Daniel Valverde Email & Phone Number

• Provide in-depth data analysis on AML models, including Customer Risk, Product Risk, AML Country Risk, and Industry Risk.• Partner with business and technical groups to lead and implement analytic solutions.• Implement and/or maintain program compliance with all corporate model risk requirements.• Ensure adherence to legal regulations and company policies on all projects managed.• Communicate with peers, managers, Corporate Model Risk, internal Audit, Financial Crimes Investigations, and product managers.• Provide analytical support regarding a wide array of business initiatives in the Financial Crimes space.

Charlotte, North Carolina Area

• Consult on model creation, refinement, monitoring, documentation of data anomalies, and authentication of data origins for the implementation of the new Enterprise Risk Model framework• Create and maintain Risk Appetite, Key Risk Indicators, and Know Your Customer program metrics for the Enterprise Risk Management, Compliance, and Risk Counsel • Perform comparative/data analysis on AML Law Enforcement requests and present data visualizations to Head of Compliance Analytics • Develop and publish quarterly Intelligence Analytics and Compliance (IAC) Intelligence report based on findings from enterprise customer metrics and attributes• Generate and publish quarterly geographical risk reporting via the analysis and transformation of data from FICEN, FATF, World Bank, and the US Department of State • Develop, assess and implement company-wide risk tools and matrices including NAICS, industry & country dashboards• Generate reporting of multi-variable risks ratings through exploratory analysis of emerging trends and new issues within financial crimes • Analyze High Intense Drug Trafficking and Financial Crimes zip codes and incorporate findings into KYC models and programs • Assess risk level of newly on-boarded customers and determine financial crimes trends highlighting including customer types, geographic locations, regulatory sanctions and defining customer attributes• Provide guidance and consultation to business and control leaders on significant enterprise customer risk rating shifts • Collaborate with key Business Intelligence stakeholders to design, create and validate IAC Intelligence dashboards • Drive the implementation and validation of product risk rating changes to Hogan and CRMS system of records • Partner with business and technology groups to bring awareness to the changing landscape and probable global and LOB-centric risk impact to Wells Fargo

• Responsible for the development and enhancement of victim fraud strategies to mitigate risk of fraud and/or loss with specific focus on account takeover fraud risk • Recommend and participate in the development of complex analysis designs using statistical and/or financial analysis, predictive modeling, process documentation, comparative analysis, customer/demographic analysis, etc.; interpret results and recommend solutions to reduce losses and/or maximize operational efficiency/quality• Responsible for investigative research, root cause analysis and risk consulting regarding highly complex financial crimes transactions, policy violations and/or suspicious situations.• Identify and recommend internal and external data sources, compile/mine data from multiple, cross business sources• Assist in the technical build-out and/or support of databases, query tools, reporting tools, BI tools, dashboards, etc. that enable analysis, modeling, and/or data visualization• Consult with partners to identify and define account takeover fraud trends and translate business needs into complex analysis designs, fraud strategies and recommendations • Perform detailed defect analyses and examines complex loss patterns to detect patterns, trends, anomalies and schemes in transactions and relationships across multiple businesses/products to prevent criminal fraud activity perpetrated against Wells Fargo and its customers• Leverage internal and external resources to achieve established business goals and ensure results • Responsible for maximizing return on investment through identification of gaps in or synergies between existing fraud strategies, as well as, creating new strategies• Consult all lines of business on new risk related products and capabilities or procedures, delivery channels and access devices

Charlotte, North Carolina

• Use SQL data management tools to aid in the review of debit transaction volumes and rule performance in order to determine and implement the most effective segmentation of fraud queues • Perform statistical and comparative analysis using data management tools including Teradata and SAS to ensure the lowest false positive and highest net benefit performance is obtained • Perform root cause analysis of complex fraudulent activity and policy violations exceeding $5,000 in fraud losses• Present detailed business cases identifying risks and opportunities to mitigate fraud through the facilitation of a weekly Large Dollar Review (LDR) live meeting held with cross channel business partners • Utilize SAS to automate debit and credit LDR decision quality reporting• Build out queries for a daily dashboard to support the creation of reporting tools that visualize debit PIN and signature volumes, approval rates, decline rates, penetration rates, false positives and rule fires• Perform data analysis to identify debit card fraud trends and implement subsequent fraud strategy queue updates and/or make debit risk rule recommendations• Create and modify ad hoc reporting utilizing trend referrals from the South America Voice Facilitated Fraud (VFF) team to ensure the effective monitoring of debit card ATO activity linked to the Venezuela and Mexico geographical footprint • Utilize defect analysis to detect anomalies, outliers and fraud trend impact across the debit signature and PIN portfolio • Utilize data mining, investigative research and the development of fraud strategies to swiftly resolve identified opportunities that pose a potential fraud loss to the bank • Serve as point of contact for cross channel inquiries received from investigators and consultants requesting debit card fraud reviews of bank customers• Perform a monthly calculation of queue ROI and adjust queue prioritization accordingly to achieve maximum operational efficiency

Charlotte, North Carolina

• Supervise and coach a staff of 17 team members to exceed departmental goals in the 5 critical Key Performance Indicators (KPI) for the Fraud Prevention department.• Research credit & debit queues/decision quality performance and provide feedback on the level of impact and risk associated with identified false positives.• Work directly with the HPI and Training & Developing team to ensure compliance with applicable regulations and identify procedural gaps that pose the risk of reduced efficiency.• Develop relationships and maintain open communication with varied business partners including, but not limited to analytics, strategies and risk associates.• Mitigate loss and customer attrition through the examination of large dollar losses and coaching of all identified opportunities within Fraud Prevention.• Review decision quality databases for missed opportunities in identifying fraudulent activity/transactions and deliver feedback to FCS2 (Financial Crimes Specialist), FCS3, FCS4 and FCA1 (Financial Crimes Analyst).• Determine root cause of Prevention’s month over month decision quality performance gaps by analyzing variances and presenting performance by product, queue and tenure.• Create and facilitate educational workshops regarding the identification of difficult fraud types and the skillset required to maximize efficiency within a blended fraud model.• Monitor queue distribution, ongoing production and workflow of FCS2, FCS3, FCS4 and FCA1.• Facilitate interviews, make employment decisions and conduct performance evaluations for all direct reports.• Utilize subject matter expertise, strong communication and interpersonal skills to manage and resolve complex escalations.• Motivate and encourage the development of the team’s professional brand through timely feedback, engagement and building relationships with each direct report.

Charlotte, Nc

• Monitor and review specialty queues using multiple systems, forward referrals and UARS to other financial crime divisions to identify potential ATO, Bustout, NAF and Deposit fraud.• Directly interact with other business groups such as VFF, Fraud Strategies and Redlite to provide research support, identify suspicious activity and mitigate financial loss for complex accounts.• Research and analyze high risk accounts to improve customer experience and asses risk for WF executives, HVC and Private Bank clients.• Assist managing the staffing, production and daily workflow for Fraud Operations team.• Recommend procedural changes, system issues and suspicious trends to management and various groups to improve daily team member functions, strategies and fraud policies.• Asses team members’ decision making and identify policy violations or errors to provide recommendations for daily improvement and maintain high quality production.• Facilitate team members as an escalation point for complex situations.• Update and maintain KPI reporting for management.

Charlotte, Nc

• Researched, verified and/or identified customer’s credit/debit card activity to detect and/or prevent potential fraud by using multiple systems and resources.• Provided exceptional customer service by responding to routine inquiries and providing maintenance on accounts.• Referred findings on possible Suspicious Activity, Identity Theft Operations and Suspected Financial Abuse based on research and trends.• Mentored new and current employees on fraud procedures, techniques and policies to obtain better working habits and efficiency.• Handled converted Wachovia (continuous access) accounts to provide customers with non-interrupted daily banking usage.• Participated in LEAN to update, improve and change present fraud policies and procedures.

• Train new valets on company procedures and daily operations.• Oversee 3 accounts and sixteen employees weekly.• Relay information, concerns and problems to management.• Respond to employee and customer complaints.

• Eliminated $7,000 of debt within the first semester.• Budget and balance over $54,000 each semester.• Help organize and raise $2,000 in fundraisers and donate all proceeds The Boys and Girls Club.• File Tax Form 990 for Non-Profit Oragnizations. • 2008-2009 Brother of the Year.