Heitor Meirelles Email & Phone Number

San Francisco, California, United States

Responsible for safeguarding the integrity of WeTravel's payment processes through daily payment screening and transaction monitoring. My ongoing activities include detecting and preventing fraudulent activities, managing disputes, and working closely with internal teams and external partners. Key responsibilities:- Payment Screening: Conduct daily screening of incoming and outgoing payments to identify and prevent suspicious activities, while performing due diligence on high-value transactions.- Transaction Monitoring: Continuously monitor transactions to detect unusual patterns or behaviors, proactively addressing potential risks as they arise.- Fraud Detection: Regularly identify and escalate fraudulent activities, blocking suspicious users and collaborating with risk and compliance teams.- Dispute Management: Provide ongoing support to users throughout the dispute process, ensuring efficient and seamless resolution in line with industry regulations.- Cross-functional Coordination: Collaborate regularly with internal teams and external partners to address inquiries and resolve issues promptly.

São Paulo, Brasil

AML Rules and Regulations Oversight: Continuously updated AML protocols focusing on KYC, KYE, and KYS, ensuring compliance in customer and supplier interactions.AML Monitoring and Rule Development: Identified and analyzed financial crime patterns using advanced anomaly detection techniques, contributing to the creation and refinement of AML rules.AML Monitoring Execution: Conducted detailed analysis of transaction histories and client relationships to detect suspicious activities, promptly reporting risks to COAF.Participation in Internal Audits: Actively collaborated in internal audits, ensuring AML processes were adequate and implementing improvements as needed.Response to Card Network Due Diligences: Effectively responded to card network due diligences, ensuring compliance with regulatory requirements.Back Office Team Support: Provided strategic support to the back-office team, ensuring effective AML policy execution and regulatory compliance.Response to Central Bank Requests: Responded to Central Bank requests, ensuring accurate information delivery and regulatory compliance.Restricted Lists Consultation and Dossier Preparation: Consulted restricted lists to prepare detailed dossiers in correspondence cases.US Expansion Project: Participated in the U.S. expansion project, ensuring AML practices were adapted for the new market.Risk Assessment and Compliance Strategy: Acted as a business partner for new products, ensuring legal compliance and risk mitigation.Data Analysis and Strategy Development: Led data analysis and strategy development to optimize operational efficiency.Training: Responsible for creating the AML/FT mandatory Training for Employees.

- Responsible for cyber fraud prevention analysis in processes, using artificial intelligence tools with machine learning (Sift/Perseuss) combined with cyber investigation through OSINT, to ensure the management of fraudulent purchases and real-time financial loss mitigation.- Directly involved with clients, banks, hotels, airlines, providers, travel agencies, and various payment methods (American Express, EBANX, Ingenico, Sabadell, Klarna, Paypal, etc).- Prepared and developed over 400 defense petitions in chargeback processes with payment providers, as well as handling, registering, defending, and fully monitoring chargeback processes.- Managed administrative and accounting aspects of refunds and losses due to criminal and friendly fraud cases, while also tracking trends related to the increase in fraudulent bookings by geographical location and refining system rules to prevent mass attacks.- Analyzed, prevented, and mitigated fraud related to promotion/voucher abusive behavior, including client filtering and monitoring purchases from the Brazilian market.- Conducted basic training for travel agents on fraud prevention and reporting of potential fraudulent cases.- Responsible for managing, responding to, and monitoring incidents reported on the ReclameAqui website, engaging directly with clients for extrajudicial resolution of complaints and incidents arising from reservation issues, thereby preventing possible legal demands.- Prepared official documents and shared information on criminal fraud with Spanish police stations and departments, ensuring compliance with processes and excellence in all operations.Competencies: Investigative research, transaction monitoring, attention to detail, risk reviews, anti-fraud, cybercrime, analytical skills, negotiation.

- Engagement in the realms of criminal, family, and civil law, ensuring that all activities are carried out in accordance with the policies established by the firm and aligned with the business strategy.- Responsible for client service, providing all legal technical support in case of any questions.Preparation of petitions, legal documents, appeals, and defenses, including conducting hearings and monitoring legal proceedings at all stages.- Facilitation of extrajudicial settlements, ensuring coordination with the police department if -necessary.- Active participation in meetings and hearings of low, medium, and high complexity.Key achievements: Advocacy for the specific interests of clients in each individual case.

Curitiba, Paraná, Brasil

- Responsible for supporting attorneys, ensuring assistance regarding procedural matters, as well as drafting petitions, requests, and appeals for the investigating body, and attending hearings when necessary, ensuring compliance in the processes and excellence at all levels.

Curitiba

Curitib

Rua Máximo João Kopp, 274, Bloco Ii, Centro Judiciário Santa Cândida Curitiba/Pr

Curitiba

Curitiba

Rio Grande Do Sul, Brasil