Destiny L. Email & Phone Number

- Review return activity reports daily to identify merchants exceeding industry threshold. - Communicate with partners to remediate poor merchant processing behavior and educate on ACH standards, which differ significantly from card processing. - Receive and process POA (Proof of Authorization) dispute validations between the merchant and their consumer bank. - Collaborate with the business operations team on merchant processing change requests. - Provide feedback and assist in updating ACH Risk team policies and procedures where deficiencies or gaps are identified.

- Implemented SignalR hubs for bi-directional communication between server and client, allowing for one to one and one to many communications. - Customized message protocols to ensure efficient and secure data transmission. - Maintained and optimized T-SQL queries and stored procedures in SQL Server Management Studio, enhancing data retrieval efficiency and database performance. - Designed and integrated RESTful APIs to facilitate communication between the front-end and back-end. - Utilized ADO.NET and ASP.NET for efficient data access and management, ensuring data integrity and optimized data retrieval operations. - Contributed reusable components to internal application framework. - Developed and debugged applications using Visual Studio Code and Visual Studio, utilizing their powerful integrated development environments for efficient coding and debugging processes. - Utilized Git and GitHub for efficient version control, leveraging multiple local branches for seamless updates. - Managed Postman API tools to design, develop and execute API tests for functionality and reliability of endpoints. - Participated in daily stand-up meetings to share updates on progress and obstacles and participated in code reviews, seeking feedback and opportunities for improvement. - Effectively used Trello for team communication, task management and project workflow.

o Responsible for the daily operations of Paynt US including managing relationships with the sponsor bank, partners, vendors and agent offices.o Created all processing procedures and policies for Onboarding, Monitoring and Support functions.o Hosted training workshops for the European Paynt office to learn about US merchant services and howthey differ.o Communicate with other departments to collaborate on actions or assistance.o Introduced to Webshield and Acuris compliance tools for ongoing diligence and monitoring of the risk portfolio.

o Greenlight was a new experience for me. Specializing in cannabis products added several additional layers to the underwriting review, compliance, risk analysis and ongoing maintenance processes after boarding.o Application packets are reviewed in fine detail, working very closely with the agent offices to ensure a complete packet is received to minimize approval delays.o Detailed website review of all pages, products, content and policies to ensure they are not using prohibited terminology.o In this role, I have owned and maintained the PCI program from implementation with vendor, Security Metrics. I have been very involved in the ongoing communication between SM and the merchants resulting in a 43% increase in merchant engagement.o Took the lead as IRIS (CRM) admin, creating and implementing secure access groups, automated notices and messaging, and formatting the digital application.

o Assisted with Sponsorship Bank conversion of primary portfolio.o Assisting with creation and implementation of a new CRM system, IRIS. o Responsible for merchant level pricing analysis, fee and billing updates and corrections.o Merchant statement messaging bi-annually (and as needed) for pricing and rate increases.o Daily TSYS balancing and MRA review in ‘Green Screens’.o Monthly reporting to sponsor banks ando Maintenance of third-party vendor services, such as Trustwave, G2 and Security Metrics.o + All Underwriter and several Risk Analyst duties listed below.

o Receive and enter all incoming merchant applications into the FrontStream database.o Complete background checks, reference validation on all applications submitted.o Decision whether account should move forward to processing bank for approval or declined.o Communicating with sponsor bank and agent teams.o Meet with Management to determine high risk actions as needed.o Send monthly reporting to include due diligence packets to processing bank, PCI non-compliance billing updates and breach insurance maintenance.

o Responsible for advanced portfolio management — to include merchant level audits, card brand registrations, dispute monitoring and remediation action programs.o Creating, Monitoring and Taking Action for advanced monthly reporting: Chargebacks, Suspended Funds, Loss write offs, Reserve Account maintenance and ACH Reject activity.o Work with Underwriting, reviewing diligence packets on questionable applications.o Primary Risk contact for primary processing banks, TSYS, First Data and Priority Payment Systems.o Work with internal billing for all merchant services related collection items.o Assist Compliance team with required Card Brand, Bank Level and Internal audits.

o Review daily processing activity across three processing portfolios, calling merchants to verify transactions, question processing activity and/or request documents, escalating concerns to risk manager as needed.o Created processes and updated SOP for risk reviews, early termination fee assessment, account updates and collection activity.o Maintained the website compliance review and audit program for all web-based merchants.o Served as customer service escalation point by assisting with advanced funding reconciliation, fraud concerns and conflict resolution.

o First line communication in all merchant related issues, assisting callers with day to day processing concerns including: deposit reconciliation, account maintenance and equipment troubleshooting.o Assist independent sales offices and agents with maintaining their client portfolios.