Elizabeth Muraguri
Nairobi
Summary
Risk management professional with comprehensive understanding of financial risk assessment and mitigation. Adept at identifying and analyzing potential risks, implementing robust risk management strategies, and fostering collaboration to achieve organizational goals. Known for adaptability and reliability in dynamic environments, combined with strong analytical skills and keen eye for detail.
Overview
20
20
years of professional experience
1
1
Certification
Work History
FRAUD RISK ANALYST
ABSA BANK KENYA
07.2024 - Current
- Support the development of Management Information (M.I.), dashboards and KPIs as per guidelines and timelines to improve visibility of fraud incidents and losses, providing qualitative and quantitative reporting.
- Undertake analysis on fraud Patterns/Bin attacks by tracking confirmed fraudulent transactions to develop rules to prevent and detect fraud and mitigate financial exposure.
- Ensure continuous Fraud threat and risk assessment to identify gaps that could lead to losses and exposures.
- Support in developing Fraud strategy. Recommend changes to fraud detection system parameters optimizing fraud detection while minimizing negative customer impact.
- Coordinate various fraud awareness trainings for both staff and customers to develop and maintain knowledge, skills, and capability.
- Ensure the management is informed of all fraud-related trends and any significant concerns and provide appropriate mitigation plans.
- Support in traction of fraud strategic and tactical solutions to ensure implementations.
- Support in co-ordination of various cross functional fraud forums within the teams to ensure fraud risk is managed within the policy and ERM framework.
PAYMENTS ANALYST
ABSA BANK KENYA
02.2020 - 07.2024
- Coordinate unprocessed payments MI for tracking payments in a timely manner, reducing complaints and for accountability.
- Designed an In-house training document on Doc Prep Products and procedures and a PDF summary document for new team members.
- Initiated the setup of soft phones for the payments team supporting with digitization and aligning with hybrid working.
- Using data to analyze and streamline productivity timings for the various roles with an aim to improve efficiency and accuracy.
- Improved operational efficiency by streamlining MI reporting and workload tracking.
- Team leadership role.
- Supported the team in tracking payments sent through email on OneNote to reduce omission and duplications by 90%.
- Following the pandemic-initiated digitization of the corporate payments space achieving 100% of team members working smoothly remotely while achieving and exceeding TAT.
CHARGEBACK ANALYST
ABSA BANK KENYA
01.2015 - 02.2019
- Recovered over 90% of chargebacks raised against the bank through vigorous dispute process and timely engagements of the merchants mitigating financial exposure by managed SLA adherence and operational efficiency.
- Successfully won over 90% of the cases filed with schemes and good faith initiatives.
- Trained and coordinated over 200 merchants on dispute resolution and security processes organized by MasterCard International, leading a successful fraud awareness campaign for staff and customers.
- Streamlined the Acquiring chargebacks bulk registers and tracking logs ensuring optimized team performance through MI analytics and inline implemented risk controls and reconciliations.
- Initiated and streamlined dispute resolution process by implementing the queries tracking log and chargeback tracking log with a common identifier for ease of reference and tracking of queries & chargebacks.
- Reduced the turnaround for raising chargebacks to 90% by reviewing the Visa policy in line with disputes received from our customers ensuring compliance with card scheme regulations.
FRAUD ANALYTICS
ABSA BANK KENYA
01.2017 - 12.2018
- Minimized operating losses and exposure to loss through effective analysis and prevention procedures.
- Analyzed overall fraud gaps, identifying, and reporting on emerging trends.
- Analyzed fraud databases and reporting on operational performance and accountability.
- Designing and implementing internal and external Fraud policy reports.
- Collaborating professional with fraud management on project or requests.
- Set up digital workflow improving TAT in responding to disputes.
AUTHORIZATION SPECIALIST
ABSA BANK KENYA
08.2007 - 12.2011
- Undertook daily Statistics on fraud risk, master/visa/Barclay card usage and analyzing gaps.
- Reduced risk and fraud by 20% through accountability, reliable information from the clients and the issuing bank.
- Trained merchants in the best card acceptance policy, hence reducing gaps.
- Provided first line support to customer queries and complaints.
FINANCE MANAGER
CATHOLIC ARCHDIOCESE OF NAIROBI
02.2005 - 08.2007
- Managed accounts receivable and accounts payable, assisting with transactional-level tasks as per agreed SOPs.
- Analyzed and reported fiscal activity to identify cost reductions.
- Led financial audits and prepared reports to illustrate findings and governance.
- Monitored key account reconciliations and balances to identify risks to financial statements.
- Prepared accounting information, producing financial statements in accordance with accounting principles and SAP.
- Calculated and documented payroll data for processing.
- Prepared periodic reports to compare budgeted costs to actual costs.
Education
Bachelor of Arts (B.A.) - Accounts & Economics
University of Nairobi
Certified Public Accountant (CPA) - undefined
Vision Institute of Professionals
Skills
- Data Analysis
- Fraud Threat and Risk Assessment
- Fraud Investigations
- Fraud Trend Analysis
- Dispute Resolution
- Fraud Prevention and Detection
- Fraud Risk Management
- Fraud Analytics
Certification
- Fraud Risk Analytics (Excel & AI based tools) and Prevention-Udemy
- Predictive Customer Analytics-LinkedIn
- Data Analyst Specialist-LinkedIn
- Forensic Accounting, Fraud Investigation and Fraud Analytics-Udemy
Awards
Best in Fraud Operations, Best Performance in Doc prep 2022
Publications
- 6 Easy Ways of Dealing with Compassion Fatigue
- 3 Bold Steps to Attain Your Financial Freedom
Timeline
FRAUD RISK ANALYST
ABSA BANK KENYA
07.2024 - Current
PAYMENTS ANALYST
ABSA BANK KENYA
02.2020 - 07.2024
FRAUD ANALYTICS
ABSA BANK KENYA
01.2017 - 12.2018
CHARGEBACK ANALYST
ABSA BANK KENYA
01.2015 - 02.2019
AUTHORIZATION SPECIALIST
ABSA BANK KENYA
08.2007 - 12.2011
FINANCE MANAGER
CATHOLIC ARCHDIOCESE OF NAIROBI
02.2005 - 08.2007
Certified Public Accountant (CPA) - undefined
Vision Institute of Professionals
Bachelor of Arts (B.A.) - Accounts & Economics
University of Nairobi
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