.

Community

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