RAYANNE JESSICA EBAGA
Ottawa,ON
Summary
Results-driven banking professional experienced in managing sensitive credit card accounts, resolving transaction disputes and supporting compliance-focused processes in high-volume environments. Combines practical banking exposure with formal education in finance and certification in credit analysis to develop a strong foundation in financial risk assessment. Recognized for attention to detail, sound judgment and ability to perform under pressure. Motivated to transition into an analytical role in AML, Fraud Prevention or Credit Risk within a dynamic financial institution.
Overview
5
5
years of professional experience
1
1
Certification
Work History
Bilingual Contact Center Specialist
Toronto-Dominion Bank
Ottawa, Canada
09.2024 - Current
- Manage high-volume inbound calls related to credit card accounts, including past-due and charged-off accounts, credit limit adjustments, electronic funds transfers and cash advance inquiries
- Support clients with dispute resolution and account discrepancy investigations while ensuring adherence to security and compliance procedures
- Support identity verification and KYC procedures to ensure compliance with banking regulations and internal risk controls.
- Assist clients with online banking access, password resets and account maintenance while maintaining security protocols.
- Investigate billing disputes and transaction concerns, escalating complex risk cases when required.
- Process financial transactions including balance transfers, bill payments and stop-payment requests.
- Contribute to customer retention through needs-based product awareness while maintaining service quality standards.
Operational Analyst
Africa Global Logistics
Cameroon
06.2023 - 06.2024
- Reviewed and validated supplier and customer invoices to ensure accurate financial recording and cost allocation.
- Monitored debt portfolio indicators and supported reporting on financial risk exposure.
- Maintained operational databases tracking financial transactions and departmental statistics.
- Contributed to improved invoice processing efficiency by identifying workflow gaps.
- Supported preparation of financial summaries for internal performance monitoring.
- Collaborated with cross-functional teams to streamline workflows and enhance productivity.
Management Controller
Terminal Mixte Fruitier
Cameroon
03.2021 - 06.2023
- Assisted in preparation of budget forecasts and variance analysis reports.
- Produced weekly and monthly financial performance reports for management review.
- Supported treasury operations and year-end closing activities.
- Collaborated with accounting teams on payroll and financial administration processes.
- Helped strengthen internal financial monitoring procedures.
- Implemented internal controls, enhancing accuracy of financial statements and reducing discrepancies.
- Collaborated with cross-functional teams to analyze financial performance and drive cost-saving measures.
Education
High School Diploma - GCE Advanced Level, Applied Sciences
Orchidée Bilingual College
Cameroon09.2017
High School Diploma - GCE Advanced Level, Applied Sciences
Orchidée Bilingual College
Cameroon09.2017
Master of Science - Audit And Controlling
IUGET
Cameroon09.2023
Bachelor of Science - Banking And Finance
University of Buea
Cameroon09.2021
Higher National Diploma - Banking and Finance
University Of Buea
Cameroon09.2018
Skills
- Problem-Solving & Critical Thinking
- Time Management & Multitasking
- Customer Service
- Data Collection
- KYC & Regulatory Compliance Awareness
- Fraud & Unauthorized Transaction Handling
- Financial Data Analysis & Reporting
- Credit Risk Fundamentals
- Microsoft Excel, Word, Outlook, Teams
- Bilingual: English & French
Certification
Commercial Banking & Credit Analyst (CBCA) Certification - Corporate Finance Institute .
Professional Development
Introduction to Money Laundering Regulations - Course completed , Alison (2026)
Languages
English
Native or Bilingual
French
Native or Bilingual
Timeline
Bilingual Contact Center Specialist
Toronto-Dominion Bank
09.2024 - Current
Operational Analyst
Africa Global Logistics
06.2023 - 06.2024
Management Controller
Terminal Mixte Fruitier
03.2021 - 06.2023
High School Diploma - GCE Advanced Level, Applied Sciences
Orchidée Bilingual College
High School Diploma - GCE Advanced Level, Applied Sciences
Orchidée Bilingual College
Master of Science - Audit And Controlling
IUGET
Bachelor of Science - Banking And Finance
University of Buea
Higher National Diploma - Banking and Finance
University Of Buea