Linda Kimuyu
Nairobi
Summary
Dedicated professional with over 7 years of experience in the Banking industry, specializing in card operations, financial analysis, e- payments, dispute management,and fraud analysis. Proven track record of streamlining processes, managing card products, and optimizing profitability. Highly organized, results-driven, and adaptable team player with a keen attention to detail.
Overview
6
6
years of professional experience
1
1
Certification
Work History
Senior Card Operations Officer
Commercial International Bank (Kenya) Limited
04.2022 - Current
- I was part of the team responsible for the refinement and optimization of card operation procedures and protocols
- Played a pivotal role in the meticulous design, development, and rigorous testing of Visa Debit and Credit Cards
- I was part of the team responsible the end-to-end introduction of new Visa Debit and Credit Cards, from conceptualization to successful implementation
- Drove data-informed initiatives for the strategic management of credit and debit card portfolios, aligning them for optimal utilization and profitability
- Implemented comprehensive strategies for customer lifecycle management, focusing on seamless onboarding, value enhancement, cross-selling, and attrition mitigation
- Developed and executed robust credit and debit card authorization strategies, ensuring a secure and streamlined transaction process
- Oversaw the resolution of credit and debit card-related complaints and disputes, ensuring prompt and equitable resolutions
- Managed the entire card lifecycle process including ordering, personalization, replacements, and renewals via the advanced Card Management System (CMS)
- Vigilantly monitored and maintained accurate card status and static data, ensuring strict compliance with established protocols
- Demonstrated adept inventory management, proactively initiating restocking procedures upon reaching predefined reorder thresholds, with an astute eye for escalating exceptional cases to higher management
- Generated and circulated comprehensive Management Information (MI) reports, providing stakeholders with valuable insights into card production processes
- Assumed control of card vendor invoice management, meticulously tracking, and expeditiously processing invoices
- Skillfully populated settlement templates facilitated the posting of card settlements and conducted meticulous reconciliation of card accounts
- Expertly handled exceptions with prompt escalation to management
- Fostered seamless collaboration with the finance team, consistently delivering monthly accounts to facilitate financial oversight
- Conducted daily settlements for Nostro and KNNS accounts, demonstrating precision and timeliness in financial transactions
- Implemented stringent verification processes for card vendor invoices, ensuring their correctness and completeness, and processing them within stipulated timelines
- Managed the processing of credit card payment files, rectifying unpaid items, and proactively engaging affected customers for resolution
- Received and adeptly processed card disputes in tandem with TPP, overseeing cases to resolution
- Maintained an up-to-date chargebacks tracker on a weekly basis, maintaining an accurate record of all chargeback incidents
- Ensured timely and accurate fraud reporting to card schemes, adhering to stipulated requirements
- Initiated any necessary write-offs resulting from fraud incidents
- Played an integral role in providing essential inputs for Visa QOC reporting and CBK NPS reports, contributing to comprehensive industry reporting.
Card Operations Financial and Settlement Analyst
National Bank of Kenya Limited
10.2017 - 04.2022
- Responsible for preparation and Submission of Visa Quarterly Returns to VISA before 15th day of every Quarter
- Responsible for daily Settlement of VISA, Interswitch and Kenswitch transactions as per the set SLA
- Responsible for timely and 100% recovery of credit card payments through Autopay done in four cycles every month, SMS alerts sent to customers for each cycle and ensure all card payments are updated in Card Management System
- Managed weekly/monthly financial reporting of all Card Transactions in the Bank
- Managed the card stock of all products held in the Bank
- Ensured timely and accurate reconciliation was done for all card transactions, and sharing the recon reports to reflect the latest insights.
Education
Bachelors of Procurement and Contract Management -
Jomo Kenya University of Agriculture and Technology
01.2021
Diploma in Procurement and Contract Management -
Jomo Kenya University of Agriculture and Technology
01.2017
Skills
- Financial Analysis and Budget Management
- Reconciliation and Data Analysis
- Project Management
- Fraud Analysis and Dispute Management
- Risk Management and Assessment
- Customer Relationship Management
Certification
- Build an Effective Dispute Case
- Arbitration Case Filing Time Limits
- Dispute Case Filing in Visa Resolve Online
- Dispute Pre-Filing in Visa Resolve Online
- Fraud Disputes - Category 10 Processing Messages in Visa Resolve Online
- Understanding Visa Dispute Rules
References
- Allan Kariuki Gitari, Manager Payment, KCB Bank, +254723291935
- Nancy Kinyua, Manager Risk, I&M Bank, 254728981625
Timeline
Senior Card Operations Officer
Commercial International Bank (Kenya) Limited
04.2022 - Current
Card Operations Financial and Settlement Analyst
National Bank of Kenya Limited
10.2017 - 04.2022
Bachelors of Procurement and Contract Management -
Jomo Kenya University of Agriculture and Technology
Diploma in Procurement and Contract Management -
Jomo Kenya University of Agriculture and Technology
- Build an Effective Dispute Case
- Arbitration Case Filing Time Limits
- Dispute Case Filing in Visa Resolve Online
- Dispute Pre-Filing in Visa Resolve Online
- Fraud Disputes - Category 10 Processing Messages in Visa Resolve Online
- Understanding Visa Dispute Rules
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