KYC/Anti-Money Laundering Officer

• Jul 2022 - Present

Provide superior processing (onboarding, account maintenance) to attract and retain Key Accounts, Partners, and Merchants Functional Accountabilities • Ensure all Merchant Accounts onboarding is completed accurately and efficiently (incl QA): o Risk assessment checks o Merchant configuration on all systems • Perform ongoing Merchant Account updates (as applicable) to ensure currency and accuracy • Report on key scope updates, merchant details, etc. (as applicable) - weekly… Show more Provide superior processing (onboarding, account maintenance) to attract and retain Key Accounts, Partners, and Merchants Functional Accountabilities • Ensure all Merchant Accounts onboarding is completed accurately and efficiently (incl QA): o Risk assessment checks o Merchant configuration on all systems • Perform ongoing Merchant Account updates (as applicable) to ensure currency and accuracy • Report on key scope updates, merchant details, etc. (as applicable) - weekly, monthly, quarterly • Deliver billing and settlement processing (as required) • Process and report on chargebacks Key Competencies • Experience and understanding of Ezypay operations (or similar environments) such as merchant acquiring, direct entry, claims, and chargebacks • Strong analytical, numerical and problem-solving skills • Strong communication skills verbal and written • Able to work in fast paced team environment, manage workload and demonstrate working to deadline Show less Provide superior processing (onboarding, account maintenance) to attract and retain Key Accounts, Partners, and Merchants Functional Accountabilities • Ensure all Merchant Accounts onboarding is completed accurately and efficiently (incl QA): o Risk assessment checks o Merchant configuration on all systems • Perform ongoing Merchant Account updates (as applicable) to ensure currency and accuracy • Report on key scope updates, merchant details, etc. (as applicable) - weekly… Show more Provide superior processing (onboarding, account maintenance) to attract and retain Key Accounts, Partners, and Merchants Functional Accountabilities • Ensure all Merchant Accounts onboarding is completed accurately and efficiently (incl QA): o Risk assessment checks o Merchant configuration on all systems • Perform ongoing Merchant Account updates (as applicable) to ensure currency and accuracy • Report on key scope updates, merchant details, etc. (as applicable) - weekly, monthly, quarterly • Deliver billing and settlement processing (as required) • Process and report on chargebacks Key Competencies • Experience and understanding of Ezypay operations (or similar environments) such as merchant acquiring, direct entry, claims, and chargebacks • Strong analytical, numerical and problem-solving skills • Strong communication skills verbal and written • Able to work in fast paced team environment, manage workload and demonstrate working to deadline Show less

Assistant Artiste Manager

• May 2021 - Jun 2022

Sr. Transaction Monitoring & Fraud Analyst Exec

• Jul 2020 - May 2021

Monitor real time queues and identify high risk transactions for within the business portfolio. Observe merchant transactions to identify fraudulent activity such as account take over, friendly fraud, theft, and similar other risks. Identify fraudulent transactions and cancel them from further processing. Resolve queued transactions within the service level agreements to reduce potential revenue losses. Interact with banks and merchants to validate information and to confirm or cancel… Show more Monitor real time queues and identify high risk transactions for within the business portfolio. Observe merchant transactions to identify fraudulent activity such as account take over, friendly fraud, theft, and similar other risks. Identify fraudulent transactions and cancel them from further processing. Resolve queued transactions within the service level agreements to reduce potential revenue losses. Interact with banks and merchants to validate information and to confirm or cancel authorizations. Monitor constantly merchants and transactional records to identify unauthorized transactions and fraudulent accounts. Maintain fraud analysis models to improve efficiency and effectiveness of company systems. Determine existing fraud trends by analyzing accounts and transaction patterns. Identify system improvements to prevent fraudulent activities. Recommend anti-fraud processes for changing transaction patterns and trends. Key Achievements • Reduce losses for Merchant. • Building an internal merchant monitoring tools for Exposure, MCC, Fraud and Credit Risk called MOP – Merchant One Page. • Provide Merchant report for management to make decision on suspending or terminating merchant account or request partnership team for more information before finalizing the reports. Show less Monitor real time queues and identify high risk transactions for within the business portfolio. Observe merchant transactions to identify fraudulent activity such as account take over, friendly fraud, theft, and similar other risks. Identify fraudulent transactions and cancel them from further processing. Resolve queued transactions within the service level agreements to reduce potential revenue losses. Interact with banks and merchants to validate information and to confirm or cancel… Show more Monitor real time queues and identify high risk transactions for within the business portfolio. Observe merchant transactions to identify fraudulent activity such as account take over, friendly fraud, theft, and similar other risks. Identify fraudulent transactions and cancel them from further processing. Resolve queued transactions within the service level agreements to reduce potential revenue losses. Interact with banks and merchants to validate information and to confirm or cancel authorizations. Monitor constantly merchants and transactional records to identify unauthorized transactions and fraudulent accounts. Maintain fraud analysis models to improve efficiency and effectiveness of company systems. Determine existing fraud trends by analyzing accounts and transaction patterns. Identify system improvements to prevent fraudulent activities. Recommend anti-fraud processes for changing transaction patterns and trends. Key Achievements • Reduce losses for Merchant. • Building an internal merchant monitoring tools for Exposure, MCC, Fraud and Credit Risk called MOP – Merchant One Page. • Provide Merchant report for management to make decision on suspending or terminating merchant account or request partnership team for more information before finalizing the reports. Show less

Onboarding Officer

• Jun 2020 - Jul 2020

Responsible for ensuring a quick and seamless onboarding and account opening experience for our clients. Exceed clients’ expectations by constantly innovating to improve the onboarding and account opening processes. Process account opening or maintenance requests in a timely manner. Ensure all documentation received is current, accurate and complete. KYC and Partner with the Account Opening division to ensure expedient, efficient and seamless processing. Responsible for ensuring a quick and seamless onboarding and account opening experience for our clients. Exceed clients’ expectations by constantly innovating to improve the onboarding and account opening processes. Process account opening or maintenance requests in a timely manner. Ensure all documentation received is current, accurate and complete. KYC and Partner with the Account Opening division to ensure expedient, efficient and seamless processing.

Merchant Risk Consultant

• Jun 2017 - Jun 2019

Position Title : Merchant Risk Consultant (MRC) Specialization : Credit and Fraud Industry : Online Transfer Payment Duration : June 2017 – June 2019 MRC - Merchant Risk Consultant Specialist (Fraud and Credit) • Conduct a holistic risk review of Merchants in the Business Seller Segment through various workflows. (including but not limited to case, phone, email, PET channels)Handle Warning, Limitation and Appeals on Merchant Account. • Holistic review will include a… Show more Position Title : Merchant Risk Consultant (MRC) Specialization : Credit and Fraud Industry : Online Transfer Payment Duration : June 2017 – June 2019 MRC - Merchant Risk Consultant Specialist (Fraud and Credit) • Conduct a holistic risk review of Merchants in the Business Seller Segment through various workflows. (including but not limited to case, phone, email, PET channels)Handle Warning, Limitation and Appeals on Merchant Account. • Holistic review will include a balanced approach of assessing risk and the merchant experience. • Interact proactively and educate the merchant while making strong decisions which will balance Risk and Experience. • Serve as a credible partner that makes sound decisions. Onboarding. • Monitor accounts for indications of risk assessment with merchant growth potential. • Experience with merchant education and communication. • High level of initiative and will start to take a proactive approach to risk assessments. Holistic Review • Critical thinking is E2E to understand the full Merchant Life Cycle evaluating Identity, Intent, Business Model, and Financial Stability of our merchants. • develop the full “merchant story” within review process to validate and understand the Merchants situation • wear several “hats” - Risk, Relationship Manager, Sales, Negotiator, and Investigator • work towards understanding Industry risk idiosyncrasies • working to have Global awareness of process alignment and economy implications • Put ourselves in the merchant’s shoes and act as a strong partner. • Ability to effectively communicate outcomes, build relationships and consult with the Merchants. Show less Position Title : Merchant Risk Consultant (MRC) Specialization : Credit and Fraud Industry : Online Transfer Payment Duration : June 2017 – June 2019 MRC - Merchant Risk Consultant Specialist (Fraud and Credit) • Conduct a holistic risk review of Merchants in the Business Seller Segment through various workflows. (including but not limited to case, phone, email, PET channels)Handle Warning, Limitation and Appeals on Merchant Account. • Holistic review will include a… Show more Position Title : Merchant Risk Consultant (MRC) Specialization : Credit and Fraud Industry : Online Transfer Payment Duration : June 2017 – June 2019 MRC - Merchant Risk Consultant Specialist (Fraud and Credit) • Conduct a holistic risk review of Merchants in the Business Seller Segment through various workflows. (including but not limited to case, phone, email, PET channels)Handle Warning, Limitation and Appeals on Merchant Account. • Holistic review will include a balanced approach of assessing risk and the merchant experience. • Interact proactively and educate the merchant while making strong decisions which will balance Risk and Experience. • Serve as a credible partner that makes sound decisions. Onboarding. • Monitor accounts for indications of risk assessment with merchant growth potential. • Experience with merchant education and communication. • High level of initiative and will start to take a proactive approach to risk assessments. Holistic Review • Critical thinking is E2E to understand the full Merchant Life Cycle evaluating Identity, Intent, Business Model, and Financial Stability of our merchants. • develop the full “merchant story” within review process to validate and understand the Merchants situation • wear several “hats” - Risk, Relationship Manager, Sales, Negotiator, and Investigator • work towards understanding Industry risk idiosyncrasies • working to have Global awareness of process alignment and economy implications • Put ourselves in the merchant’s shoes and act as a strong partner. • Ability to effectively communicate outcomes, build relationships and consult with the Merchants. Show less

SRO - Merchant Fraud Specialist

• Feb 2015 - 2017

Specialization : Fraud Cases Industry : Online Transfer Payment Duration : Feb 2015 – July 2015; Jan 2016 – June 2017 SRO - Fraud Prevention Specialist • Partner with peers within Fraud Ops and ROMS on fraud initiatives. • Review fraud leads generated through reports and analysis conducted by ROMS team. • Conduct proactive reviews based on fraud indicators. • Act as an SME for Fraud. • Provide feedback to Detections and Risk Management on learnings and findings to… Show more Specialization : Fraud Cases Industry : Online Transfer Payment Duration : Feb 2015 – July 2015; Jan 2016 – June 2017 SRO - Fraud Prevention Specialist • Partner with peers within Fraud Ops and ROMS on fraud initiatives. • Review fraud leads generated through reports and analysis conducted by ROMS team. • Conduct proactive reviews based on fraud indicators. • Act as an SME for Fraud. • Provide feedback to Detections and Risk Management on learnings and findings to help improve fraud lead quality. • Review PayPal accounts and determine the legitimacy of the account and account holder and associated risk. Analyze account history and trends and perform relevant research to effectively identify problems. • Contacting account holders in an effort to verify activity and mitigate loss. • Continually monitor cases and reports to identify trends and notify management of information gleaned from that activity.

APS Intern (Agile Product Solution)

• Jul 2015 - Jan 2016

Position Title : APS Intern (Agile Product Solution) Specialization : Software and Internal Apps Industry : Online Transfer Payment Duration : July 2015 – Jan 2016 APS - Programming Intern • The First APS Intern in KUL Site and Second in APAC. • Crash Course by learning HTML, CSS, JavaScript, PHP and SQL in 2 months’ time. • Approved Permission for the APS tools used in Paypal Globally. Admin access to 90% of the tools in Paypal. • Proposed Fraud Buster Programme… Show more Position Title : APS Intern (Agile Product Solution) Specialization : Software and Internal Apps Industry : Online Transfer Payment Duration : July 2015 – Jan 2016 APS - Programming Intern • The First APS Intern in KUL Site and Second in APAC. • Crash Course by learning HTML, CSS, JavaScript, PHP and SQL in 2 months’ time. • Approved Permission for the APS tools used in Paypal Globally. Admin access to 90% of the tools in Paypal. • Proposed Fraud Buster Programme for the Risk Department in the Risk Leadership Meeting. Approved by all the leaders in Risk. • Solve bug Issues for APS Tools. • Create Stored Procedures, Database Diagram in SQL and UI using HTML for Fraud Buster Tools.

BRO - Fraud Prevention Specialist

• Jan 2013 - Feb 2015

Specialization : Fraud Cases Industry : Online Transfer Payment Duration : Jan 2013 – Feb 2015 BRO - Fraud Prevention Specialist • Partner with peers within Fraud Ops and ROMS on fraud initiatives. • Review fraud leads generated through reports and analysis conducted by ROMS team. • Conduct proactive reviews based on fraud indicators. • Act as an SME for Fraud. • Provide feedback to Detections and Risk Management on learnings and findings to help improve fraud lead… Show more Specialization : Fraud Cases Industry : Online Transfer Payment Duration : Jan 2013 – Feb 2015 BRO - Fraud Prevention Specialist • Partner with peers within Fraud Ops and ROMS on fraud initiatives. • Review fraud leads generated through reports and analysis conducted by ROMS team. • Conduct proactive reviews based on fraud indicators. • Act as an SME for Fraud. • Provide feedback to Detections and Risk Management on learnings and findings to help improve fraud lead quality. • Review PayPal accounts and determine the legitimacy of the account and account holder and associated risk. Analyze account history and trends and perform relevant research to effectively identify problems. • Contacting account holders in an effort to verify activity and mitigate loss. • Continually monitor cases and reports to identify trends and notify management of information gleaned from that activity.

Hedge Funds - Global Support Executive

• Oct 2010 - Aug 2011

Specialization : Hedge Fund Credit Industry : Banking Duration : October 2010 – August 2011 Hedge Fund Credit • Successfully achieved BAU status in March 2011 for Hedge Fund Credit. • Trained on Banking Operations, Compliance and Leadership. • Trainer for Hedge Fund Credit • Create Macro for Missing IA and FX Settlement Report using Microsoft Excel. • Attended Basic Bloomberg Training in June 2011. • ISDA CSA Trained

Traditional Funds - Global Support Executive

• Apr 2008 - Oct 2010

Specialization : HSS Credit and Risk Industry : Banking Duration : April 2008 - October 2010 HSS Credit and Risk • Reducing the IFS backlog for HSS Credit & Risk. • Reducing the Cash Account linking backlog for HSS Credit & Risk. • Promoted to checker and trainer for Cash Acc Linking, FEX Excesses, CARM, AFS post sanction, credit monitor and Complex Limit Management (CLM) • Committee for HDPM KLC Merdeka celebration decoration competition • Committee for quarterly… Show more Specialization : HSS Credit and Risk Industry : Banking Duration : April 2008 - October 2010 HSS Credit and Risk • Reducing the IFS backlog for HSS Credit & Risk. • Reducing the Cash Account linking backlog for HSS Credit & Risk. • Promoted to checker and trainer for Cash Acc Linking, FEX Excesses, CARM, AFS post sanction, credit monitor and Complex Limit Management (CLM) • Committee for HDPM KLC Merdeka celebration decoration competition • Committee for quarterly Rewards & Recognition in 2008 • Represents HSS Credit & Risk in the Futsal Tournament Annual sports carnival in Cyberjaya recently. • Trained to be a leader and attend numerous training sessions. • Acquired knowledge in Securities and Banking operations.