April Anne Baloran

1. Strategic Leadership:

• Develop and implement strategies that align with the company’s overall goals, ensuring the department achieves its objectives in fraud detection and authorization processes.

•2. Coordination and Stakeholder Management:

• Act as the primary point of contact for Schemes, addressing urgent issues and concerns to ensure smooth and continuous business operations for issuing and acquiring functions.

3. Fraud Rule Management:

• Oversee the creation, management, and optimization of fraud detection rules and parameters, ensuring they are updated in line with current fraud trends and unique characteristics of our portfolios.

4. Process Improvement and Automation:

• Identify opportunities for process improvement, particularly in automating manual tasks, to enhance efficiency, reduce errors, and streamline workflows.

5. Reporting and Documentation:

• Ensure the timely and accurate preparation of weekly, monthly, and annual Management Information System (MIS) reports.

6. Authorization Query Resolution:

• Ensure that all Authorization Requests are handled promptly and effectively within the defined turnaround time (TAT).

• Creating, monitoring and changing fraud rules for the fraud system used for various Consumer Lending and Retail Banking Group products to detect and prevent fraud risks without customer friction.
• Collect, process and analyze of data/information in order to develop and/or improve new or existing MIS reports that will help the team strategize and maximize the various fraud detection tools used by the Division.
• Data mining and MIS/Reporting for Credit Cards, Personal Loans, Auto Loans, Debit and Prepaid products and other Bank products and related projects.
• Provide recommendations to further mitigate fraud across Bank products based on MIS/analytics.

• Managed day to day operations of the store
• Handled selection , purchasing of goods to key suppliers
• Promoted products on multiple channels

including social media and word of mouth initiatives

• Supervised and trained 4 employees

Accomplishments and Awards

􏰀 Master Award Winner - (2013 - 2016)

􏰀 Promoted to Manager2 on April 2014

􏰀 Promoted to Manager3 on April 2017

• Generate/Maintain regular reports for Chargeback Team (Issuing and Acquiring) and Fraud Team (Issuing, Acquiring and Invest Team) within TAT.
• Create and modify Falcon and FraudGuard parameter/strategies that will improve the efficiency and accuracy of Fraud detections
• Analyze fraud trends for both acquiring and issuing business to ensure that the detection parameters are updated to maximize effectiveness.
• Helps the team to identify possible opportunities in improving productivity of performance through segmentation and false positive analysis.
• Perform ad-hoc analysis and supports the team with relevant data to aid management decisions
• Initiates process improving and automation projects to ensure proper management of the team FTE's requirements.
• Regularly monitors the volume handled by the detection team to manage FTE capacity
• Perform projects/responsibilities/special task that may be assigned from time to time

Accomplishments and Awards

􏰀 Admin Personnel of the Year (2008)

􏰀 Candidate for Monthly Performance Incentive

(2008-2010)

􏰀 Early Bird of the Year (2010)

• Assigned the tasks of designing and developing SAS programs like producing analysis datasets and reports.
• Generates and/or extracts Collections and Recovery reports
• Prepares billing/invoice for Collections and Recovery Unit.
• Process and validates all request for certification under Recovery Unit within acceptable turnaround time.
• Process and validates all discount endorsement of Recovery Unit
• Process Payment Dispute / Unposted payments for external agencies
• Process accrual report for Recovery and Collections
• Handles Quarterly Agency Evaluation for external agencies
• Ensures that all accounts that complied with discount arrangement and have issued certification (Recovery accounts) are properly tagged as closed and fully settled to both BAP/CCAP.
• In-charge for Validation of Recovery's Payment/selective

• Provides administrative support to Recovery Unit.
• Process and validates all request for certification under Recovery Unit within acceptable turn around time.
• Process and validates all discount endorsement of Recovery Unit
• Process Payment Dispute / Unposted payments for the external agencies
• In-charge for Validation of Recovery's Payment/selectives
• In charge in Payment Confirmation callout's Process cardholder requests within customer turnaround time

• Provides administrative support to Recovery Unit.
• Process cardholder requests within customer turnaround time.
• Attend calls