Reshma Jogiah
10, Morcellement Mount, The Mount,Pamplemousses
Summary
A result-oriented team player with the ability to anticipate, identify and respond to the always changing cards business world.
With over 24 years of experience in Banking and Payments industry covering card operations (issuing and aquiring business), card personalisation, settlement and reconciliation and chargeback/dispute Management.
Has always ensured that daily works by the team are delivered to the highest quality and deadlines are met.
Demonstrated ability in building and managing teams to enhance customer relationship and value. Fullly involved in various cards projects and recarding. Comfortable working on complex projects.
Overview
25
25
years of professional experience
1
1
Certification
Work History
Assistant Card Manager
BankOne Ltd
05.2019 - Current
- Overlooking debit, credit and prepaid cards businesses + cards projects
- Oversee the card issuing department and monitor all operational issues
- Derive ongoing new projects related to cards and payment solutions.
- Fully involved in Credit Card Launch at Bank One Ltd by attending all meetings and liaising with VISA Intl’ and outsourcing company.
- Leading the card migration project of BankOne ltd from Visa Cards to MasterCard cards.
- Developed written guidelines and procedures for the cards process.
- MCIB reporting to Regulatory Body (BOM)
- Effectively liaise with third party processors dealing with card department like, Payment Express Mauritius, Modirum Ltd and Priority Pass Ltd.
- Participate in Fraud Forums held at the MBA.
- Engage in continuously improving process to be more efficient and reduce wastage in terms of work force and costs.
- Purchase of plastic cards and stock management of Cards and PIN mailers with TPP.
- Issuance of lounge access cards to high-net-worth cardholders.
- Implementation of Visa mandates as and when required and respecting deadlines.
- ATM monitoring and after hour support monitoring.
- Maintaining of relevant statistics and reporting to relevant bodies upon requests
- Deal effectively with Third Party Processors on day-to-day basis.
Card Officer
Bank One Limited
05.2009 - 04.2018
- Launching of Credit Card at Bank One
- Implementation of Secure platform for online card transactions (VbV)
- Heading the project of changing from VBV static password to One Time Password.
- Attending and dealing with queries from internal and external customers.
- Responsible for all financial transactions, funds disbursement, balancing of respective GLs, fee collections, and other monetary issues.
- Participated in regular meetings with upper management regarding progress updates on current initiatives.
- Provided guidance to team members on how to effectively complete tasks within established timelines.
- Supervised subordinate staff in carrying out daily duties and activities.
E – Business Channel – Chargeback and Settlement Supervisor (Issuing and Acquiring)
SBM Ltd
01.2006 - 05.2009
- Directed and supervised team of 5 employees in daily operations.
- Maintained accurate records of employee performance, attendance, leave requests, and disciplinary actions.
- Monthly and Quarterly reporting to BOM and Card Associations (Visa and MasterCard)
- Act as the Visa Intl VROL administrator, ensuring that all card dispute processing standards and time frames for chargeback are met to avoid penalties and fees.
- Ecommerce transactions – Merchant Support, Settlement and Chargeback/Dispute processing.
- Involve in Card Management System project – System Transition
- Responsible for ensuring the quality of system through the review and updates of Visa Online and MasterCard Online.
Retail Banker
SBM ltd
Riv des Anguilles and Chemin Grenier
08.2003 - 01.2006
- Assisted customers with account inquiries, deposits, withdrawals, transfers, loan applications, and other transactions as needed.
- Adhered to strict security protocols regarding customer information confidentiality.
- Greeted customers and identified customer needs to provide appropriate banking services.
- Tracked sales goals set by the branch manager and implemented plans accordingly.
- Cash handling
- ATM replenishment
Card Department
SBM Ltd
10.1998 - 07.2003
- Debit and Credit card production and record Maintenances, including SMS/ mobile banking, internet banking.
- Resolved customer complaints in a professional manner within established guidelines.
- Provided customer service to ensure a pleasant shopping experience.
- Adhered strictly to company policies and procedures while performing job duties.
- Internet Banking, Mobile Baking, Top-up applications.
- Help other internal departments for daily tasks related to cards.
- Risk and Fraud management, including VRM.
Education
Master in Business Administration with cum laude -
Management College of South Africa (MANCOSA)
04.2017
Bachelor in Business Administration -
University of Limkokwing (Malaysia)
12.2008
Diploma in Business Administration (Marketing) -Credit -
Swami Dayanand Institute
06.1998
Certificate in Information and Library Studies -
University Of Mauritius
06.1995
Higher School Certificate -
Droopnath Ramphul State Secondary School
11.1993
School Certificate -
Droopnath Ramphul State Secondary School
11.1991
Skills
- Microsoft office (Word, Excel, PowerPoint)
- SmartVista
- Flexcube
- Finacle
- Vision
- Retail
- Card Management System(CMS)
- Base24
- Siebel
- Transact24
- PowerCard
- Visa Online
- MasterCard Online platforms
Inland Trainings
- Yearly Workshops/Seminars – by MasterCard and Visa International
- Training on Leadership – Bank One Ltd
- Customer Care Seminar – SBM Ltd
- Credit Facility Assessment Courses – SBM Ltd
Certificates Transcript
- MasterCard Chargeback, MasterCard International, 2007
- Introduction to Chargeback, Visa Business School, 2010
- Introduction to fraud, Visa Business School, 2013
- Advance Dispute Case filing, Visa Business School, 2014
- Visa Billing Statement, Visa Business School, 2015
- Understanding VCR, Visa Business School, 2018
Characteristics Skills
- Efficient team player and establish good relations with colleagues
- Flexible with good leadership and managerial skills
- Strong problem analysis and resolution skills
- Hard worker and can adapt working under pressure
- Able to handle all jobs assigned effectively and efficiently
- Always ready for higher responsibilities
- Successfully implemented card related projects at SBM and Bank One ltd
Tel
5750 2846 / 243 7664
Trainings Workshops
- 05/01/14, VISA, Advance Dispute Case filing, South Africa
- 10/01/07, MasterCard, MasterCard Chargeback, South Africa
Banking Employment History
- 05/01/09, Present, BankOne Ltd, Assistant Card Manager overlooking debit, credit and prepaid cards businesses + cards projects
- 01/01/06, 05/01/09, SBM Ltd, E – Business Channel – Chargeback and Settlement Supervisor (Issuing and Acquiring)
- 08/01/03, 01/01/06, SBM ltd, Retail Banker at Riv des Anguilles and Chemin Grenier Service Units
- 10/01/98, 07/01/03, SBM Ltd, Card Department – Debit and Credit card production and record Maintenances, including SMS/ mobile banking, internet banking.
Personal Information
- Date of Birth: 05/09/76
- Marital Status: Married
References
Available upon request
Affiliations
- Involved in Social Word
Languages
English
First Language
English
Proficient (C2)
C2
Certification
CERTIFICATES / TRANSCRIPT (Cards related)
MasterCard Chargeback MasterCard International 2007
Introduction to Chargeback Visa Business School 2010
Introduction to fraud Visa Business School 2013
Advance Dispute Case filing Visa Business School 2014
Visa Billing Statement Visa Business School 2015
Understanding VCR Visa Business School 2018
Timeline
Assistant Card Manager
BankOne Ltd
05.2019 - Current
Card Officer
Bank One Limited
05.2009 - 04.2018
E – Business Channel – Chargeback and Settlement Supervisor (Issuing and Acquiring)
SBM Ltd
01.2006 - 05.2009
Retail Banker
SBM ltd
08.2003 - 01.2006
Card Department
SBM Ltd
10.1998 - 07.2003
Master in Business Administration with cum laude -
Management College of South Africa (MANCOSA)
Bachelor in Business Administration -
University of Limkokwing (Malaysia)
Diploma in Business Administration (Marketing) -Credit -
Swami Dayanand Institute
Certificate in Information and Library Studies -
University Of Mauritius
Higher School Certificate -
Droopnath Ramphul State Secondary School
School Certificate -
Droopnath Ramphul State Secondary School
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