Leading Financial Crime Initiative : MULTIPLE JURISTICTIONS and BUSINESSES
Ebury is a prominent provider of financial services solutions in multiple jurisdictions, designed to empower small and medium-sized businesses engaged in international trade(B2B). https://ebury.com/
I led the transition to a new transaction monitoring vendor, enabling the company to leverage machine learning for enhanced risk detection. By utilising supervised learning, we reduced false positive alerts by 65%, saving the equivalent of 10 FTE hours. Additionally, we implemented unsupervised learning to identify anomalies in customer behaviour, proactively preventing potential breaches and strengthening the company’s overall security posture.
I collaborated closely with the Data Analytics team to boost transaction monitoring precision by 250% (from 0.08 to 0.28) and screening precision by 200% (from 20% to 60%) within 10 months.
I reduced APP scam fraud by 75% by analysing patterns and implementing preventive rules.
As the Lead Product Manager, I hold a pivotal role in the organisation, contributing to the mission of supporting businesses engaged in international trade through innovative and robust financial services in multiple jurisdictions. My role involves close collaboration with internal and external stakeholders including executive level.
● Overseeing and managing the complete product portfolio, demonstrating expertise in areas related to transaction monitoring, screening, and fraud prevention.
● Acting as the primary point of contact for vendors, ensuring productive relationships and effective utilisation of their solutions via API integrations.
● Defining and managing a comprehensive product roadmap and KPIs aligns with the organisational strategy. I maintain a clear understanding of the expansion into new markets, customer segments and industry schemes, ensuring alignment with the technical delivery roadmap.
● Serving as the product owner, I am proficient crafting product requirement documents, defining epics and user stories, and conducting rigorous grooming sessions with development teams. I am effectively prioritising backlog items, coordinating agile ceremonies, and facilitating sprint planning, ensuring efficient product development processes.
Built an Onboarding Platform for Merchants at Cashflows: AN EXPERIENCE IN BUILDING END TO END AUTOMATED SOLUTION
Cashflows is a fintech, offering comprehensive payment solutions that empower small businesses with end-to-end services for payment processing, facilitating online transactions, and enabling in-person payments. https://www.cashflows.com/
I successfully built up a new B2B auto-onboarding platform which enables partners and Cashflows' direct sales teams to underwrite merchants. Our innovative solution has streamlined the underwriting process, reducing assessment time from a lengthy 10 days to mere hours.
Within just two weeks, identified the pain points in the existing onboarding solution through extensive investigations and interviews with partners and internal stakeholders.
Armed with this knowledge, crafted a compelling business case, which included financial projections and key performance indicators (KPIs). This well-prepared case was presented to the executive committee (Exco) and received budgetary approval.
In a span of three weeks, translated the specific needs of customers into detailed product requirements, establishing a solid foundation for the new platform. This involved comprehensive service design, scope documentation, and a compelling product proposition.
Assessed eight potential vendors for the new onboarding solution. This process involved creating request for information (RFI) and request for proposal (RFP) documents, shortlisting the top three contenders, and collaborating closely with the engineering team to evaluate the vendors from both product and technical perspectives. After careful evaluation, selected the ideal vendor and played a pivotal role in finalising the contract in just four weeks.
Ensured seamless integration of data from five third-party providers' APIs.
Designed Digital Customer Acquisition Experience at Forten: START UP EXPERIENCE
Forten, an emerging challenger bank, embarked on a mission to revolutionise the financial industry by introducing a consumer-centric digital bank that would disrupt the market with a comprehensive range of products and services.
During my tenure as a consultant, I played a key role in defining and delivering requirements for Customer Onboarding and Account Creation (Digital Identity-Know Your Customer or KYC).
Managed the vendor selection and Proof of Concept (POC) process for customer onboarding, which included overseeing the integration of various plugins and APIs.
Facilitated workshops and provided guidance to stakeholders and collaborated closely with the UX/UI team to create wireframes and feature mock-ups, which were then presented to high-level stakeholders for decisions related to user journeys and the product roadmap.
Led the prioritisation and grooming of the backlog, established sprint goals, and ensured that the team had an adequate allocation of story points for their tasks.
Set up Nomo Bank Payments, Transaction Monitoring & Screening : LAUNCHING A NEO BANK IN THE UK
Nomo is a challenger bank which was launched in 2021. https://www.nomobank.com/
I spearheaded the strategic vision and execution of Payments and Financial Crime and delivered below initiatives.
Incorporated with a transaction monitoring and screening vendor, working closely with business Subject Matter Experts (SMEs) to outline the rules and thresholds.
Designed all relevant exception business processes within the Salesforce platform and established associated operating models and Service Level Agreements (SLAs).
Seamlessly integrated with Clearbank to facilitate domestic UK payments and utilised Wise for international payments through the Mambu connector.
Constructed Payment and Fraud Regulatory Reporting systems.
Partnered with PwC to conduct a comprehensive review of all Financial Crime-related legislations, particularly focusing on the FCA FinCrime Handbook, MLR 2017, MLR 2019, SAMLA 2018, Proceeds of Crime Act 2002, Criminal Finances Act 2017, Terrorism Act 2000, and Counter Terrorism Act 2008, ensuring that the bank remained fully compliant with these regulations.
Previous experience at BBVA and Dexia
I delivered various successful programmes at large banks between 2009-2019.
PAYMENT SYSTEMS TRANSFORMATION
Delivered payment systems work stream projects. (i.e. Credit and Debit Cards, POS terminal software, money transfers, bill payments)
Released 195 medium-large size projects (Debit, Prepaid, Credit cards) which generated additional 45% increased revenue for the client.
Managed wide range of stakeholders; sponsors, suppliers, vendors, integrators, card schemes, infrastructure and software development teams with a collaborative approach.
DASHBOARDS
Delivered highly effective consolidated knowledge base and transaction BI solution for a large bank client.
https://www.youtube.com/watch?v=fXGCyub0ew8
DIGITAL BANKING TRANSFORMATION
Redesigned the Retail Internet Banking and Mobile app. of the country's largest private bank. Reengineered UX, UI, workflows, released new functions.
Delivered digital wallet app. which enabled money transfers via two mobile numbers.
Worked directly with programme managers, developers, testers, and customers to define features. Broke down and prioritised backlog items into meaningful user stories according to their value to meet market and customer demands. Assured product backlog items have the attributes of a description, order, estimate, and value.
DIGITAL TRANSFORMATION of OPERATIONS
Delivered Digital Transformation of Branch and Central Operations Change Initiative of a large bank client.
Gathered requirements, did as is / to be process mapping and documentation.
Redesigned, optimised and implemented all internal processes.
Owned backlog grooming and management, created acceptance criteria and drove testing and delivery.
The initiative transformed the client into one of country's premier financial institutions.
CORE BANKING SOLUTION
Delivered in house development of Core Banking Product. Developed new BI, CRM, Payments, Fees & Commissions, Pricing, Savings, Loans, Collections, Campaign Management and Business Process Management products.
AUTOMATED COLLECTION PLATFORM
Introduced fully automated loan collection solution.
Tech Stack
