Raphael Attia Email & Phone Number

Florida, United States

Jacksonville, Florida Area

Key role ensuring daily quality/defect authorization analysis identifying root cause/strategy performance gaps. Directs fraud mitigation tool to create complex and innovative fraud detection rules; utilizes tool to create custom fraud process for improved client experience. Specialist in ATO (account takeover) fraud prevention strategies; implements custom ruleset to re-route potential ATO activity to high priority queue for immediate resolution. Oversees 3D secure transaction monitoring process with focus on suspicious IP addresses, device IDs and geographic locations; leverages findings to develop targeted rules resulting in lower losses for that channel. Liaises with Citi vendors, associations (MC, Visa) and peers to develop working relationships, address system anomalies, share best practices and evaluate new fraud detection tools.Select Accomplishments:- Led extensive revamping of 3D secure rule management system, effectively reducing losses by 25% and lowering the false positive rate.- Proactively became subject matter expert with Tsys Determinator, an advanced decisioning tool targeting fraud with precision, rendering fraudsters unable to test cards without detection.- Utilized fraud prevention tool to evaluate prior cardholder spend history and exclude from rules with similar activity, factoring in prior location activity and calculating distance into logic to optimize existing rules; client escalations were reduced by 60% and false positive rate improved. - Facilitated large scale projects, including testing and deployment of new processor platform (TS2 migration), (Tsys/Broadcom integration project) vendor association scores and tools. - Successfully developed a risk priority process for real time fraud alerts, giving the cardholders the ability to self-resolve and unblock account by text or email without calls; resulting in reduction in live call volume, hold time and IVR cost

Jacksonville, Florida Area

Led rigorous research and analysis of high-risk, suspicious transactions spanning all payment channels to identify and mitigate fraud, preventing potential revenue losses. Reported fraudulent ring activities, including identify theft and money laundering, to CSIS and law enforcement agencies.Concurrently served as Operation Analyst with accountability for maintenance of product control files (PCF) settings for client portfolio; acted as PCF subject matter expert / system administrator, managing user profiles and entitlements.Designed, implemented, and managed fraud monitoring reports to uncover trends / patterns of fraud; leveraged findings to devise real-time fraud prevention strategies and actively block fraudulent transactionsSelect Accomplishments:- Exposed multiple fraud rings; collected and submitted evidence to law enforcement, directly resulting in the arrest and conviction of all suspects, including internal employees.- Developed and implemented successful processes to identify, tag, monitor compromised cards involved in data breaches and create targeted fraud prevention strategies.- Managed multi-factor authentication tool to reduce fraudulent logins and prevent fraudulent ACH transfers through cardholder web portal.- Ensured training for 8-member team of outsourced staff tasked with processing declarations of fraud; team independently created customized reporting metrics and successfully identified new fraud trends.

Conshohocken, Pa

Efficiently answered inbound client emails and phone calls. Utilized various systems and product knowledge to identify problem, root cause and resolution. Researched and resolved issues related to authorization, transactions, funding, file processing and fraud/dispute in North America and Canada. Resolved escalations from lower tiered agents. Tracked inquiries via ticket management system, communicated progress and resolution to clients and internal management team. Ensured timely resolution adhering to all compliance and company rules.