Emma Makgato
Customer Credentialing Analyst
Johannesburg
Summary
Emma Makgato has 14 years of diverse working experience, with 7+ years focusing on fraud-related inquiries and money laundering, 4 years in collections, and 2 years in customer credentialing. She holds a Postgraduate Diploma in Management, a Bachelor of Business Administration Degree, and various certificates in forensic auditing, money laundering, cybercrime investigation, cybersecurity, and risk, compliance & governance.
Overview
14
14
years of professional experience
Work History
Customer Credentialing Analyst
TransUnion
01.2023 - Current
- Performance of due diligence examination and or investigation on more complex cases.
- Authentication of end users' permissible purpose/authorized uses based on local government regulations and laws.
- Assessment of certified intended use of services and or products requested on more complex customers.
- Examination and investigation via Third Party tools and/or resources, as well as research of online resources that can be used as compensating resource equivalent to third party tools and/or resources.
- Determination, verification and authentication of applicant's federal, state, city/municipal and other government regulatory requirements.
- Assessment and determination of applicant's business legitimacy based on local government requirements per applicable country.
- Lead multiple special handling projects.
- Provide support to the Lead/Manager with various departmental initiatives.
- Support internal customers providing guidance and procedural updates specific to credentialing processes.
- Document and maintain departmental processes. Provide support to the Team for QA accountability and assist the QA Team with questions or clarification on the QA process for Credentialing.
Fraud Validation Assessor
African Bank Limited
05.2015 - 01.2023
- Detect and minimize fraudulent account activities by constantly working proactive loan applications.
- Build objective working relationship with various, experts and counterparts within the banking industry and the broader fraud community.
- Open fraud cases and compile relevant and comprehensive case related documentations in the required format for the appropriate resolution of fraud cases.
- Execute fraud detection practices according to the identified fraud event types and manage case, end to end from detection to resolution using appropriate guidelines.
- Analyze transactions and compare transactions and documents to determine the authenticity and fraud type.
- Liaise with relevant internal and external stakeholders including bureaus and other banks to ensure correct validation of customer information and security checks.
- Assess fraud on applications (loan and card) before you can approve or reject.
- Analyze if the client is a PEP and is a match on a sanction list under AML operations.
- Investigating and assessing alerts for potential money laundering risks in the bank.
- Escalating confirmed PEP alerts to Senior management for enhanced due diligence.
Inbound Collections Consultant
African Bank Limited
04.2013 - 04.2015
- Collect on overdue accounts.
- Acknowledge and resolve client's queries.
- Receiving calls & escalate to the relevant department.
Outbound Collections Consultant
African Bank Limited
05.2011 - 03.2013
- Calling clients to collect on overdue accounts.
- Negotiating payments that will work both for the customers and the company.
- Gain an understanding of each customer's circumstances.
Education
Certificate - Risk, Compliance And Governance
University of Witwatersrand
01-2024
Certificate - Cyber Security
Cape Peninsula University of Technology
01-2022
Postgraduate Diploma Management -
Regent Business School
01-2020
Certificate - Investigation & Management of Cyber Crime
University of Pretoria
01-2018
Certificate - Money Laundering Investigation And Detection
University of Pretoria
01-2017
Certificate - Forensic And Investigation Auditing
University of South Africa
01-2017
Bachelor of Business Administration Degree -
Regenesys Business School
01-2016
Skills
Timeline
Customer Credentialing Analyst
TransUnion
01.2023 - Current
Fraud Validation Assessor
African Bank Limited
05.2015 - 01.2023
Inbound Collections Consultant
African Bank Limited
04.2013 - 04.2015
Outbound Collections Consultant
African Bank Limited
05.2011 - 03.2013
Certificate - Risk, Compliance And Governance
University of Witwatersrand
Certificate - Cyber Security
Cape Peninsula University of Technology
Postgraduate Diploma Management -
Regent Business School
Certificate - Investigation & Management of Cyber Crime
University of Pretoria
Certificate - Money Laundering Investigation And Detection
University of Pretoria
Certificate - Forensic And Investigation Auditing
University of South Africa
Bachelor of Business Administration Degree -
Regenesys Business School
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