Muhd Nor Hisham Bin Mat Sayuti
Bank Officer
No 5, Jalan Idaman 17, Kg Idaman, 42000 Pelabuhan Klang Selangor
Summary
Accomplished banking professional with a proven track record at Bank Simpanan Nasional, specializing in EMV and contactless payment testing, and transaction authorization. Expert in leveraging Visa VTS-VIP and Mastercard MAS tools for ensuring card scheme compliance and enhancing fraud prevention measures. Demonstrated ability in leading cross-functional teams to achieve system improvements and maintain PCI DSS compliance, significantly reducing transaction discrepancies.
Overview
30
30
years of professional experience
2
2
Languages
Work History
Officer
Bank Simpanan Nasional
Business Technology, Card Business Department
01.2008 - Current
- Conducted rigorous testing of credit & debit card transactions for Visa & Mastercard to ensure compliance with network regulations and processing standards.
- Performed end-to-end testing of authorization, clearing, and settlement processes to identify and resolve transaction discrepancies.
- Collaborated with IT, operations, and fraud prevention teams to test new system implementations and updates for Card Management System.
- Simulated real-world transaction scenarios to validate card functionality, including POS, e-commerce, ATM, contactless and EMV chip to validate system performance and security.
- Ensured compliance with PCI-DSS, EMV, and regulatory requirements during testing phases, safeguarding transaction integrity.
- Analyzed test results, documented findings, and provided recommendations for system improvements and risk mitigation.
- Assisted in the rollout of new credit & debit card products, enhancements, and security measures by conducting rigorous pre-implementation testing.
- Assisted in troubleshooting and resolving issues related to transaction declines, chargeback, and incorrect merchant processing.
Authorizer
Bank Simpanan Nasional
Authorization Unit, Card Businesss Department
01.2002 - 12.2008
- Reviewed, verified, and authorized credit card transactions in real-time, ensuring compliance with bank policies and fraud prevention measures.
- Assessed high-risk transactions, identifying potential fraud and taking immediate action to approved, decline, or escalate for further review.
- Monitored system alerts and transaction patterns to detect unauthorized or suspicious activities, minimizing financial risk.
- Coordinated with fraud investigation teams and cardholders to verify flagged transactions, ensuring legitimate usage while preventing fraudulent charges.
- Processed requests for credit limit increases, temporary authorizations, and transaction overrides based on financial evaluation and risk assessment.
- Maintained detailed records of authorized and declined transactions, providing reports for internal audits and compliance reviews.
Clerk
Bank Simpanan Nasional
Credit Department
01.1995 - 12.2008
- Managed the end-to-end conveyancing process for housing loan applications, ensuring smooth property transactions.
- Reviewed loan agreements, legal documents, and property titles to verify compliance with banking and regulatory requirements.
- Maintained accurate records of loan transactions and property ownership transfer for audit and compliance purposes.
- Maintained filing system and organized customer documents for easy retrieval of information.
- Managed incoming calls professionally, directing callers to appropriate personnel or taking detailed messages when necessary.
- Enhanced customer service with timely and accurate information when handling inquiries.
Education
STPM -
SMMM
Pasir Pekan, Kelantan01.1994
SPM -
SMWB
Wakaf Bharu, Kelantan01.1992
Skills
- Asccend(Card Management System), CMES(Branch Management System) & CardLink(Card Management System)
- Visa VTS-VIP & VTS-CS Simulator Testing Tools
- Mastercard MAS &MCPS Simulator Testing Tools
- Card Scheme Compliance (Visa, Mastercard)
- EMV, Contactless Payment & ISO 8583 Message Testing
- Transaction Authorization & Fraud Prevention
- Automated & Manual Testing (UAT, SIT, Regression)
- PCI DSS & Security Compliance
- Defect Tracking & Reporting (HP ALM)
- POS Terminal and ATM
- Visa EP4 & Mastercard Pre-Edit Testing
- Programming & Scripting – VB, SQL & COBOL
PERSONAL STRENGTHS
- A quick learner with a strong motivation, excelling as an excellent team player.
- Possesses exceptional social and communication skills, adapts rapidly to environments, and exhibits a proactive, people-oriented, and competitive approach.
- Known for analytical prowess, attention to detail, multitasking ability, and a dedicated work ethic.
REFERENCES
- Mr. Mohamad Sukree Bin Abd Ghani
Deputy Manager
Project Support, Card Business
Bank Islam Malaysia Bhd
017-9096246
mohamadsukree@gmail.com
Timeline
Officer
Bank Simpanan Nasional
01.2008 - Current
Authorizer
Bank Simpanan Nasional
01.2002 - 12.2008
Clerk
Bank Simpanan Nasional
01.1995 - 12.2008
STPM -
SMMM
SPM -
SMWB