JOEL BAGO
Fraud Investigation Unit Head
Tanza, Cavite
Summary
Extensive experience in fraud detection and investigation within the financial industry, with a strong ability to navigate fast-paced environments and manage complex cases. Proven expertise in quickly analyzing situations and implementing effective solutions. Complemented by exceptional interpersonal, verbal, and written communication skills, as well as a demonstrated ability to collaborate seamlessly with diverse teams.
Overview
14
14
years of professional experience
Work History
Fraud Investigations Unit Head
EastWest Banking Corporation
10.2024 - Current
- Lead and managed Credit Card and Personal loan investigations, including large-scale fraud schemes, cyber fraud, identity theft, money laundering, and other financial crimes.
- Collaborate with internal stakeholders (Risk, Compliance, Operations) to identify fraudulent activities and vulnerabilities within the bank's systems and processes.
- Analyze complex data sets, transaction records, and other evidence to trace and document fraudulent activities.
- Develop strategies and frameworks to prevent future fraud by identifying weaknesses and improving internal controls.
- Provide recommendations to strengthen fraud detection tools, software, and techniques.
- Work closely with law enforcement, legal teams, and external agencies to facilitate successful prosecution of fraud cases.
- Deliver training sessions to bank employees to raise awareness of fraud detection and prevention best practices.
Fraud Management Unit Head
China Banking Corporation
05.2023 - 10.2024
- Develop and implement strategic plans for credit card fraud detection, prevention, and investigation.
- Formulate and update fraud prevention policies and procedures to adapt to evolving fraud trends and emerging threats.
- Lead and manage a team of fraud analysts and investigators, providing guidance and support in the identification and resolution of credit card fraud cases.
- Establish and maintain effective communication channels with internal and external stakeholders, including financial institutions, law enforcement, and regulatory bodies.
FRAUD INVESTIGATION OFFICER
Palawanpay
08.2021 - 05.2023
- Resolution of fraud-related complaints in a timely manner.
- Analyze accounts, and transactions to detect fraud and take appropriate action.
- Conduct in-depth examinations of documents and other evidence to determine their authenticity.
- Limit potential loss exposure by placing holds on accounts or card status to limit funds availability.
- Assess possible risks and communicate trends and patterns to management.
- Present suggestions for procedural changes to management.
FRAUD INVESTIGATION OFFICER
EastWest Banking Corporation
01.2016 - 07.2021
- Effectively and efficiently investigated the fraud claims made by credit and debit card customers.
- Responsible for functions related to the prevention, and resolution of fraudulent activity including review of applications, unusual client transactions, check fraud, credit card fraud, signature verification, and online fraud.
- Regular visits to third-party agencies to make sure the bank's resources were properly kept and managed.
- Prepared various fraud documents including Suspicious Transaction Reports.
- Meet with law enforcement and court representatives for filing of cases when necessary.
FRAUD DETECTION ANALYST
Security Bank Corporation
01.2015 - 12.2015
- Handled debit, and prepaid accounts with potentially fraudulent activity on a day to day.
- Analyzed basic account activity flagged by the parameters set by the team to prevent further fraudulent activity and minimize possible losses.
- Analyzed recent fraud activities flagged by the FMS and identify the ongoing trend or pattern to immediately communicate with the team and management.
FRAUD MONITORING ANALYST
Bank of the Philippine Islands
09.2011 - 12.2014
- Real-time review of alerts to identify fraudulent activity and mitigate possible fraud losses.
- Timely submission of the incident report and required documents for processing of fraud claims including what is needed for chargeback processing.
- Immediate reporting of newly identified fraud patterns and trends for mitigation of losses and creation or enhancement of fraud parameters.
Education
BACELOR OF SCIENCE - COMPUTER SCIENCE
Cavite State University
Skills
Investigation management and strategies
Problem-solving
Team management
MS Office
Analytical problem solving
Timeline
Fraud Investigations Unit Head
EastWest Banking Corporation
10.2024 - Current
Fraud Management Unit Head
China Banking Corporation
05.2023 - 10.2024
FRAUD INVESTIGATION OFFICER
Palawanpay
08.2021 - 05.2023
FRAUD INVESTIGATION OFFICER
EastWest Banking Corporation
01.2016 - 07.2021
FRAUD DETECTION ANALYST
Security Bank Corporation
01.2015 - 12.2015
FRAUD MONITORING ANALYST
Bank of the Philippine Islands
09.2011 - 12.2014
BACELOR OF SCIENCE - COMPUTER SCIENCE
Cavite State University
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