James Barnes V Email & Phone Number

Weston, Florida, United States

Performs monitoring for credit underwriting and transaction risk monitoring. Provides oversight of the Independent Sales Organization (ISO) on boarding due diligence assessments. Ensures ISO compliance with card brand (Visa, Mastercard), consumer regulations and sponsor bank requirements.

Miami, Florida, United States

Collaborated with business partners to effectively manage the startup initiatives for an emerging Fintech company. Implemented Risk Monitoring and Underwriting procedures for merchant services and digital banking solutions. Developed strategies to seamlessly facilitate payments while providing real time fraud monitoring and risk mitigation. Assured compliance with regulatory requirements through the implementation of process controls and procedures.

Coral Springs, Fl

As a Senior Officer, I managed daily operations for the credit risk management department across multiple sites including locations in NY, FL, and India. I lead the team to conduct detailed credit risk assessments identifying various levels of fraud and credit risk exposures. I created and implemented strategies aimed at enhancing security models and investigation procedures within the credit card processing environment. I assured compliance with regulatory requirements through the implementation of process controls and enhanced security thresholds. I managed recovery efforts to secure potential loss of revenue, and negotiated reserve options to mitigate risk while increasing portfolio growth. I also ensured compliance with corporate policy and banking regulations. Moreover, I provided staff with consistent leadership and business partners with education on financial risk and fraud prevention methods.Some key accomplishments I’ve had during my tenure in this role have been: Reduced portfolio risk related loss YOY by $1.3M. Increased revenue through expanded credit policy, increased credit limits, and enhanced security monitoring procedures.  Received recognition as a leader with the ability to develop creative solutions resulting in effective collaboration with internal and external business partners. Liaised with corporate legal departments, law enforcement agencies, and facilitated complex compliance audits.

Coral Springs, Florida, United States

In this role, I managed a team of Risk Analyst who performed investigations and conducted detailed risk assessments. I carried out risk monitoring efforts to identify various fraud and credit risk exposures. I also assured risk assessments were completed to comply with corporate policy and association compliance guidelines.Two notable achievements I had in this role were: Streamlined processes and procedures in compliance with established policies. Conducted multiple recovery efforts to secure risk and established operating cash reserves to mitigate potential losses.

Coral Springs, Florida, United States

I conducted research to identify potential fraud and credit risk exposures. Negotiated operation reserve strategies. Handled various credit card association compliance reviews and communicated program requirements to clients. Obtained financial information and documented accounts. • Led communication efforts and negotiations with merchants and alliance partners• Executed various compliance risk reviews and chargeback reduction plans.