● Develop, document and implement risk strategies and policies ● Collaborate with internal teams to develop processes that will drive risk understanding with our clients for operational efficiency ● Conduct risk assessments to identify vulnerabilities and gaps to ensure minimal fraud and risk exposure● Monitor payment processing activity and identify risky behaviors, credit risk exposure, excessive disputes and fraud● Effective communication that balances the organization's interest while providing a positive customer experience ● Develop and distribute payments best practice guides for our users● Utilize Stripe for reporting, risk mitigation and visibility to incoming fraud● Establish collection policy including templates, restrictions and remedy● Establish dispute policy as well as guideline of when to take action on accounts● Vet newly boarded accounts to determine business health and level of risk● Lead live risk webinar for our clients to learn best practices and related risk management ● Identify fraud patterns, investigate suspicious activities and take prompt action to mitigate

• Manage payments team and operations of the West payments network and customer service for all Brand dealer locations• Manage expenses and revenues related to retail payments daily processing • Responsible for monitoring and reporting all fraudulent credit card and debit activity // Implement fraud controls • Ensure PCI compliance of departmental operations• Manage chargeback procedures as it relates to both proprietary and third-party payment products• Create and maintain departmental policies and procedures • Work with Legal and Tax department to ensure guidelines followed and risk mitigated• Support network of dealers, jobbers and the retail footprint of ARCO and third party brand stations

• Manage Risk team – call quality, train/mentor, time off requests, yearly reviews etc • Monitor the payment processing activity within our merchant portfolio to identify risky behaviors, including credit exposure, excessive chargebacks, fraud and non-compliance with card brand rules• Contact merchants directly when needed to inquire/investigate areas of concern • Monitor merchant accounts daily; decision settlement or holding funds to mitigate fraud/high risk or satisfy a collections balance. Review merchant historical data, credit report, CBR, tax returns, financial documents, invoice and other relevant documents to decision payment• Identify fraudulent activity/patterns; calculate Risk exposure and take prompt action• Review/maintain MATCH / TMF (terminated merchant file) • Review chargebacks and retrievals, contact merchant for prompt resolution• Partner with Legal when needed to ensure compliance with card brand rules, and contractual obligations • Develop and document underwriting, credit risk and compliance policies • Maintain relationship with merchants / banks / sales representatives / ISO etc• Defuse escalations from BBB, online posts and any other brand damaging statements related to payments

• Manage new customers /review credit worthiness / establish credit limit / set up new account• Perform collections on accounts exceeding terms of N30/N45• Identify and resolve credit inconsistencies and suggest appropriate corrective action• Archive documents according to records retention policy / create policies• Investigate and correct G/L entries / prepare audit prep work / reconcile• Pull Experian / analyze financial statements to determine credit worthiness • Cash posting / cash reconciliation

• Accounts receivable / payable / data/journal entries / month end reconciliation /maintain credit lines • Freight – approve and reconcile all incoming/outgoing freight charges / maintain insurance claims / maintain relationships with representatives of freight companies• Investigate and correct G/L entries / prepare audit prep work /work on reconciliations• Review and recommend credit limits for new and existing customers by utilizing D&B, payment histories, and references• Research federal and state tax issues; Assisted in payroll tax and sales tax returns• Composed daily, weekly and monthly reports of accounts receivable, credit, and collections