Emese Kramarics, KYC / Fraud / Chargebacks / Payment Operations

Xapo Bank Limited

Mar 2021 – Feb 2023

Remote

Payment operations analyst

As a Payment Operations Analyst at Xapo Bank, I was responsible for executing a wide range of financial transactions with the highest level of accuracy, including customer payments, accounts payable payments, treasury payments, Visa and Mastercard settlements, payroll, and more. I also managed Failed / Unprocessed MT messages in Finastra (SWIFT) and oversaw unmatched deposits, unprocessed-pending debits, and returned transactions while working closely with the reconciliations team. I used the JIRA ticketing system to handle queries and handled chargebacks according to VISA/Mastercard regulations. I was responsible for crypto conversions and movements. This involved ensuring the smooth and efficient transfer of funds between different crypto assets and ensuring that all transactions were accurately processed and recorded. This was a crucial aspect of my role as it required a strong understanding of the crypto market and the ability to navigate the unique challenges and regulations associated with this type of payment.

Jasmin ssc

Oct 2018 – Mar 2021

Budapest

Senior chrageback and dispute analyst

As a Chargeback Specialist, my primary responsibility was to handle chargebacks for a merchant. This involved reviewing Ethoca alerts, analyzing incoming chargebacks, and conducting fraud investigations to determine the validity of the cases. Based on the results of my investigations, I would represent the cases and document them in accordance with Mastercard and Visa regulations. I gained valuable experience in fraud investigations and risk management, and I was able to contribute to the merchant's efforts in preventing and managing chargebacks effectively.

PayU

Nov 2014 – Mar 2018

Budapest-Hungary, Warsaw-Poland

Risk & Customer Care Specialist, Customer Verification Specialist, Chargeback Specialist

I was responsible for managing the KYC process, AML procedures, and PEP evaluations in the Romanian and Hungarian markets. I also handled chargebacks on both the processor and acquirer side for the PayCard service, which involved communication with merchants, documentation, financial operations, and representing cases in multiple markets. I utilized the Salesforce ticketing system to respond to queries and worked to resolve these issues promptly. In addition to these responsibilities, I was involved in billing, including invoices, periodic reports and internal requests. Real-time transaction fraud monitoring was also a crucial aspect of my role, and I collaborated with law enforcement and authorities to present fraudulent cases. I was also involved in operations, including merchant account registrations and testing, as well as reconciliation for the South African market. Throughout my time at the company, I gained valuable experience in risk management, customer care, and financial operations, which allowed me to make meaningful contributions to the company's efforts in providing exceptional service to its customers.

Citibank

Feb 2012 – Nov 2014

Budapest

Customer Support Specialist, Credit application coordinator – Central Application Management Unit

My first job experience was at Citibank where I worked as a Customer Service Representative and later as a Coordinator. My main responsibilities included registration and management of data in several banking systems with an emphasis on accuracy, providing excellent customer service, and staying up to date with the latest product information. Additionally, I was involved in direct sales, handling outgoing and incoming calls, and providing support to mobile agents. As part of my role, I also had to verify personal installment loan applications, coordinate with different teams to follow up on leads, and inform applicants of any necessary documentation. Working at Citibank was an amazing opportunity for me to develop my career in the banking industry. The bank provided an excellent learning environment and I was able to grow my skills and knowledge under the guidance of experienced professionals. The bank's commitment to providing excellent customer service and support made it a great place to work and I am grateful for the opportunity to have started my career there. I truly believe that Citibank was the best school of banking and I will always treasure my time there.

Emese Kramarics

KYC / Fraud / Chargebacks / Payment Operations

Skills

Languages