Mar 2021 - Present: Conducting full APP ( Authorised Push Payments ) Scam Victim claim investigations based on CRM ( Contingent Reimbursement Model ) as normative base, including: • Extracting relevant information from the Claimant’s testimony to assess degree of Claimant’s liability. Dominant proof method : Balance of probability.• Multi Factor Assessment of Sending Bank liability status. • Liaise with Receiving Bank for SLA (Service Level Agreement) response for potential liability and/or recovery and finalising final Outcome of investigation. • Calculating refund as per three or more sides combinations of binary (Liable/ Not liable) liability status with possible recovery and corresponding repatriation. Completing possible internal sundry accounts reconciliation. • Following internal process designed to guarantee TCF (Treating Customers Fairly) • Scanning for First Party Fraud through account behaviour analysis and logical inconsistencies in testimony.• Achievements: Challenge CRM misinterpretation resulting in disbalance of Stakeholder’s interests.Nov 2019 – Mar 2021 : Logging new and updating existing Fraud and Scam claims on behalf of Customers, preparing input data for investigations. Reissuing bank services as part of risk management Liaising with other Fraud sub departments. Jan 2019 – Nov 2019 : I was part of a subsection of fraud department, specialized in two work streams: • Blocking and removing funds from alleged scam or fraud beneficiary's account after report from sending bank that our customer is beneficiary of scam or fraud funds.• Communicating with the sending bank about the outcome of the investigation. Using rule of Clayton's case from Common Law in UK through FIFO method, calculate remaining funds and prepare repatriation. • Establishment of some aspects of Bank liability - whether the Bank as receiving bank have done everything to protect victim's funds in accordance with CRM code.

Screening passengers and luggage at Critical Part of Security Restricted Areas at the Airport according internal and Regulator's procedures.

My role was primary connected with policyholders' data retrieval from database (Transfer Values of Pension pots or Regulatory imposed Projections) and manually inputting it in excel spreadsheets from where Manual Calculations Team took over the process.

Oversee the end-to-end invoicing process for transportation services. Auditing freight rates and rating methods, ensure that all costs associated with the company’s transportation services are invoiced efficiently and accurately.

Customer Identification and Verification Analysis as first line of defense in Fraud Department, part of Financial Risk Management division. Activity included persistent application of the four elements of sound KYC programme:• Customer Acceptance Policy• Customer Identification• On-going monitoring of higher risk accounts• Risk managementThe activity combines compliance knowledge with multitasking, research, presentations and communications skills. I witnessed the strive to balance between Risk Management for compliance purposes, Risk Management for supporting company's performance goals and from the other hand to not impact negatively customer experience.

Participating in documents workflow. Processing inbound and outbound post. Scanning and electronic allocation of documents to the relevant departments: Legal, Complaints, Debt Management, Collection or Trace (process known as Indexing). Completing the final stage of writing off the Customer's balance (Debt). Verifying the agreed final settlement by double checking the reason and the agreed parameters of the deal such as percentage of the discount and amount. Triggering software generated outbound letters and leaving notes in company's internal software systems as FCA requirement for information storage and management. Broad periodic training of the FCA compliance in respect to dealing with Customers with near 100% scores on the tests.

Interpreting from/Into English - Russian - Bulgarian, bridging the linguistic gap between service users such as NHS, Justice System, Private Contractors.

I have received rigorous intensive training about application of PCI DSS and FCA's policies for Fair Dealing with Customers, Money Laundering, Bribery, Fraud prevention and Formal Protocol of Complaint Procedure. Common activities included, Cardholder Verification in the context of PCI DSS, conveying Credit Card Products specifications to prospective and existing customers of the outsourcing client, without crossing the border with Financial Advice field, Block and Transfers with transactions verification, Money Transfers, Debt Transfers, Direct Debit set up and amend, Payments from different channels and timescales, balance and transactions queries.The position demanded to grasp Credit Card time series calculations, authorizations, authentication process, settlement and clearance, through navigation of TS2 card processing system. Providing the customer factual information using plain English instead of jargon, in a positive mood for delivering outstanding customer service during inbound calls. Liaise with Fraud Department, Collections, Operations team.

Administration of Bond Loan Emissions. Undertaking Trustee functions on behalf of the bank including: • Ensuring regulatory compliance for IPO and Bond Issue , respectively interacting with the national regulator: Financial Supervision Commission (FSC). • Credit quality monitoring of pools of underlying assets in Asset-backed securities, ensuring adherence to debt covenants, other contractual arrangements and national law. • Liaising with Payment department for in/out cash settlement in conjunction with security origination and placements.• Liaising with Dealing department in regard to interest rate value of floating-rate debt securities. • Periodic reports’ preparation of fixed income securities for payments schedule and term structure

I was part of four members control body, charged to conduct exhaustive control over the credit approval activity of about 30 members of Credit and Debit Card Department. Duties included Operational and Credit risk assessment with authorisation functions and authority to enter into contract from behalf of the Bank as a final stage of debit and credit card limit approval before transferring the order for cards issuing.

Participating in electronic file processing and communication with National Card Operator in conjunction with debit and credit card two way money flow settlement. Organising logistics of debit and credit cards.

Interacting with customers presenting them and performing all types of retail banking products at front office level. Applying high level of integrity and thorough familiarity with technical aspects of product range providing clients with options for informed decisions.