• Improved dispute investigations procedures to be fully compliant with Regulation E.• Initiated and completed project to rewrite and all outgoing dispute correspondence to adhere with Regulation E. • Developed and implemented various fraud controls using SQL and other data mining technologies. These controls prevented $2.4M in 2017, and $4.3M year to date in 2018, in potential fraud losses. • Point of contact between the bank and corporate United Health Care for report and… Show more • Improved dispute investigations procedures to be fully compliant with Regulation E.• Initiated and completed project to rewrite and all outgoing dispute correspondence to adhere with Regulation E. • Developed and implemented various fraud controls using SQL and other data mining technologies. These controls prevented $2.4M in 2017, and $4.3M year to date in 2018, in potential fraud losses. • Point of contact between the bank and corporate United Health Care for report and control development. This involves control modification, new report creation, testing, and serving as a subject matter expert regarding bank data. • Responsible for creating, developing, and testing new high profile fraud controls with corporate Optum quality control team.• Constructed daily reports in SQL and implemented procedure to deliver these daily. These queries have prevented over $350K+ in potential fraud losses since Q1 2017. Show less

• Research transfers on new accounts to determine if a risk of fraud is present. If so perform funds verification with external institutions as well as any needed maintenance needed on customer accounts.• Monitor customer login activity for unusual IP activity and transaction processing. Investigate unusual activity by contacting customers and potential fraudsters.• File detailed “Unusual Activity Reports” with FIU when unusual account activity was detected.

• Responsible for managing data, reconciliation, and closing accounts for debit card/checking decommission project. Successfully closed over 170,000 accounts in Q1 and Q2 of 2014 with minimal customer impact.• Supervised all aspects of a prepaid debit card portfolio including new client implementation, 3rd party vendor management, daily operations, loss mitigation, and regulatory testing.• Designed and developed monthly, quarterly, and semi-annual testing of Deposit Operations… Show more • Responsible for managing data, reconciliation, and closing accounts for debit card/checking decommission project. Successfully closed over 170,000 accounts in Q1 and Q2 of 2014 with minimal customer impact.• Supervised all aspects of a prepaid debit card portfolio including new client implementation, 3rd party vendor management, daily operations, loss mitigation, and regulatory testing.• Designed and developed monthly, quarterly, and semi-annual testing of Deposit Operations programs. Show less

-Initiated several projects including online disputes, a fraud detection tool, and a noting feature for accounts.-Responsible for the management of the dispute, fraud, collections, returns, wires, nightly processing, ACH, and debit card maintenance functions.-Reorganized the functionalities within the department to minimize bureaucracy and to increase productivity.-Improvement of CIP program by initiating an Experian search for new accounts. -Work with finance… Show more -Initiated several projects including online disputes, a fraud detection tool, and a noting feature for accounts.-Responsible for the management of the dispute, fraud, collections, returns, wires, nightly processing, ACH, and debit card maintenance functions.-Reorganized the functionalities within the department to minimize bureaucracy and to increase productivity.-Improvement of CIP program by initiating an Experian search for new accounts. -Work with finance department for monthly reconciliation of G/L accounts. Show less

Improved NSF check return policy to minimize risk of loss due to negative balance accounts.Implemented an adverse action of high risk debit card customers to mitigate losses.Created a comprehensive fraud strategy to identify fraudulent accounts and suspicious transaction activity.Managed anti-money laundering program by identification of fraudulent applications, counterfeit financial instruments, and suspicious customer behavior.

Constructed unique fraud queuing strategies on TSYS 1 Card Guard system for a corporate credit card product. By creating custom product specific fraud queues was able to improve false/positives from approximately 1:5 to 1:1.5 on top strategies.Utilized expertise in transaction processing and developed targeted strategies for fraud trends in Brazil, Spain, and Italy. These block, at the point of sale, approximately $100,000 in fraudulent transactions. This was done with no impact to… Show more Constructed unique fraud queuing strategies on TSYS 1 Card Guard system for a corporate credit card product. By creating custom product specific fraud queues was able to improve false/positives from approximately 1:5 to 1:1.5 on top strategies.Utilized expertise in transaction processing and developed targeted strategies for fraud trends in Brazil, Spain, and Italy. These block, at the point of sale, approximately $100,000 in fraudulent transactions. This was done with no impact to customers conducting business in these countries. Investigated high exposure fraud trends by gathering data, interviewing fraudsters, identifying trends, and providing information to local and federal law enforcement. Show less

Processed charge backs and did account maintenance in accordance with MasterCard and VISA regulations.Member of inter-departmental team to improve communication between various groups.Was selected for Winner's Circle award for excellence by vastly improving the processing of airline transactions. This enabled corporate clients to better reconcile the air travel of its employees.