Badenhorst - Fraud Prevention - Elarduspark, Pretoria, South Africa

Lanie Badenhorst

Elarduspark, Pretoria, South Africa

Services

Fraud Prevention

Work History

Business Analyst

PRETORIA

From March 2012

Main Projects:
1. Kinshasa House Plate Administration System
2. Edu-Tool System

Other Projects that I provided assistance on:
1. SAMHS - South African Military Health Services

• Research of Business Processes to establish User Requirements.
• Question all business processes, to see these processes holistically and identify whether improvements are needed.
• Facilitate User Requirement Workshops.
• Documenting new requirements communicated to different parties in a non-technical manner (User Requirement Specification (URS).
• Documenting Use Case Specification (UCS).
• Documenting Functional Requirement Specification (FRS).
• Documenting System Design Specification (SDS).
• Status Quo documents.
• Documenting all Procedures.
• Development of comprehensive Test Plans.
• Testing of developed Systems.
• Communication and Consultation with team members, project managers and other role players.

Treasurer & Administration Officer, Pastoral Counselor

Revival Fire Outreach Ministries

March 2010 - June 2011

Africa Wheels of Hope Missionary Organization (NPO 025-419) - Missionary, Trustee Member & Administration Officer, 1 Sept 2007 - 28 Feb 2010.

VOLUNTEER AND MISSIONARY WORK

Emergency Services Chaplaincy (SA) (NPO 006-333), Chaplain & Tshwane Regional Secretary, Oct 2009 - Current.

(CBS) - Department Manager

CBS

October 2005 - August 2007

: Fraud Administration & Operational Support (30 Oct 2005 - 31 Aug 2007)
• Annual budget forecasting on fraud GL's and submission for management approval.
• Identification and evaluation of all risk areas relating to the department as well as internal and external customers. Preparation of detailed action plans and target dates in order to reduce these risks, or where possible eliminate them and submitting it to management.
• Ensuring that these risk assessments are implemented correctly & timeously for the annual audit performed by group forensic services - internal audit.
• Ensuring that a monthly CEO report is compiled pertaining to all department statistics, losses, and fraud issues as well as arrests.
• Controlling and balancing of fraud loss write offs, within budget guidelines to ensure that no unnecessary write offs are processed.
• Regular evaluation and discussion of staff performance and development plans and ensuring that the necessary training is completed.
• Ensuring that departmental procedures are updated regularly.
• Compiling information and statistics for management reports on a monthly basis.
• Act as liaison and contact person for financial / non-financial institutions.
• Initiating disciplinary measures and steps when necessary.
• Promote teamwork within the department and a satisfactory working environment.
• Ensuring job specifications were regularly updated, conducting interviews with possible candidates for vacant positions.
• Ensuring that the monthly GL balancing and reconciliation of all fraud accounts as well as the risk ageing reports are done correctly and timeously.
• Monthly reporting on all projects in terms of their progress and priority ratings.
• Ensuring that all departmental requirements are documented in terms of system development or report requirements/enhancements.
• Ensuring that department costs are kept in line with budget.
• Attendance of meetings and feedback sessions for all new systems, new requirements and fir's...

(CBS) - Department Manager Fraud Detection & Administration

First National Bank

August 2003 - October 2005

Firstly to facilitate and organize the fraud detection and administration department dealing with debit card fraud on Visa Electron, cheque and petrol cards.
• Annual budget forecasting on all fraud related GL accounts and submission for management approval.
• CAPEX Budgets.
• Identification and evaluation of all risk areas relating to the department as well as internal and external customers. Preparation of detailed action plans and target dates in order to reduce these risks, or where possible eliminate them and submitting it to management.
• Ensuring that these risk assessments are implemented correctly & timeously for the annual audit performed by group forensic services - internal audit.
• Ensuring that a monthly report is compiled for the chief executive officer pertaining to all department statistics as well as losses.
• Controlling and balancing of fraud loss write offs, within budget guidelines to ensure that no unnecessary write offs are processed.
• Formulation and evaluation of staff performance appraisals.
• Formulating and updating of departmental procedures.
• Compiling information and statistics for management reports on a monthly basis.
• Act as liaison and contact person for financial / non-financial institutions.
• Accommodation of clients by applying debit card policies and rules.
• Initiating disciplinary measures and steps when necessary.
• To promote teamwork within the department.
• Facilitate resignations, interviewing and employment of new staff members.
• Ensuring that the team leader delegates and implement clerical functions and duties.
• Co-ordination and follow through of staff training, both departmental as well as via training department.
• Ensuring that the monthly GL balancing and reconciliation of all fraud accounts as well as the risk ageing reports are done correctly and timeously.
• Handling all system change notifications as well as drawing up a business feasibility detailing the cost generation, productivity and...

(CBS) - Supervisor

First National Bank

June 2003 - August 2003

Opening and managing of all new and existing fraud cases.
• Managing of fraud cases, which include reimbursement of cardholder accounts, a retrieval request of sales vouchers, chargebacks, arbitration and compliance processes.
• Reconciliation and balancing of all fraud accounts as well as department GL accounts.
• Fraud accounts on which no funds could be recovered are prepared for write off.
• Handling and completion of all representations from other commercial entities.
• Chargeback of all identifiable fraudulent transactions.
• ICS Application - respond to disputes raised by way of copy request, investigation, and chargeback in accordance with the visa rules (local and international).
• DCS Mainframe Application - raise disputes where necessary, release duplicate disputes, investigate outstanding authorizations & declined authorizations when queried by the customer/branch.
• Assist & advise branches with funds held in reserve on the customer's account where necessary.
• Reconciliation of the general ledger accounts applicable to ICS & DCS.
• Passing manual accounting entries as required.
• Requesting copy vouchers required for fraud investigations / court cases.
• Chargebacks and delivering outgoing chargeback documentation in accordance with the Visa Rules & Regulations.
• Maintaining a sound knowledge of the Visa Operating Rules & Regulations.
• Representments & Arbitration in accordance with the Visa International Rules & Regulations.
• Daily communication (written, electronic and telephonic) with FNB Branches (South Africa, Botswana, Namibia etc.), customers, all other financial entities and FNB Merchant Acquiring Department.
• Compilation of weekly, monthly, quarterly and annual reports for the CBS Management Team.

Achievements/Reason for leaving: Promotion to Department Manager: Debit Card Fraud Detection and Administration.

(BBPH) - Debit Card Interchange & Dispute Resolution Specialist

First National Bank

December 2002 - May 2003

Image plus application - indexing, scanning, monitoring and control of workflow.
• ICS Application - respond to disputes raised by way of copy request, investigation, and chargeback in accordance with the visa rules (local and international).
• DCS Mainframe Application - raise disputes where necessary, release duplicate disputes, investigate outstanding authorizations & declined authorizations when queried by the customer/branch.
• Assist & advise branches with funds held in reserve on the customer's account where necessary.
• Reconciliation of the general ledger accounts applicable to ICS & DCS.
• Passing manual accounting entries as required.
• Requesting copy vouchers and the collection of these vouchers.
• Chargebacks and delivering outgoing chargeback documentation in accordance with the Visa International Rules & Regulations.
• Maintaining a sound knowledge of the Visa Operating Rules & Regulations.
• Representments & arbitration in accordance with the Visa Rules & Regulations.
• Following the instructions issued by the branch concerned in relation to crediting the cardholder account or charging back to the merchant concerned.
• All administration associated with those actions.
• Daily communication (written, electronic and telephonic) with FNB Branches (South Africa, Botswana, Namibia etc.), customers, all other financial entities and FNB Merchant Acquiring Department.
• Compilation of weekly, monthly, quarterly and annual reports for the BBPH Management Team.

Achievements/Reason for leaving: Promoted to Supervisor.


SAAMBOU CONNECT & 20TWENTY FINANCIAL SERVICES - PRETORIA & CAPE TOWN

Fraud Officer , Ad-hoc Credit Administrator and Financial Administrator

Receiver of Saambou Bank Excluding Assets

September 2002 - December 2002

(1 Sept 2002 - 27 Dec 2002)
• Referral of all invoices to the curator's offices, for approval of payment.
• Referral and processing of all business claims such as travel allowance and petrol as well as accommodation claims etc.
• Ensuring that all the required reports are referred to financial manager at the Cape Town office.
• General assistance in finance department as required by the financial manager.
• Delivering a high level of service to all internal and external customers.
• Daily contact and interaction with finance department as well as other related departments in order to process journals for payment of creditors etc.
• Providing assistance to credit department in the collection process of all outstanding debt on staff credit cards.
• Passing credit adjustments on credit cards, which form part of the settlement balance.
• Contacting of current and previous staff members in order to make the necessary arrangements before the settlement and closure of credit card accounts.
• Handling all incoming customer queries with regard to their accounts (payment of accounts, settlement of full outstanding balances, loading of debit order instructions)
• Early detection of fraud cases on credit cards.
• Managing of fraud cases, which include reimbursement of cardholder accounts, retrieval requests of sales vouchers, chargebacks, arbitration and compliance processes, and reconciliation of all fraud accounts as well as department GL accounts.
• Reporting all fraud cases and transactions on the safe system and to management.
• Reporting the potential loss against the actual losses incurred.
• Identifying and reporting new fraud trends and statistics.
• Fraud accounts on which no money could be recovered are prepared for write off.
• Formulation and documentation of departmental processes and procedures.
• Monthly input and formulation of the fraud management reports.
• Input for the fraud department budget.
• Identification and evaluation of all risk areas relating to...

Fraud/Risk Officer

Saambou Connect and 20Twenty Financial Services

January 2001 - August 2002

Early detection of fraud cases on credit cards.
• Managing of fraud cases, which include reimbursement of cardholder accounts, retrieval requests of sales vouchers, chargebacks, arbitration and compliance processes, and reconciliation of all fraud accounts as well as department GL accounts.
• Fraud accounts on which no money could be recovered are prepared for write off.
• Ad-hoc responsibilities such as providing the relevant training to other connect employees as well as 20twenty staff in Cape Town.
• Formulation and documentation of departmental processes and procedures.
• Monthly input and formulation of the fraud management reports.
• Input for the fraud department budget.
• Yearly budget forecasting and submission for management approval.
• Identification and evaluation of all risk areas relating to the department as well as internal and external customers. Preparation of a detailed action plans and target dates in order to reduce these risks, or where possible eliminate them and submitting it to management.
• Ensuring that these risk assessments are implemented correctly & timeously.
• Providing the required management information to head management timeously.
• Input for the fraud management system as well as the testing thereof. This was measured and evaluated by management on the functionality of the system, as exceeded.
• Input on the requirements and creation of 20twenty's daily / monthly fraud reports, which were measured and evaluated by management on the effectiveness of the reports, as tasks and input exceeded.
• Input and implementation of the safe file (system to avoid fraud effectively) as well as the testing of this particular system and file layout.

Over achievement of Key Performance Areas (going the extra mile):
a) Always willing to assist with enthusiasm - tasks not related to daily activities;
b) Initiatives and input with the development of the Confraud System;
c) Assistance provided to other departments (e.g. Chargebacks).

I was...

ABSA Bank Credit Card Control Call Centre- Department Manager

Fraud and Risk Department

May 2000 - September 2000

(Headhunted). This provided me with an opportunity to be more involved on the Technical and Business side, decisions making, input and start-up side of the Fraud and Risk Department as I have a lot of experience in Fraud and Risk Management Best Practices. I would also be responsible for the training of the 20Twenty staff in Cape Town.

2. ABSA Bank Credit Card Control Call Centre- Department Manager (1 May 2000 - Sept 2000)
• Facilitate and organize the card control department dealing with returned credit cards and statements from branches, the post office as well as all CCI inquiries and authorization letters from 3rd parties to collect credit cards.
• Daily follow-up of action plans.
• Formulating and updating of departmental procedures.
• Resolving queries and complaints from internal as well as external customers.
• Compiling information and statistics for management reports.
• Placing of "hold" statuses on all dormant credit card accounts.
• Ensure that a high quality production level as well as workflow standards are constantly maintained.
• Manage and approval of all 3rd party authorizations letters to secure mail.
• Approval/authorization of "search" process of cards at Embossing department.
• Management and training of all personnel.
• Input for client newsletters sent out on a monthly basis.
• Formulation and regular evaluation of critical performance areas of all personnel.
• Co-ordination of leave programs, lunches and attendance registers.
• Instruction of disciplinary measures when necessary.
• To maintain a secure and sound working environment and motivation of staff.
• Tabulation and control of productivity levels.
• To ensure that the tools necessary in order to complete and carry out duties by staff, are sufficient and in working order.
• Facilitate resignations, interviewing and employment of new staff members.
• Allocation and preparation of staff increases, incentives (monthly/quarterly) and shares within the provided budget.
• Annual...

Department Manager

ABSA BANK - PRETORIA CBD & CAPE TOWN

October 1999 - April 2000

& 4 Sep 2000 - 19 Jan 2001)
• Firstly to facilitate and organize the administration department dealing with credit card fraud on Visa, MasterCard as well as garage cards.
• Exercise control and balancing of fraud loss write offs, within budget guidelines.
• Formulation of "client liability" letters.
• Formulation and evaluation of critical performance areas of all personnel.
• Focus specifically on high value/risk fraud files. (Files in excess of R15, 000)
formulating and updating of departmental procedures.
• Compiling information and statistics for management reports on a monthly basis.
• Act as liaison and contact person for financial / non-financial institutions.
• Instruction of disciplinary measures when necessary.
• To promote teamwork within the department.
• Facilitate resignations, interviewing and employment of new staff members.
• Delegation and implementation of clerical functions and duties.
• Co-ordination and follow through of staff training, both departmental as well as via training department.
• Allocation and preparation of staff increases, incentives (monthly/quarterly) and shares within the provided budget.
• Annual budget forecasting and submission for management approval.
• Identification and evaluation of all risk areas relating to the department as well as internal and external customers. Preparation of a detailed action plans and target dates in order to reduce these risks, or where possible eliminate them and submitting it to management.
• Ensuring that these risk assessments are implemented correctly & timeously.

Non-departmental functions
• Creation of a multi-skilled in-house training structure which involved the following activities:
• Formulation and acquirement of all training material.
• Scheduling of attendees as well as presenters for the particular training session.
• Drawing up of training material for merchants and regional office members.
• Once the above-mentioned structure was in place, the function was removed due to...

Supervisor

ABSA Bank Credit Card Fraud Department

April 1995 - October 1999

Assistance, guidance and supervision were provided to the employees.
• Additions and deletions of account numbers on speed point and hot card listings.
• Writing off of all accounts on which no money could be collected.
• Analytic formulation of monthly management reports and graphs pertaining to fraud transactions.
• Monthly and annual reconciliation of all write off accounts, international card fraud and ATM transactions.
• Managing and clearing of OTP suspense account on a daily basis.
• Specialized in pre-compliance, pre-arbitration and arbitration procedures.
• Handling of all impounded cards at merchants (payment of rewards).
• Co-ordination of all required departmental and inter-departmental training. The arrangement of external training also forms part of this function.
• To manage and exercise controls in my section in an effective manner in order to maximize profit and minimize unnecessary write off's.
• Handling and completion of all representations from other commercial entities.
• Chargeback of all identifiable fraudulent transactions.
• Controlling and managing of "CASS online transfer" lists for financial year-end.
• Controlling and managing of "plastic/account transfer" list on a daily basis.

Achievement/Reason for leaving: Promotion - Department Manager: Fraud Administration

Stolen Card - Call Centre Agent

Credit Card Lost

May 1995 - December 1995

Collection of all the relevant information, as supplied by the customer.
• Placing lost/stolen status on the card by using specific category codes.
• Supplying the cardholder with a reference number for his records.
• Place "lift" instruction on cards to be collected at branches / collection at card division.

Reason for leaving: Additional night shits.


COMPUTER LITERACY
1. Microsoft Word
2. Microsoft Excel
3. Microsoft Outlook
4. Microsoft Outlook Express
5. Internet proficient
6. Microsoft PowerPoint
7. Microsoft Visio
8. Publisher

SYSTEMS KNOWLEDGE
1. ITC (Information Trust Corporation)
2. Beltel System (Telkom System)
3. GBKB (Gesamentlike Banke Krediet Buro)
4. Fraud Management System (PRISM) - First National Bank
5. Bankserv FMS (Fraud Management System)
6. Bankserv Chargeback System
7. Ai Risknet (Fraud Detection System)
8. Prime (Credit Card System)
9. Confraud (Electronic Fraud Management System)
10. Mobius (Saambou Archiving System)
11. Postillion (Saambou & 20Twenty Authorization System)
12. CA Fraud Management System (Computer Associates)
13. Visa Fraud Information Service (VOL)
14. INJ - Fraud Reporting System
15. Eastman (Workflow System)
16. 3270 Extra (Saambou Branch System)
17. I-Wealthview 3.2.1. (20Twenty Credit Card System)
18. Vectus (20Twenty Workflow System)
19. Hogan Mainframe Application - First National Bank
20. DCS (Debit Card System) - First National Bank
21. CS (Online Collection System)
22. Image Plus - Archiving System (First National Bank)
23. ICS - Chargeback System - First National Bank
24. ESSI - First National Bank PayPeople System
25. VROL
26. Orbit Incident Reporting - Group Forensic Services Auditing System
27. EOS - Enterprise Output Solution
28. RSD Folders

Cheque Administration Clerk

Trustbank, Wynberg

April 1994 - April 1995

Balance certificates, tax certificates and completion of auditor's letters.
• Handling of unpaid cheques and administration pertaining to it.
• Telegraphic transfers of funds and telexes.
• Stop payments, stop orders and debit orders as well as the administration pertaining to it.
• Handling of all incoming Yufig's (refer to drawer cheques)
• Cheque account closures as well as transfers to other ABSA branches or banks.
• Risk grading and keying in of overdraft facilities.
• Handling and completion of all credit card queries.
• Updating of all address changes.

Achievements/Reason for leaving: Promotion B3 Job Band. Accepted a transfer back to Pretoria due to my father's ill health.

ABSA Bank Credit Card Fraud Identification & Administration Department

From April 1992

Transactional confirmations on reported lost/stolen cards that could possibly be of a fraudulent nature.
• Confirmation of transactions on accounts with multiple / excessive transactions on a daily basis.
• All required administration on fraud files in order to reduce fraud losses by applying MasterCard and Visa Chargeback rules.
• Balancing and reconciliation of client, and fraud suspense accounts.

Reason for leaving: Transfer to Trustbank Wynberg - Cape Town

Call Centre Agent

ABSA Bank Credit Card Authorizations

From January 1992

- Mrch 1992)
• To gain the relevant information in order to complete a requested authorization for merchants on cardholder credit card accounts.
• Manual authorization of transactions if the client's account permitted it.
• Placing transactions on budget facility or the straight account as requested by the cardholder.
• Completion of local and international authorizations either via telex or telephonically.

Reason for leaving: I was offered a position within the Fraud Department.

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