Gohar Javaid

Team Leader - Fraud Monitoring & Prevention

Emirates NBD

Dubai

05.2022 - 06.2025

Leading a team of fraud analysts and investigators, overseeing the monitoring of suspicious transactions and potential fraud, providing training and guidance to enhance team capabilities and ensuring alignment with the latest fraud trends and detection strategies.
Developing and periodically updating fraud mitigation rules for in-house detection systems, utilizing SQL to enhance monitoring and prevention efforts on periodic basis.
Responsible for implementing new rules or refining existing ones within Visa Risk Manager and Mastercard Decision Intelligence systems to effectively combat emerging threats and curtail controllable fraud loss.
Liaising with Visa and Mastercard counterparts on advisory projects to refine risk mitigation frameworks, minimizing false positives while implementing enhanced rules aligned with emerging fraud trends.
Working closely with card network team to implement and optimize the 3DS system (VCAS), while continuously developing rules to manage secure fraud. Focusing on enhancing risk-based authentication to increase frictionless approvals for genuine transactions.
Generating and presenting periodic MIS reports on unit performance, reported fraud, authorization, rule performance of fraud mitigation and 3DS authentication systems to higher management in order to support informed decision-making on fraud prevention strategies.
Leading investigations into detected fraud to identify emerging patterns and vulnerabilities, leveraging trend analysis, Common Point of Purchase (CPP) identification, and threshold management. These insights were used to develop and refine short-to-medium-term fraud detection strategies, ensuring proactive risk mitigation.
Actively involved in user acceptance testing (UAT), production deployment, and staff training for new fraud monitoring tools, such as FICO Falcon and other solutions provided by payment networks.
Planning and executing testing strategies to ensure the effectiveness and reliability of fraud prevention and authorization systems throughout their lifecycle.
Engaging with cross-functional teams, including Application Fraud, AML, and the Chargeback Unit, to address authorization and fraud-related issues.
Reviewing and reporting AML cases which are alerted in Internal Control Systems.
Assisting the periodic Internal Audit by compiling and providing the necessary reports, SOPs, manuals and any other documentation required by the audit.

Fraud Monitoring Analyst

Emirates NBD

Dubai

11.2015 - 05.2022

Analyzing transactions data to detect unusual patterns, such as sudden spike in spending, transactions in unfamiliar locations or multiple small transactions.
Using fraud prevention tools and software to identify potential fraud cases.
Investigating alerts generated by automated fraud detection systems.

Customer Services Associate

Emirates NBD

Dubai

08.2014 - 11.2015

Providing authentic and up to date information regarding the bank's products and services to the customers.
Providing high-quality service to customers attending professionally to their day-to-day basis banking needs as part of client-centric client approach in addition to genuinely being in constant contact and communication with them.
Ensuring that timely solutions are provided to customer's complaints or concerns by having continuous follow-ups.

Overview

Work history

Team Leader - Fraud Monitoring & Prevention

Fraud Monitoring Analyst

Customer Services Associate

Timeline

Team Leader - Fraud Monitoring & Prevention

Fraud Monitoring Analyst

Customer Services Associate

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