Summary
Overview
Work History
Education
Skills
Accomplishments
Languages
Affiliations
Timeline
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Ernest Kwabi

Accra,Ghana

Summary

Accomplished professional with extensive expertise in fraud detection and prevention, negotiation, and conflict resolution. Demonstrates exceptional interpersonal skills, critical thinking, and attention to detail. Proficient in Mastercard Connect, Visa Access Portal, GHIPSS Portal, and core banking platforms. Adept at managing card/payment business risk and operations within international card networks. Strong problem-solving abilities and a proven track record of motivating teams to achieve business results. Career goal: To leverage skills in a challenging role that drives organisational success.

Overview

6
6
years of professional experience
8
8
years of post-secondary education

Work History

Risk and Fraud Officer

GCB BANK Plc.
Accra, GH
10.2022 - 02.2025
  • Managed chargeback processes by investigating disputed and fraud-related transactions, maintaining accurate records, and compiling trend reports.
  • Analyzed and monitored e-banking transactions using fraud detection tools to identify suspicious activity and potential security risks.
  • Reviewed and developed fraud prevention rules and implemented risk mitigation strategies.
  • Proposed enhancements to improve security measures and reduce incidences of fraud and chargebacks.
  • Collaborated with internal teams (IT, legal, compliance, customer experience) and external partners to bolster risk and fraud prevention initiatives.

National Service, Risk and Chargeback Clerk

GCB BANK Plc.
Accra, GH
10.2021 - 09.2022
  • Investigated transactions, including "Debit without Dispense," and coordinated with the settlement team for reversals.
  • Raised issuer chargebacks across various card scheme portals while providing transaction status updates to the e-support team.
  • Collected evidence to respond to acquirer chargebacks and analyzed related data from multiple card payment platforms.
  • Compiled chargeback statistics, identified trends, escalated findings, and initiated appropriate Chargeback/Retrieval procedures.
  • Coordinated customer refunds with the settlement team for accurate payment processing.

KYC Clerk, Internship

Societe Generale Bank, Ghana
Accra, GH
07.2019 - 09.2019
  • Managed effective remediation with the senior staff with action plans to respond to audit discoveries and compliance violations through thorough remediation exercises
  • Liaised with senior KYC management, internal audit and employee services departments to direct compliance issues to appropriate channels for investigating and remediating customer's account files
  • Played key role in development and launch of Knowing Your Customer (KYC) Remediation Program by providing updated account files to reduce overdue compliance activities

Education

Bachelor of Technology - Accounting and Finance

Accra Technical University
Ghana
09.2022 - 09.2024

Higher National Diploma - Accounting and Finance

Accra Technical University
Ghana
09.2018 - 09.2021

WASSCE - General Arts

Anum Presby Secondary School
Ghana
09.2014 - 05.2017

Skills

  • Fraud detection and prevention
  • Dispute resolution
  • Risk Assessment & Management
  • Fraud Detection & Investigation
  • Cybersecurity Knowledge
  • Regulatory & Compliance Expertise
  • Digital Payment Systems Knowledge
  • Problem solving
  • Teamwork
  • Card Business Operations
  • Core banking platforms
  • International Card Networks

Accomplishments

  • Developed a cloud site for GCB branches and customer service teams to efficiently report card dispute incidents to the Risk and Fraud Unit.
  • Contributed to Societe Generale Bank's KYC Remediation Team as an intern.
  • Speaker of Council - Association of Technical Universities Accountancy Students (2020-2021, ATU Chapter).
  • Boys Prep Prefect at Anum Presby Senior High School (2016-2017).
  • Cadet Sergeant (Physical Training Instructor) - Anum Presby Army Cadet Corps (2016-2017).

Languages

English
Fluent

Affiliations

  • Reading
  • Driving
  • Hiking
  • Swimming

Timeline

Risk and Fraud Officer

GCB BANK Plc.
10.2022 - 02.2025

Bachelor of Technology - Accounting and Finance

Accra Technical University
09.2022 - 09.2024

National Service, Risk and Chargeback Clerk

GCB BANK Plc.
10.2021 - 09.2022

KYC Clerk, Internship

Societe Generale Bank, Ghana
07.2019 - 09.2019

Higher National Diploma - Accounting and Finance

Accra Technical University
09.2018 - 09.2021

WASSCE - General Arts

Anum Presby Secondary School
09.2014 - 05.2017

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Ernest Kwabi