Aisosa Igbinigun
Lagos,Nigeria
Summary
Anticipating and managing risk is becoming increasingly imperative for both governments and every kind of business across the globe. Having gained the right/professional experience, training and certification which have actually strengthened my professional profile and greatly proved that I have the know-how to create value for organizations by successfully managing risk.
Seasoned professional with focus on dispute resolution and fraud analysis. Skilled in identifying and mitigating fraudulent activities, ensuring robust risk management practices. Adept at leveraging analytical tools and methodologies to safeguard company assets and improve operational integrity.
Overview
15
15
years of professional experience
31
31
years of post-secondary education
1
1
Certification
Work history
International Card Dispute Expert & Fraud Analyst
Guaranty Trust Bank Ltd (GTCO)
Lagos, Nigeria
07.2017 - Current
- Responsible for the Bank's international card transaction disputes and international fraud, liaising with card schemes (Mastercard, Visa and Network International etc.), merchants, aggregators, agents, issuers and acquirers in transaction processing and settlement.
- Fraud monitoring of cross-border transactions daily to mitigate against fraud attacks on the cyber space on Mastercard/Visa platform through their respective fraud tools (NFS, VRM, MTI, FMASS)
- Daily review of the transactions flagged by NFS (National Fraud Service) on the Mastercard platform with the Unit Head and Group Head.
- Making good business decision on card transactions globally through enacting some strict business rules on the various platforms for fraud monitoring (Mastercard/Visa/Network International)
- Transaction verification of cardholders through contacting them with attempted/successful fraud in their accounts and taking actions on cards that may have been compromised at terminals/merchants' locations.
- Engage in resolving customer disputes/fraud by ensuring compliance with regulatory standards.
- Regularization of overdrawn accounts for cardholders through detailed investigation to know the reason of the cause and enact possible ways to recover overdrawn funds.
- Reporting unauthorized complaints to internal and external bodies through preparing weekly, monthly and quarterly reports (EFASS, NIBSS, Fraud loss and CBN renditions)
- Collaboration with cross-functional teams to develop strategies for reducing fraud cases effectively.
- Provide trainings/knowledge sharing sessions within the team and touchpoints within the Bank's Group on international card disputes and fraud trends.
- Ensure all International card disputes are promptly responded to within the acceptable/regulatory service level agreement (SLA)
- Respond to any escalations from either external or internal customers (CBN, CPC etc) towards resolution of any international card disputes and fraud related issues.
Local Dispute Resolution Expert: On-Us Transaction
Guaranty Trust Bank Ltd (GTCO)
Lagos, Nigeria
04.2016 - 07.2017
- Responsible for the Bank's local card transactions disputes, liaised with card schemes (Mastercard, Interswitch and Unified Payments), acquirers, issuers in transaction processing and settlement.
- Engaged in resolving customer's local disputes by ensuring compliance with regulatory standards (service level agreement-SLA)
- Collaborated with cross-functional teams to develop strategies for reducing dispense errors effectively.
- Provided trainings/knowledge sharing sessions within the team and touchpoints within the Bank Group on dispense errors.
- Prepared comprehensive reports detailing dispute trends and resolutions to enhance overall operational efficiency.
Dispute resolution Expert; Not-On-Us
Guaranty Trust Bank Ltd (GTCO)
Lagos, Nigeria
07.2013 - 03.2016
- Responsible for resolving other Bank's cardholders dispense errors- claims logged against the Bank, liaising with card schemes as well (Mastercard, Interswitch and Unified Payments).
- Ensured the team is compliant with the CBN regulations, Unified Payments, Extra Switch, Mastercard guidelines and the Bank.
- Ensured all claims (disputes) disputed against the Bank are promptly responded to within the acceptable/regulatory service level agreement (SLA).
- Prepared reports to analyse trends in disputes for overall operational efficiency.
National Youth Service Corps (NYSC)
Access Bank Plc
Lagos, Nigeria
03.2011 - 01.2012
- Involved in preparing error report, Risk Control and self-Assessment (RCSA) reports of the Bank.
- Updating loss data base of the Bank.
- Worked as a marketer for the bank because of its directive to meet up with the target of one million customers before December 31st, 2011, according to the Central Bank of Nigeria (CBN) directive.
Education
Bachelor of Science - Mathematics and Economics
University Of Benin
Nigeria 09.2005 - 09.2010
GCSEs - West African Senior School Certificate
Senior School Certificate
Nigeria 06.1999 - 06.2025
Certification - Training on National Fraud Service and Safety Net
Mastercard Academy
Egypt 11.2018 - 11.2018
Skills
- Fraud awareness
- Fraud identification techniques
- Product knowledge
- Good relationship management
- Cheerful and warm personality
- Sound communication skills
- Good Interpersonal skills and initiative
- Customer Experience
- Analytical skills
Languages
English
Fluent
Affiliations
- Listening to nice beat music and Watching music videos
- Browsing/surfing the internet on recent happenings around the world.
Accomplishments
- Recovered over 90% international chargeback disputes for the Bank.
- Reduction in Card fraud attacks within the Bank's portfolio.
Certification
**Mastercard Africa: Compliance Made Easy.
Mastercard Academy EEMEA
**Team Leadership. Mckinsey & Company
** Self-Leadership. Mckinsey & Company
**Business Leadership. Mckinsey & Company
**Visa University. Introduction to Fraud and Intermediate Dispute Resolution
Timeline
Certification - Training on National Fraud Service and Safety Net
Mastercard Academy
11.2018 - 11.2018
International Card Dispute Expert & Fraud Analyst
Guaranty Trust Bank Ltd (GTCO)
07.2017 - Current
Local Dispute Resolution Expert: On-Us Transaction
Guaranty Trust Bank Ltd (GTCO)
04.2016 - 07.2017
Dispute resolution Expert; Not-On-Us
Guaranty Trust Bank Ltd (GTCO)
07.2013 - 03.2016
National Youth Service Corps (NYSC)
Access Bank Plc
03.2011 - 01.2012
Bachelor of Science - Mathematics and Economics
University Of Benin
09.2005 - 09.2010
GCSEs - West African Senior School Certificate
Senior School Certificate
06.1999 - 06.2025