Generic Responsibilities
- Assist in improving the efficiency and effectiveness of the workflow.
- Act as a checker and participate in team evaluation and provide feedback (if required).
- Participate in reporting RSCA quarter sample.
- Provide periodical analytical reports according to identified time.
Key Responsibilities
Settlement & Reconciliation
- Review & act as checker for settlement & reconciliation of all transactions related to Cards & Digital banking channels;
- Cards transactions (Branch Payment/ ATM Payment/ Payment through Fawry/ Payment through Internet Banking/ Cards purchase & incomplete payment transactions).
- Digital Banking transactions (Fawry bill Payment/ Fawry E-collection/ Internet Banking Covered Card Payments/ E-wallet).
- Electronic Transactions from different service providers (Tahweel switch tracking system/ NPC FTP/ Fawry FTP/ Internet Banking).
- Support the team in the settlement and reconciliation of the On-Us and Off-Us Issuer/ acquirer transactions.
- Support the team in the settlement between ADIB, Master Card & Visa for different transactions (i.e. pending purchases against available balances, covered card rejected transactions, disputes & surplus entries…etc).
- Review and approving entries for (Visa Cards Acquirer Settlement - Acquirer & Issuer - covered Cards issuer Settlement (master) / Covered Card adjusting entries GLs - Post reconciliation entries (differences).
- Follow up the investigation related to any reconciliation differences.
- Review Cash Back buyout requests and ensure the deduction of swift fees.
- Validate rejected transactions on designated system.
- Review on a daily basis covered card rejected transactions and direct the required reprocessing.
- Prepare FX transactions report to send to Treasury function.
- Ensure monthly EBC invoices review.
- Coordinate with Compliance & Governance regarding the international transactions report.
- Execute by manual processing of monthly Covered Card waiving, delinquent and Written off customers according to Collection – Consumer Risk directions.
Chargeback
- Support the team in handling charge back requests received from branches & Digital Banking services (Fawry Utility Bill Payment – Ewallet Cash in & out – Ewallet transfers).
- Ensure handling outgoing chargeback cases related to ADIB customers & incoming re-presentments.
- Ensure handling incoming chargeback cases received from Other Banks and outgoing presentments.
- Monitor chargeback suspense account.
- Review monthly proof for the chargeback suspense account after conducting reconciliation versus dispute tracking sheet.
- Ensure applying MasterCard / VISA regulations updates to avoid noncompliance penalties.
- Manage the relation with MasterCard regarding chargeback transactions to ensure receiving the response within time line as per MasterCard regulations to avoid losses.
- Participate in the related UAT testing and review the results to ensure correct implementation.
- Handle received complaints in cooperation with Consumer Rights Protection – Compliance & Governance – in accordance with the policies and procedures and identified SLA.
And any other assigned Tasks.
Minimum Qualifications
Minimum Experience:
- Officer 3+ years of experience.
- Senior Officer 5+ years of experience in similar role
Job-Specific Knowledge & Skills:
- Good knowledge of Bank functions, responsibilities & processes
- Very good analytical skills
- Excellent command of MS Office (Word, Excel)
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