Open To Work
CHRISTIANA SORH
OSU-ACCRA
Work Preference
Summary
Highly-motivated employee with desire to take on new challenges. Strong work ethic, adaptability, and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.
Overview
21
21
years of professional experience
9
9
years of post-secondary education
Work History
HEAD EBUSINESS SETTLEMENT & MOBILE MONEY RECON/OPERATIONS
Guaranty Trust Bank (GH) LIMITED
02.2018 - Current
- Processed all merchant settlements (VISA, MasterCard, GTPay, and POS) with accuracy and timeliness, ensuring smooth transaction flow.
- Review and authorize all merchant web and POS settlements
- Ensure all card-related settlements (VISA, MasterCard, CUP AND GHLink) are processed accurately
- Ensures daily reconciliation of mobile money suspenses, OVA’s and its mirror ledgers for transactions performed across our digital channels such as USSD, Myghpay, Internet Banking etc.
- Ensure daily proofing of mobile money ledgers and the pool wallet.
- Handles and Monitors Ghipps Instant pay transactions reconciliation and settlements.
- Secured funding for bank's OVA accounts, enhancing operational efficiency and enabling seamless mobile transactions.
- Oversaw purchase and conversion of Ecash to support seamless mobile money transaction operations.
- Coordinated with Treasury to maintain adequate funding of MasterCard Settlement accounts, effectively managing account balances to prevent excesses.
CARDS FRAUD MANAGEMENT OFFICER (ESETTLEMENT)
Guaranty Trust Bank (GH) LIMITED
08.2016 - 02.2018
- Monitor Cardholder transaction patterns on Fraud Analyzer for possible suspicious transactions.
- Responsible for deploying best risk management practices to protect the bank and customers against electronic fraud.
- Handle incoming and outgoing POS and Web merchant’s chargeback and representment
- Setting up risk rules for ecommerce transactions on the MasterCard platform.
- Monitoring merchants transactions for early fraud detection
- Investigate and reconcile GHLINK transaction files to ensure timely and efficient resolution.
- Investigate all suspicious transactions from Visa, MasterCard and customers for possible resolutions and report same to unit head.
- Preparing and submission of Fraud report as and when necessary.
- Assist in the setup of merchants on GTPAY and daily report generation.
CHARGEBACK ANALYST (CARDS OPERATIONS)
Guaranty Trust Bank (GH) LIMITED
05.2013 - 07.2016
- Handle incoming and outgoing Visa chargebacks and representment transactions within the approved timelines using visa access.
- Handle incoming and outgoing Mastercard chargebacks using mastercard connect
- Investigate and reconcile daily card transactions adjustments files to ensure timely and efficient resolution of unsuccessful card transactions and refunds.
- Handle staff referrals, exceptional customer / branch staff enquiries and irregular cases in accordance with service standards.
- Preparation of Monthly proofs on chargebacks and representment.
- Generating and sending unsuccessful ATM withdrawals report to branches
ATM/E-ZWICH OFFICER (E-BUSINESS)
Procredit Savings and Loans Co.Ltd (Fidelity Bank)
07.2010 - 04.2013
- Clearing and Settlement
- Reconciliation, balancing and collected reports
- Reporting and resolving rejects and errors.
- Archiving statement reports
- Card Issue
- Maintaining card holder database (new requests and card replacement, PIN reissue).
- Receiving and checking the personalized cards and supervise overall process of cards delivery
- Maintaining cards reissuing monthly data and coordinating with branches.
- Administrating archives of locked and returned cards.
- Receiving claims analyzer and report in order to resolve cardholders' claims retained in ATM.
- Embossing cards in ITC & Customware
- Responsible for managing and ensuring uncollected cards are cancelled from the card management system and destroyed
- Responsible for managing captured cards to and from other banks in a timely manner as per Visa operating regulations.
- Approve new cardholder account (ensure card records and application details are set up and kept in order)
- Ordering of new cards
- ATMs
- Monitoring, maintaining and reporting on ATM service and network operation
- Analyzing, reporting and resolving withdrawal rejects reversal claims and technical errors.
- Organizing and reporting on ATMs delivery and installation.
- Contacting branches, technical services, third party processor and vendor in order to resolve malfunctions and operation
- Checking of malfunctions.
- Reporting on ATM dispense errors.
- Replenishing and Filling of ATMs.
Back Officer
Procredit Savings and Loans Co.Ltd (Fidelity Bank)
08.2008 - 06.2010
- Processing of credit information forms
- Ensure that supplied data sources comply with standards
- Printing of loan agreements
- Registering all non-cash operations outgoing money transfers (within branch, between branches, credit transfers between banks)
- Provide IT support to users in the branch.
- Processing of inward and outward cheques.
- Payments of Salaries of clients
National Service/IT Support
Ministry of Finance and Economic Planning
08.2006 - 08.2008
- Training staff in the MDAs to use an Oracle Financial System.
- Attend to the day to day troubleshooting on the oracle application
- Assist Budget Officers to process specific warrants for the various MDAs
- Generating Warrants for CAGD.
- Setting up new users on the system
Internship Student
International Institute for Information Technology
06.2005 - 08.2005
- Researched computerization methods for Manhyia Palace operations.
Education
EFFICIENT CHARGEBACK , ARBITRATION & COMPLIANCE -
MASTERCARD WORLDWIDE
Accra 11.2025 - 12.2025
EBUSINESS OPPORTUNITIES AND RISK -
NATIONAL BANKING COLLEGE
Accra 06.2018 - 06.2018
BSc - Computer Science
Valley View University
Accra 08.2002 - 05.2006
Advanced Computer Software Certificate -
QLC Computer School
Cape coast 12.2001 - 12.2002
WAEC SSSCE -
Breman Asikuma Senior High School
Breman 04.1996 - 12.1999
Skills
- Card settlement
- Fraud analysis
- Reconciliation processes
- Chargeback management
- Payment processing
- E-commerce transactions
- Compliance standards
- Merchant support
- Banking operation
- Process optimization
- Adaptability
- Problem solving
- Independent work
- Team collaboration
- Leadership expertise
- Motivation techniques
- Attention to detail
Accomplishments
- Ensured 100% daily reconciliation of key mobile money ledgers and card suspense’s ensuring zero discrepancies.
- Strengthened financial integrity through consistent proofing of high-value ledgers.
- Reduced reconciliation errors by proactively detecting and resolving mismatches early.
- Demonstrated strong analytical skills, attention to detail, and ownership in resolving critical financial incidents.
- Improved workflow efficiency by structuring and prioritizing key operational activities.
- Optimized ledger funding processes, preventing float shortages and transaction delays.
- Ensured timely ECash generation and liquidation, maintaining liquidity balance.
Bio Data
Saltpond, Central Region, Ghanaian, Married
Hobbies and Interests
- Reading
- Walking
- Listening to Music
Achievements And Responsibilities
- Valley View University, Best Computer Science Female Student, 2006
- Computer Science Students Association(CoSSA) –Valley View University, Financial Secretary, 2004 - 2006
- Breman Asikuma Senior High School, Library Prefect, 1996 - 1999
Personal Skills And Abilities
- Ability to work independently or as part of a team
- Proven Leadership skills and ability to Motivate
- Able to work long hours, Fast learner and Trainable
Timeline
EFFICIENT CHARGEBACK , ARBITRATION & COMPLIANCE -
MASTERCARD WORLDWIDE
11.2025 - 12.2025
EBUSINESS OPPORTUNITIES AND RISK -
NATIONAL BANKING COLLEGE
06.2018 - 06.2018
HEAD EBUSINESS SETTLEMENT & MOBILE MONEY RECON/OPERATIONS
Guaranty Trust Bank (GH) LIMITED
02.2018 - Current
CARDS FRAUD MANAGEMENT OFFICER (ESETTLEMENT)
Guaranty Trust Bank (GH) LIMITED
08.2016 - 02.2018
CHARGEBACK ANALYST (CARDS OPERATIONS)
Guaranty Trust Bank (GH) LIMITED
05.2013 - 07.2016
ATM/E-ZWICH OFFICER (E-BUSINESS)
Procredit Savings and Loans Co.Ltd (Fidelity Bank)
07.2010 - 04.2013
Back Officer
Procredit Savings and Loans Co.Ltd (Fidelity Bank)
08.2008 - 06.2010
National Service/IT Support
Ministry of Finance and Economic Planning
08.2006 - 08.2008
Internship Student
International Institute for Information Technology
06.2005 - 08.2005
BSc - Computer Science
Valley View University
08.2002 - 05.2006
Advanced Computer Software Certificate -
QLC Computer School
12.2001 - 12.2002
WAEC SSSCE -
Breman Asikuma Senior High School
04.1996 - 12.1999