Fraud and Credit Risk Manager

• Aug 2022 - Present

Credit Risk Manager Card Acquiring - Merchant Underwriting and Collections

• Aug 2017 - Aug 2022

Reduced average decline rates by 50% through the alignment of target market strategies in collaboration with the Commercial team. Effectively reduced debt by integrating an early collection strategy and early monitoring procedures improving collections and reducing dormant facility write-offs. Champion amendment of policy and guidelines utilised by business and sales teams when soliciting new business, to increase sign-ups and decrease on-boarding times, and improve revenue generation by trading merchants. Provide input into the decision making processes to on-board or decline applications within mandate and motivate the approval of applications outside of mandate. Lead engagements with card schemes on matters relevant to acquiring risk and ensuring BMS enters into agreements that are not brand damaging. Lead procedure and process-mapping with focus on Operations, Credit and Risk, FICA and AML, for the card acquiring business. Collaborate with the IT, PCI-DSS Penetration Testing and Audit teams to maintain annual PCI-DSS Compliance.Research and ensure merchant compliance is aligned to South African legislation and Card Scheme requirements. Support the FICA, AML, PEP and sanction screening process with use of internal and third-party systems in line with bank policy. Conducting Due Diligence reports for business. Maintain and update the Credit Risk Merchant Underwriting Policy and Sales Guideline. Accurate MIS compilation reporting to Manco/Exco/Senior Credit Committee and Board. Management of collections where merchants are in default, ensuring bad debts are collected for rejected minimum service fees, commission and chargebacks as well as terminal rental rejections.Head compilation and facilitation of credit and risk training material and present training to sales teams and sales partners nationally. Deliver continuous training to commercial teams on multiple platforms and ensure changes in card scheme rules are communicated including BRAM and GBPP programs. Show less

Credit Risk Analyst

• May 2016 - Jul 2017

Card Fraud Detection Manager at Nedbank

• May 2008 - May 2016