PHAM MINH KHOI
Fraud Risk Management Expert
Summary
Dynamic Fraud Risk Management Expert with extensive experience at Techcombank, specializing in fraud detection strategies and compliance. Proven ability to enhance operational efficiency through advanced analytics and persuasive communication. Skilled in developing training programs and coordinating with stakeholders to mitigate risks while fostering a culture of awareness and responsibility.
Overview
9
9
years of professional experience
6
6
years of post-secondary education
2
2
Certifications
Work History
Fraud Risk Management Expert
Techcombank
06.2023 - Current
- Developing foundational documentation for FRM framework as policy maker at 2nd Line of defense.
- Providing consultancy on full scope of FRM activities for both 1st and 2nd Line of defense departments: fraud detection and prevention strategies, initiatives, analytics. etc.
- Coordinating for executive governance reporting on fraud risk incidents and trends.
- Designing and implementing fraud awareness campaigns on emerging digital fraud trends.
- Developing bank-wide fraud taxonomy in conjunction with negative listing strategy for balancing risk vs business opportunity.
- Validating data and participating as maker role of SBV’s fraud reporting obligations
- Self-motivated, with a strong sense of personal responsibility.
- Excellent communication skills, both verbal and written.
Fraud Operation Control & Compliance Officer
Citibank N.A In Vietnam
08.2018 - 05.2023
- Coordinating with regional experts to enhance adherence to global practices on detection system processes, authorization and quality control.
- Executing quality assurance processes to assess compliance of fraud detection and prevention operations with existing policies & procedures (Day-2 check).
- Composing policy & strategy documents on fraud management framework.
- Engaging as maker in assessing internal fraud risk of bank processes.
- Preparing managerial reports (weekly, monthly, quarterly) responding to in-country businesses and regional requirementsz, periodical reports to SBV on fraud notifications, responding to ad-hoc requests from SBV and State authorities.
- Coordinating and engaging with internal and external stakeholders in the process of filing Police complaints on fraud-related incidents.
- Engaging on ad-hoc operations byinternal investigation unit.
- Assisted with internal and external audits to confirm compliance with applicable laws and regulations.
- Developed comprehensive training programs to increase employee awareness of compliance requirements and expectations.
- Managed relationships with regulators, maintaining open lines of communication to ensure transparent operations.
- Evaluated new regulations for potential impact on business operations, taking proactive measures to ensure readiness for implementation.
Operation Executive
Eximbank HO
09.2017 - 08.2018
- Providing technical and transactional support for smooth operation of Eximbank as partner for international money transfer companies (MoneyGram, Prabhu, DCOM...)
- Managing account relationships with MSB partners: balance reconciliation, transaction investigation, commission calculation and allocation, etc.
- Delivering guidance for business units (Branches/TOs) in complex cases of implementing internal regulations into international remittance transaction.
- Processing minor cases requests of government authorities/correspondent banks/MSB partners regarding AML / CTF control.
- Preparing managerial reports (weekly, monthly, quarterly), reports to the SBV (Circular 35-11), and other ad-hoc reports as requested, etc.
- Ensured smooth day-to-day operations by addressing any workflow disruptions promptly and effectively.
- Coordinated logistics activities, ensuring timely delivery of products and services to clients.
Operation Executive
SCB HO
11.2015 - 08.2017
- Processing centralized operations of trade finance and international payment by methods of T/T, Collection, LC, etc.
- Preparing managerial reports (weekly, monthly, quarterly), reports to the SBV (Circular 35), reports as request from independent audit,...
- Providing support for allocating inward/outward SWIFT messages to departments in charge.
- Monitoring monthly transaction costs and other unallocated charges on SCB’s Nostro accounts at correspondent banks, handling Nostro account reconciliation,…
- Filing and providing enquiry of accounting documents of trade finance and international payment operations.
- Ensured smooth day-to-day operations by addressing any workflow disruptions promptly and effectively.
- Improved customer satisfaction rates through timely communication and effective issue resolution.
Education
Bachelor's Degree - Banking - Finance
Banking University of Ho Chi Minh City
Ho Chi Minh 08.2011 - 04.2014
Bachelor's - Business English
Banking University of Ho Chi Minh City
Ho Chi Minh 08.2008 - 08.2011
Skills
Bilingual Communication Skills in English and Japanese
Persuasive Business Correspondence
Teamwork and collaboration
Microsoft office
Multitasking
Certification
Modern Banking Specialist certificate by University of Economics and Law’s
Timeline
Fraud Risk Management Expert
Techcombank
06.2023 - Current
Fraud Operation Control & Compliance Officer
Citibank N.A In Vietnam
08.2018 - 05.2023
Operation Executive
Eximbank HO
09.2017 - 08.2018
Operation Executive
SCB HO
11.2015 - 08.2017
Bachelor's Degree - Banking - Finance
Banking University of Ho Chi Minh City
08.2011 - 04.2014
Bachelor's - Business English
Banking University of Ho Chi Minh City
08.2008 - 08.2011
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