Nkone Emigan EMIGAN MOKGATLANE
Fraud Consultant
Roodepoort
Summary
Strategic and results-driven Fraud Risk Specialist with over 8 years of experience in fraud prevention, detection, and investigation within the banking sector at FNB. Holds a BCom Honours in Economics with strong analytical training in econometrics, financial markets, and data analysis. Proven ability to reduce fraud exposure through data-driven insights, risk controls, and process optimization. Experienced in transaction monitoring, fraud investigations, and customer risk management across digital banking platforms. Adept at working cross-functionally with compliance, operations, and technology teams to enhance fraud frameworks. Aspiring to transition into a senior fraud leadership role, bringing strong analytical capability, operational expertise, and a strategic mindset to drive fraud risk reduction, improve customer experience, and support business growth. Utilizing quantitative analysis tools to investigate problems thoroughly before developing comprehensive solutions, tailored specifically to each individual business need. Excels at presenting complex information in easy-to-digest format, allowing clients to make informed decisions quickly. Knowledgeable with proven background in consulting, delivering strategic insights and effective solutions to clients. Successfully led multiple projects, enhancing operational efficiency and driving business growth. Demonstrated expertise in problem-solving and client relationship management. Professional consultant with track record of providing valuable insights and strategic solutions to diverse clients. Adept at leveraging analytical skills and industry knowledge to drive impactful outcomes. Known for fostering team collaboration and adapting to dynamic environments, ensuring project success and client satisfaction. Consulting professional with strong track record in delivering impactful business solutions. Adept at strategic planning, data analysis, and process improvement. Known for fostering team collaboration and adapting to evolving project needs. Brings expertise in client relations, problem-solving, and driving measurable results. Knowledgeable with proven background in consulting, delivering strategic insights and effective solutions to clients. Successfully led multiple projects, enhancing operational efficiency and driving business growth. Demonstrated expertise in problem-solving and client relationship management. Knowledgeable with proven background in consulting, delivering strategic insights and effective solutions to clients. Successfully led multiple projects, enhancing operational efficiency and driving business growth. Demonstrated expertise in problem-solving and client relationship management. Utilizing quantitative analysis tools to investigate problems thoroughly before developing comprehensive solutions, tailored specifically to each individual business need. Excels at presenting complex information in easy-to-digest format, allowing clients to make informed decisions quickly. Experienced and enthusiastic Consultant with track record of success across wide range of industries. Possesses exceptional interpersonal, problem-solving and analytical skills to provide advice and expertise to client organizations improving business performance. Experienced in all aspects of operations, strategy and finance.
Overview
10
10
years of professional experience
Work History
Fraud Consultant
First National Bank (FNB)
Randburg
07.2018 - Current
- Fraud Detection & Prevention
- Monitored high-volume transactions across digital banking channels to identify suspicious activity and mitigate fraud risk in real time.
- Applied rule-based detection techniques and behavioral analysis to flag anomalies and prevent financial losses.
- Strengthened fraud controls across customer onboarding, account usage, and payment processing.
- Investigations & Risk Mitigation
- Conducted detailed fraud investigations, analyzing transaction patterns, customer behavior, and system data.
- Identified fraud trends and emerging risks, providing actionable insights to improve fraud prevention strategies.
- Managed end-to-end case handling including escalation, resolution, and recovery processes.
- Chargebacks & Recoveries
- Processed and managed chargebacks in line with regulatory and card scheme requirements.
- Collaborated with internal and external stakeholders to improve recovery rates and reduce fraud losses.
- Data Analysis & Reporting
- Produced regular fraud reports highlighting trends, loss drivers, and control effectiveness.
- Used data insights to recommend improvements in fraud detection rules and operational processes.
- Supported decision-making through clear and concise reporting to management.
- Cross-Functional Collaboration
- Worked closely with compliance, risk, customer service, and digital banking teams to embed fraud controls across customer touchpoints.
- Contributed to improving customer experience by balancing fraud prevention with minimal friction.
- Process Improvement
- Identified gaps in fraud processes and implemented enhancements to improve efficiency and accuracy.
- Contributed to continuous improvement initiatives within fraud operations.
Client Service Consultant
FNB
Randburg
09.2016 - 06.2018
- Enhanced client satisfaction by providing timely and accurate support for inquiries and concerns.
- Led client service initiatives that resulted in improved efficiency and effectiveness of overall operations, ultimately leading to increased profitability.
- Educated clients on services and products available.
- Reduced churn rate through proactive outreach efforts aimed at nurturing existing relationships within the account portfolio.
- Maintained detailed client records with both personal and payment information.
- Assisted in the development of customized solutions for specific client challenges, resulting in increased satisfaction levels.
- Developed and deepened client relationships to increase loyalty and brand engagement.
- Provided customers with information about company offerings and answered questions about features, costs, and delivery.
- Updated accounts, documents, and reports with efficiency and accuracy.
- Responded to customer concerns with friendly, knowledgeable service, and resolved issues quickly to deliver prompt service.
- Answered client questions and looked for opportunities to increase sales.
Education
BCom Honours - Economics
04.2001 -
- Strong focus on:
- Econometrics & Data Analysis
- Financial Markets
- Macroeconomics & Monetary Policy
- International Economics
Post Graduate Certificate in Education (SP & FET) - Education
04.2001 -
- Degree Awarded with [Honors]
National Diploma in Economic Management Analaysis - Economics
04.2001 -
Skills
Microsoft Excel (Advanced)
SQL (Working knowledge)
Fraud Monitoring Systems & Banking Platforms
Data Analysis & Reporting Tools
Client relationships
Team collaboration
Time management
MS office
Analytical thinking
Client engagement
Quality assurance
Decision-making
Strategic planning
Performance tracking
Processes and procedures
Accomplishments
- Contributed to reduction of fraud losses through proactive detection and improved case handling processes.
- Enhanced fraud detection accuracy by identifying patterns and recommending rule improvements.
- Maintained high investigation accuracy and turnaround times under pressure in a high-volume environment.
- Recognized for strong analytical thinking and attention to detail in fraud investigations.
Timeline
Fraud Consultant - First National Bank (FNB)
07.2018 - Current
Client Service Consultant - FNB
09.2016 - 06.2018
UNISA - BCom Honours, Economics
04.2001 -
UNISA - Post Graduate Certificate in Education (SP & FET), Education
04.2001 -
UNISA - National Diploma in Economic Management Analaysis, Economics
04.2001 -
CORE COMPETENCIES
- Fraud Risk Strategy & Frameworks
- Transaction Monitoring & Detection
- Fraud Investigations & Case Management
- Chargebacks & Recovery Processes
- Data Analysis & Reporting (Advanced Excel, SQL exposure)
- Risk Controls & Early Warning Indicators
- Digital Banking & Payment Fraud
- Stakeholder Engagement & Reporting
- Regulatory Compliance & Governance
- Process Improvement & Operational Efficiency
LEADERSHIP & BEHAVIOURAL STRENGTHS
- Strong accountability and ownership mindset
- Analytical thinker with attention to detail
- Collaborative team player with stakeholder engagement skills
- Adaptable and quick to learn new systems and technologies
- Customer-focused approach to fraud prevention