• Primary assistant to the Risk Management Officer - responsible for the investigation of fraudulent, illegal, or improper activities by internal or external means and the prevention and recovery of losses sustained by such activities. Complies with all Credit Union rules and regulations, including BSA/AML, Red Flag ID and Loan and Fair Lending Policies.• Conduct investigations of fraudulent activity to ensure minimal loss to the organization. Review incoming online applications from associations. Monitor alerts from Verafin.• Perform thorough review of risk-related reports, daily and monthly. Perform periodic reviews and audits of various file maintenance reports. Works often with management staff on questions and feedback. • Files and submits SARs as needed.• Assists in the risk assessment for new products and risk ratings of vendors. Develops, maintains and implements policies and procedures to detect and prevent the occurrence of fraudulent activity.• Educates Credit Union employees to identify and respond to potential security violation situations.• Acts as a liaison to local, state and federal law enforcement agencies in the Risk Management Officer’s absence. • Assist with audit coordination and follow up on findings or action items for the Credit Union.• Utilize internal programs and systems such as Symitar, Synapsys, Verafin, JHA Xperience, Co-Op, Fiserv, FinCEN and Meridian Link.

• Utilized multiple internal programs and systems to review customer accounts and resolve escalated Agency (FRB, AG, BBB) consumer complaints.• Assisted and collaborated with other teams within the Risk Division in mitigating fraud losses and identifying fraud trends.• Reviewed high dollar fraud claims to ensure Regulation time frames were met, including Service Level Agreements (SLAs).• Created and kept a spreadsheet of reviewed high dollar claims and provided Senior management with monthly figures in claim dollars saved and reported and fraud losses.• Ensured that all claim reviews were handled properly and in compliance with banking regulations (E, Z, UDAAP, etc.), EFT systems, chargeback rules and BSA/AML.• Referred any suspicious fraud incidents to the BSA/AML team for possible SAR filings.• Utilized software systems such as Salesforce, Twilio, PTS (for Mastercard) and Insight.

• Reviewed, reported and conducted investigations in accordance with the Bank Secrecy Act.• Used investigative techniques to analyze information, determine liability, risk exposure and mitigate financial losses.• Collected data, recognized problems and drew valid conclusions to resolve fraud claims as they relate to member accounts and card activity.• Worked with all levels of associates and law enforcement agencies to research and conclude fraud investigations.• Trained new hires on processing card fraud claims and risk reports.• Conducted account investigations to identify possible money laundering and/or suspicious activities in accordance with regulatory requirements (BSA, Reg E and Reg Z).• Filed CTRs and SARs to FinCEN when applicable.• Utilized software systems such as Branch Suite, Fiserv EFT, and Patriot Officer. Core system was Fiserv Spectrum.

• Processed requests to order Visa credit/debit cards for all credit union membership.• Transmitted PBF, CO-OP and card order files daily.• Processed incoming fraud alerts and card block reports.• Backup to ATM Coordinator in processing ATM deposits and adjustments.• Backup to Visa Coordinator in processing Visa fraud claims, credits and chargebacks.• Assisted with Apple Pay enrollments.• Processed loan corrections and adjustments.• Worked directly with CESO and ES Manager on card and fraud procedures and the development and implementation of EMV/Chip cards, instant issue and card imaging.• Utilized software systems such as FSP, Telnet (Mainframe), TrueCards (Advanced Fraud Solutions) and VROL (Visa Resolve Online). Core system was UltraData. Also communicated with Jack Henry for card processing.