carl dsouza-resume

Carl D’souzaEmail: [email protected]

Mobile No: 0509324712 / 0561154755

Objective: My goal is to obtain a dynamic, challenging opportunity that contributes to the outstanding success of the business via my 10+ years of banking experience working for various Financial Institutions.

PROFESSIONAL EXPERIENCE:

Company Profile: HSBC Bank the 2nd largest Bank in the world. Working towards being “The worlds local Bank”, their focus is mainly in providing excellent customer service along with financial advice to its clients.

Worked in the Regional Finance Department at the Head Office of HSBC Bank (Dubai) as a Reconciliation Officer & MIS from March 2007 till February 2009.

Worked in their Regional Security and Fraud Risk Department as a Regional Authorizations and Fraud Monitoring Officer from February 2009 till September 2012.

Worked with the Regional Security and Fraud Risk Department as a Fraud Investigations Officer from October 2012 till July 2013.

Presently employed with the Regional Financial Crime Investigations Team in the capacity of a Fraud Investigations Manager from July 2013 till date.

Reconciliation Officer and MIS:

Reconciliation of the Reject Reentry (unposted transactions) queue and reconciliation of accounts for unposted transactions for all areas.

Downloading and processing of Visa / MasterCard files and processing of entries to the Nostro Account.

Analyzing new ways of reconciliation and setting up processes for reconciliation of new accounts for the Finance Dept.

Manual Auth processing for Visa / MasterCard calls received in case of referred transactions.

Processing of Auth Cancellation and authorization requests from Acquiring Banks.

Detection of fraudulent transactions for Credit / Debit cards on FALCON and responsible for reduction of fraud losses by verifying transactions with customers, identifying test points, recognizing fraud patterns, identifying high risk merchants / countries.

Processing of Stop Payment Requests and follow-ups with acquiring banks for recovery of fraud transactions detected.

Carl D’souza

PUBLIC

mailto:[email protected]

Email: [email protected] No: 0509324712 / 0561154755

Query handling and advising customers on the dispute process to be followed. Processing of Emergency Card Replacement requests received from Visa /

MasterCard. Coordinating with branches and RM’s, with regards to fraud related issues, lost /

stolen cards and card replacements. Analysis of CPP warehouse reports / Excessive usage reports / New test merchant

reports and downloading of reports from Visa / MasterCard & MIS related to card fraud area wise.

Fraud Investigations Officer:

Analysis of First Party / Third Party / Staff Fraud thru the Detica Net Reveal system.

Recommend actions to Branches / Retail Banking and Wealth Management / Collections and follow up for Net Reveal benefits.

Conducting interviews and drafting of the final report after analysis of each case to be sent to Senior Management / HR.

Providing assistance to the Fraud Investigations Team as support staff.

Fraud Investigations Manager:

Conducting various types of Financial Crime Investigations (Internal / External / AML) in a thorough, timely and professional manner, maintaining factual records.

Providing support and assistance to GIIG related queries and investigations. Conducting open source searches on individuals, site visits and research on

companies on a case to case basis. Conducting KYC reviews, mailbox searches, transaction reviews and CAMP

alerts to determine source of funds. Conducting World Checks and Passport Checks on individuals and companies. Interview suspects and witnesses and obtain written statements as appropriate. Liaise with relevant business entities at a suitable level to facilitate investigative

work. Ensure all investigations are completed within the agreed RAG rating structure. Prepare and submit Fraud Investigation Reports, citing the breaches / process

breakdowns and recommendations made to prevent recurrences. Reporting to Compliance / Central Bank / Local Authorities whenever required. Following up with Departments / other Banks for recovery of disputed amounts.


Mobile No: 0509324712 / 0561154755

PUBLIC



Achievements:

Set up a reconciliation process for the Collections Department for the credit card payment system.

Monthly average Fraud Detection/ Savings of USD 400k for cases worked on FALCON system.

Assisted in the Migration Process of the Finance Department from Dubai to Hyderabad (India), by providing training to staff at Hyderabad for a period of 2 weeks.

Maintained an average rating of 3 with a rating of 2 received for the year 2010-2011 for exceptional performance in Fraud Detection.

Awards:

Award received from the Head Of Cards GCC (Mr. Thimal Perera) for setting up of the reconciliation process for the credit card payment system.

Award Received from the Head Of Security & Fraud Risk GCC (Mr. Jonathan Campbell James) for the detection of the most number of frauds for credit cards and highest amount of savings for the Fraud Detection Team.

Company Profile: ABN AMRO Bank the 5th largest bank in the world, providing consumer banking services like Personal Loans, Credit Cards and Investment Products

Worked with ABN AMRO Bank (Dubai) in the Credit Card Operations as Analyst – Charge back, ATM Disputes, Reconciliation & MIS from October 2004 – March 2007.

Job Profile And Responsibility:

Initiating investigation & recovery process on transactions disputed by the cardholder, or which are fraudulently transacted on blocked cards.

Reviewing the disputed transactions and processing Retrievals or Chargebacks on them appropriately through the Visa VROL system.

Fraud Reporting. Coordinating with Visa International to follow up on Retrieval copies,

Chargeback documents, Representment cases and Pre-Arbitrations. Taking financial decisions pertaining to the Card member's accounts with regards

to Temporary Credit and Reversals.


Mobile No: 0509324712 / 0561154755

PUBLIC


Processing and analyzing of ATM Disputes and Frauds thru UAE switch / GCC Net and Visa / MasterCard.

MIS of card figures to Central Bank. Checking and dropping of duplicate authorization. Responsible for the daily downloading and processing of VISA files and passing

credit entries to Nostro Account. Downloading of daily settlement reports from Central Bank and processing

Switch settlement entries. Coordinating with Central Bank and other Banks to follow up on dispute cases

pending with them. Reconciliation of Visa and Switch Acquirer and Issuer Accounts. Helping and mentoring new trainees with the job and explaining various

operational details and processes to other departments Initiating process improvements by identifying key areas where the department

can expedite the processing time to consistently exceed customer expectations.

Oct 1997-Sept 2004 Citizen Credit Co-op Bank Ltd – Management Assistant

Working as a management assistant, my responsibilities here entailed:

Operations:

It involved extensive co-ordination between various departments to enable better customer service.

Anticipation and arrangement of branch cash requirements. Cash Receipts and Payments. Cheque clearing. Opening of Accounts (Non Resident, Saving’s & Current). Renewal and Opening of new deposit accounts.

Loans and Advances:

Interviewing and Appraisal of prospective customers. Processing of Credit Proposals (Housing / Consumer / Vehicle / Educational / Equity / FD / Overdraft) Assessing the credibility of the borrower.


Mobile No: 0509324712 / 0561154755

Loan documentation and disbursement.

PUBLIC


Conducting inspections. Monitoring and supervision of loan / overdraft accounts. Recoveries from Defaulters. Review of accounts on a yearly basis.

MIS:

Responsible for submission of the following statements:- Classification of Loans / Overdraft accounts according to terms, quantum,

security, purpose, interest wise. Classification of Non-performing assets. Branch Performance Report Compliance of internal / external audits. Calculation of interest for Tax at Source (TDS) Calculating of Depreciation on branch assets.

Demat Services:

Opening of Demat Accounts. Dematerialization of Shares. Executing Delivery Instructions for selling / transfer of shares. Creation / Invocation / Closure of Pledge on shares kept as security for credit

facilities availed.

Qualification: Academic B.Com. (Bachelor of Commerce) from St. Andrew's College,

Bombay University.

Computer Literacy Microsoft Office course from Datapro Infotech Ltd (Dos, Word, Excel & PowerPoint).Worked on Finacle / CRM / Delta at ABN AMRO BankWorked on Echamps / Whirl / HUB’s and FALCON / Rhenium / COGNOS/ Detica NetReveal / Instinct GWIS at HSBC Bank.


Mobile No: 0509324712 / 0561154755

Personal Information:

Date of Birth 18h January 1977

PUBLIC


Nationality IndianReligion Roman CatholicCivil Status MarriedLanguage Ability EnglishInterests Music, Sports, Reading, Travelling Visa Status Resident Visa

PUBLIC

carl dsouza-resume

Documents