Zahra Al-Kheteeb
Glasgow,Glasgow City
Summary
A highly skilled professional with strong analytical and critical thinking abilities, adept at problem-solving and decision-making. Demonstrates excellent interpersonal and communication skills, both verbal and written, with proven capability to work independently or collaboratively to achieve objectives. Experienced in fraud detection, prevention, and investigation, as well as intelligence gathering, evidence handling, and report preparation. Possesses knowledge of compliance regulations, data protection laws, and industry legislation. Multilingual in English and Arabic with high attention to detail and accuracy in all tasks. Physically fit, adaptable, and resilient in high-pressure environments while maintaining strong organisational skills to manage multiple priorities effectively.
Overview
4
4
years of professional experience
7
7
years of post-secondary education
Work history
Fraud investigator
Three UK
Glasgow, Glasgow City
10.2023 - Current
- Investigate multiple complex telecommunications fraud cases daily, including identity theft, account takeover, SIM swap fraud, subscription fraud, and false credit applications.
- Detect and flag counterfeit IDs, forwarding intelligence to the internal security team for further investigation.
- Identify fraudster locations, activity patterns, and repeat offenders, providing evidence that supports criminal convictions.
- Liaise directly with victims to gather statements, obtain evidence, and provide professional updates during sensitive cases.
- Collaborate with law enforcement, including police, to exchange intelligence and progress criminal investigations.
- Manage and process CIFAS markers to protect the company and the wider industry from known fraud risks.
- Utilise Experian and internal systems to conduct detailed manual credit checks, spotting irregularities and preventing fraudulent approvals.
- Analyse customer accounts and usage data to detect suspicious activity and prevent further loss.
- Maintain expert knowledge of fraud prevention techniques, relevant legislation, and telecoms industry regulations through ongoing training.
- Produce detailed case reports to support legal proceedings and internal decision-making, ensuring accuracy and compliance.
Credit Operations Advisor
Three UK
Glasgow, Glasgow City
10.2022 - 10.2023
- Conducted credit checks on businesses and consumers to assess loan and contract eligibility.
- Analysed applicants’ financial history and current status to make accurate credit decisions.
- Reviewed declined applications and processed appeals, reassessing eligibility where appropriate.
- Assessed existing customers’ accounts to determine eligibility for additional contracts and ensure timely payments.
- Maintained up-to-date knowledge of multiple systems, policies, and processes in a fast-paced environment.
- Applied high attention to detail and sound judgment to uphold compliance and minimise financial risk.
Restaurant manager
Pasha Glasgow
Glasgow, Glasgow City
11.2021 - 09.2022
- Led daily operations, organised staff rotas, and trained new team members.
- Managed payroll, HR matters, and financial accounts with accuracy.
- Handled customer and catering enquiries, ensuring smooth event coordination.
- Maintained the restaurant’s social media presence to boost engagement.
- Delivered high-level customer service while ensuring compliance with health and safety standards.
Education
Bachelor of Arts - Humanities and Social Sciences
University of Strathclyde
Glasgow 09.2018 - 07.2025
Skills
- Strong analytical and critical thinking abilities for problem-solving and decision-making
- Excellent interpersonal and communication skills, both verbal and written
- Proven ability to work independently and as part of a team to achieve objectives
- Physically fit, adaptable, and resilient in high-pressure environments
- Skilled in fraud detection, prevention, and investigation
- Experienced in intelligence gathering, evidence handling, and report preparation
- Knowledge of compliance regulations, data protection laws, and industry legislation
- Multilingual – fluent in English and Arabic
- High attention to detail and accuracy in all tasks
- Strong organisational skills with the ability to manage multiple priorities
Languages
English
Fluent
Arabic
Fluent
References
References available upon request.
Timeline
Fraud investigator
Three UK
10.2023 - Current
Credit Operations Advisor
Three UK
10.2022 - 10.2023
Restaurant manager
Pasha Glasgow
11.2021 - 09.2022
Bachelor of Arts - Humanities and Social Sciences
University of Strathclyde
09.2018 - 07.2025
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