Jessica H.

Jessica H. Email and Phone Number

AI Product Strategy and Risk Consultant @ Pink Coat Labs
New York, United States
Jessica H.'s Location
New York, New York, United States, United States
Jessica H.'s Contact Details
About Jessica H.

Bridging Tech with Open Banking, KYC, & Regulatory Compliance expertise with cross-functional program management🚀 15+ Years Credit Risk & Identity Verification ✨SAFe 6.0 Product Manager & Scrum Master✨Specializes in AI integration, process improvement, and regulatory compliance ✨Speaker on Ethical AI Use Cases✨Proven track record of increasing efficiency & revenue ✨Expertise in KYC/KYB, fraud mitigation, & custom generative AI trainings🎤WITI media coverage at industry events: • Money2020 (2024) focused on open banking & Dodd- Frank 1033 highlighting transformative impacts on compliance, customer accessibility, and digital asset integration in financial services • CES (2025)consumer electronic trends 🔊 Featured Speaker: WITI's AI & Analytics Event (Creating AI Agents, 8/2024)💬 AI Think Tank Member (6/2024 - present)Core Strengths:✅ Open banking & Dodd-Frank Act Section 1033 ✅ FinTech✅ APIs & GUI✅ Agile Product Management✅ End-to-End Consumer Lending✅ Digital Transformation ✅ KYC/KYB & Identity Validation✅ Fraud Mitigation✅ Credit Risk Strategy✅ 1LOD / 2LOD / 3LOD✅ Data-Driven Risk Mitigation & ERM✅ Ethical AI & Responsible AI✅ Smart AI Chat Bots and NHLP✅ Continuous Process Improvement🤝 DISC style: Persuader 🆔 Fraud & KYC Expertise: ✔️ First Party Fraud ✔️ Second Party Fraud ✔️ Third Party Fraud ✔️ KYC & KYB ✔️ Verify Identity ✔️ Verify Deposit / Verify Payment ✔️ Credit Bust Out ✔️ Credit Abuse ✔️ Customer Abuse ✔️ Dispute Abuse ✔️ Bad Actors ✔️ Anti-Money Laundering💡 Continuous Learning: ✔️ AI/ML: Prompt engineering, SLMs & LLMs, Ethical AI implementation, AI Compliance. ✔️Smart AI chatbot trainings with responsible AI to ensure security ✔️Blockchain Council Certifications pending: Blockchain, Web3, & DeFi 🛠️ Product Creation & Improvement: 6+ years crafting data-driven solutionsReady for the Next Challenge! Let's transform challenges into triumphs together! Open to work. (602)318-7813 Jessica.S.Haas@Gmail.comOpen to relocation💼 Regulatory & Compliance: SOC2T2, AML, BSA, CFPB, Dodd-Frank Section 1033, Fair Lending, FACT, Fraud Prevention, GLBA, TILA, RESPA, HMDA, FCRA, SAFE, SOX, TRID, UDAAP, US Patriot Act; Regs B, C, E, O, P, Z 🔧 Tech Stack: MS Copilot, Open AI, Anthropic Claude AI, Perplexity AI, AI/ML tools, Enterprise Application Software, Salesforce, Microsoft Office 365, Chat GPT prompt engineering, Confluence, JIRA, Looker, LexisNexis, Lucid Chart, Monday.com, Miro

Jessica H.'s Current Company Details
Pink Coat Labs

Pink Coat Labs

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AI Product Strategy and Risk Consultant
New York, United States
Website:
pinkcoatlabs.com
Jessica H. Work Experience Details
  • Pink Coat Labs
    Ai Product Strategy And Risk Consultant
    Pink Coat Labs
    New York, United States
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  • Pink Coat Labs
    Ethical Ai Program Manager
    Pink Coat Labs Feb 2024 - Present
    Available for: Ethical AI Program Lead, Generative AI Compliance Consultant, AI Program Manager, AI Product Manager, Digital Transformation Lead, Fintech Product ManagerFounder of Pink Coat Labs & Strategic Product Leader with 15+ years in consumer lending and regulatory compliance with 5+ years of fintech & digital transformation. Expert in ethical AI, consumer credit risk, and fraud prevention, designing scalable, data-driven frameworks to enhance customer experience and operational efficiency. Skilled in AI-driven compliance and process re-engineering, with deep knowledge in Open Banking and Dodd-Frank. Blend of AI-driven risk management, product development, and agile methodologies, with a record of strategic decision-making, regulatory alignment, and stakeholder engagementWith 15+ years in consumer lending and 5+ years in fintech, digital transformation, and regulatory compliance, bringing expertise in ethical AI, consumer credit risk, and fraud prevention. Core offerings include:• AI-Driven Compliance & Process Re-engineering: Designing data-driven frameworks to align with regulatory standards like Open Banking and Dodd-Frank.• Customer-Centric Digital Transformation: Building scalable solutions that enhance customer experience and operational efficiency.• Emerging Fintech Specializations: Actively pursuing Blockchain, Web 3, and DeFi certifications to stay at the forefront of fintech innovation.Recognized for driving sustainable growth through agile, compliant, and forward-thinking strategies.Fraud & KYC Expertise:First-Party, Second-Party, and Third-Party Fraud | Credit Bust-Out | Customer and Dispute Abuse | AML & BSA Compliance | Bad Actor Detection | Identity and Payment VerificationRegulatory & Compliance:SOC 2 Type II | Dodd-Frank 1033 | AML/BSA | CFPB | Fair Lending | GLBA | SOX | UDAAP | Patriot Act | Regs B, C, E, O, P, ZEmail: Jessica.s.haas@gmail.com | Jessica@pinkcoatlabs.com
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  • Early Warning®
    Customer Risk Management Manager
    Early Warning® Nov 2022 - Feb 2024
    Scottsdale, Arizona, Us
    Early Warning Services LLC is a Fintech company providing data & identity solutions to prevent fraud, (best known for Zelle). Recruited to help transform manual vetting to a scalable digital process. Executed risk mitigation strategies, serving as business - technology liaison, delivering scalable solutions optimizing Third Party Risk process flows, authentication, & tools. Key Contributions:✔ Managed API application & GUI data governance approvals for resellers, sub resellers and merchants. Conducted enhanced review, fraud mitigation, and escalation pipelines for KYC vetting for all legacy products: Verify Account, Verify Deposit, Verify Identity, and Verify Payment ✔ Generation of end-to-end product roadmap, corporate vision brief, user stories & backlog grooming, and advised functional Sales Force updates for decision intelligence project✔ Conducted comprehensive gap analysis using quantitative & qualitative analyses for Third Party Risk Management divisions. Aligning strengths & facilitating cross-training the team✔ Conducted thin-slice MVP backlog grooming sessions with cross-functional overseas team to ensure delivery ahead of target schedule with critical / essential / enhancing mapping ensuring any tradeoffs kept MVP tasks on target for digital transformation on Salesforce project✔ Revised information security risk process for decision intelligence files requiring GUI access; resulting in reducing turn times, while ensuring files met eligibility/ legal/ privacy/ governance standards ✔ Updated CRM workflow processes to enhance efficiencies for KYC Vetting, process improvement, and escalationsSpecialties: Open Banking API & GUI approval access, Digital Onboarding, Salesforce, Verify Identify, Verify Payment, Verify Account, Verify Deposit
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  • Amerisave Wholesale Mortgage Solutions
    Loan Solutions Program Management ( Company Closed Summer 2022)
    Amerisave Wholesale Mortgage Solutions Apr 2022 - Jul 2022
    Brought in as a subject matter expert (SME) to proactively identifying root causes, proactively mitigating risks, and securing Management buy-in of resolutions. Key Contributions:✔ Negotiated and partnered with 110 brokers on replicating issues & managing escalations to resolve issues within 4 hours
  • Better
    Credit Risk Program Manager
    Better Aug 2020 - Mar 2022
    New York, Ny, Us
    Credit Strategy Sr SpecialistRapidly advanced from Underwriting to the Credit Strategy Department, pioneering dynamic solutions to enhance product development and process improvement. This role relied on real-time problem solving and end-to-end project lifecycle management for product launches. Led cross functional teams in managing program risks, executing process enhancements, and driving strategic initiatives. $2MM lending authority. Guiding underwriting business strategy with a team leadership role, created tools utilized companywide to underwriting staff of 500+. Facilitated funding of over $2B in consumer loans for this unicorn startup.Key Contributions✔ Created, implemented, and trained on an RSU calculator to reduce defects in income calculations using restricted stock by 19%, preventing investor buybacks. Developed the user stories, adoption roadmap, and job aids to facilitate scalable adoption companywide to 500+ underwriters✔ Developed user stories for Ally partnership concierge user experience project. Managed slack channel pipeline & streamlined communication paths between stakeholders to reduce the time to close by up to 24 hours using voice of customer (VoC). ✔ Compiled 17,000+ data points, used root cause analysis to identify suspense issues and a ~13% defect rate in initial decisions. Developed projects to minimize business impact based on these errors which resulted in 28% more revenue via completed transactions and reduced turn times by 2 business days✔ Established a Slack based customer-centric loop for Notable partnership project, handling pre-approval issues and resolving 87% of issues within the same business day, maximizing the customer experience
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  • Better
    Senior Underwriter
    Better Aug 2020 - Feb 2021
    New York, Ny, Us
    Jumbo Senior Loan Underwriter | Affordable Housing and Non-QM ExpertSpecializations: Home Ready, Home Possible, intricate self-employment assessments, comprehensive income and asset analysis, investment, secondary properties, in-house financing, manual reviews, and exception requests. Key Contributions:✔ Proactively manage $75MM monthly mortgage pipeline✔ Expertise in QM & Non-QM underwriting, adept at handling complex loans for high net worth clients, self-employed individuals, LLCs, Trusts, and first-time buyer programs.✔ Address inquiries and escalations through cross-channel collaboration, providing rationale behind decisions and ensuring data precision while suggesting alternative loan solutions.✔ Collaborate on Credit Strategy projects, achieving a consistent QC rating of over 95% while conducting 100+ initial reviews monthly.✔ Develop clear and effective risk mitigation strategies encompassing credit, legal, regulatory, and pertinent risks. Maintain updated compliance with regulatory requisites and adhere to credit policies.✔ Employ cross-channel collaboration to resolve questions, explaining decision rationale and requested documentation needs while upholding data accuracy.✔ Conduct intricate income and asset analyses, adept at navigating Loan Beam system peculiarities.✔ Combine innovation with industry acumen, underwriting high-risk, QM & Non-QM, Non-Agency, Fannie Mae (DU), and Freddie Mac (LP) loans, including unconventional scenarios.✔ Thoroughly review compensating factors for exception requests, expertly conveying the borrower's story to investors.
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  • Loandepot
    Credit Risk Management
    Loandepot May 2018 - Mar 2020
    Irvine, California, Us
    Non-QM UnderwriterExperienced Underwriter: Navigating Complex Loans PreciselyDedicated to underwriting a dynamic $51M monthly pipeline, specializing in non-conforming in-house programs and correspondent reviews for esteemed institutions: Chase, BAML, WFHM, US Bank, and more. Recognized for expertise in intricate loans for high net worth clients, self-employed borrowers, LLCs, and Trusts, with a $1.5M credit signing authority.Key Contributions:✔ Proficient in HomeReady, HomePossible, and 97% conventional lending programs, encompassing AMI limits and manufactured housing✔ Efficiently managed $51MM monthly mortgage pipeline, $1.5M credit signing authority✔ Successfully supervised non-conforming in-house programs and correspondent reviews for varied institutions: Chase, BAML, WFHM, US Bank, TD Bank, Galton, SG Capital, TIAA, Alliant, and Clear Capital.✔ Specialized in underwriting intricate loans for high net worth clients, Self-Employed borrowers, LLCs, Trusts, and first-time buyer programs✔ Proactively managed pipeline while adhering to credit policy guidelines, ensuring seamless operations✔ Provided clear strategies for credit, legal, regulatory, and risk mitigation via updated compliance and regulatory practices✔ Collaboratively resolved inquiries, explaining decision rationale, maintaining data precision, and suggesting alternate loan solutions✔ Skillfully identified impacts of program, policy, or functional changes on operations✔ Conducted complex income analysis and utilized Loan Beam for streamlined processes✔Applied innovative concepts with deep industry knowledge to underwrite higher risk loans, including Non-Agency, Fannie Mae (DU), and Freddie Mac (LP) loans, spanning manually underwritten loans, jumbo underwriting, asset-based lending, and unconventional AUS-derived scenarios
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  • Chase
    Credit Risk Management
    Chase Feb 2017 - Mar 2018
    New York, Ny, Us
    Jumbo UnderwriterEfficient Underwriting Mastery: Guiding $50M Monthly PipelineNavigating a $50M monthly pipeline, covering jumbo loans, short-close purchases, in-house financing, HARP, and investment properties. Proficiently managing this with $1M signing authority, specializing in expedited reviews for high-priority clients. Sustaining 96%+ quality rates and 95%+ customer satisfaction.Specialties:Jumbo ($1M) loans, QM & Non-QM adept, short-close purchases, in-house financingFocused on high-priority clientele, manual reviews, seasonal income, self-employmentProficient in HARP, first-time buyer, affordable housing programs, investment properties, CO-OPsKey Contributions:✔ Oversaw a jumbo mortgage pipeline, exceeding $49M monthly, holding $1M signing authority. Specialized in expediting high-priority client reviews, bolstering market share within existing banking relationships by transitioning them to mortgage partnerships✔ Rigorously verified tax returns, self-employment docs, credit reports, and appraisals for compliance and risk assessment. Ensured comprehensive risk mitigation, enhancing valuable investments within the Chase portfolio✔ Utilized innovative concepts and deep industry knowledge to underwrite higher risk loans, including Non-Agency, Fannie Mae (DU), and Freddie Mac (LP) loans. Expertly handled manual underwriting, jumbo underwriting, asset-based lending, and unconventional AUS-driven scenarios✔ Showcased exceptional time management, conducting 7+ loan reviews daily within an impressive 24-48 hour turnaround✔ Collaboratively addressed inquiries and escalations, explaining credit decision rationale. Reduced resubmissions, expedited turn times, and elevated customer survey satisfaction✔ Provided clear, consistent strategies to mitigate credit, legal, regulatory, and pertinent risks. Maintained updated compliance and regulatory alignment, from investors and government, while adhering to credit policy
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  • Wells Fargo & Company
    Credit Risk Management
    Wells Fargo & Company Nov 2011 - Oct 2016
    San Francisco, California, Us
    Senior Consumer Loan Underwriter III, Acting Manager, Management/Leadership ProgramSpecialties:Short-close purchases, first-time buyers, and affordable housing programsInvestment and multi-family propertiesManual underwriting, seasonal income & self-employment, QMKey Contributions:✔ Acting Manager as needed for 3 years, leading over 15 underwriters and closers. Ensured pipeline management, escalation resolution, and decision quality to maintain cost per loan (CPL) for the highest producing region of the #1 US mortgage servicer during tenure.✔ Improved clear-to-close ratio from 33% to 67% within 3 days as Acting Manager. Utilized cross-channel collaboration and interpersonal skills to explain credit decision rationale.✔ Managed individual mortgage pipeline exceeding $23MM monthly, conducting an average of 2 initial reviews and 2 files to closing daily YoY. Maintained consistent 95%+ QC ratings.✔ Maintained a clear-to-close ratio of 50% for resubmission files, conducting over seven file reviews daily. Balanced concurrent production requirements while testing for highest-level conventional authority.✔ Successfully completed all FHA test cases and appraisals using the new handbook.Key Projects:✔ Ongoing 6-month project as part of the WFHM Management training program. Collaborated with management from across the country to launch the new Irving TX site from 0 to 1. Underwriters were hired from a job fair with no prior underwriting experience. Program assessed viability of creating production-ready underwriters from scratch. Provided on-site enablement & SME for new hires, ramping them up on WFHM requirements, credit policy, best practices, & Loan Beam for new underwriters & management team.
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  • Social Security Administration
    Diversity Council Executive Committee Vice-Chair
    Social Security Administration Sep 2009 - Nov 2011
    Baltimore, Md, Us
    Teleservice RepresentativeKey Contributions:📞 Processed inbound calls to determine nature of call and service need—benefit letters, death reports, disability appeal forms, entitlement eligibility and benefit estimates, over payment or underpayment of benefits, claims appointments for serves, Medicare enrollment, local (low cost) service directories.📃 Packaged necessary appeals paperworkKey Projects: 🤝 Played a key role in establishing new regional diversity council. Duties included budget management, support, & establish mentorship program for Region IX (CA, AZ, NV, HI, American Samoa, Guam, and Saipan)🙋‍♀️ On-site guest trainer on specialty topics for calculating benefits and handling challenging callers . Training included guidance on new and existing resource tools, custom educational materials, and coordinated job shadowing enrollment, local (low cost) service directories, and updating consumer information.
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  • Earnhardt Auto Centers
    Senior Loan Processor/Team Lead
    Earnhardt Auto Centers Jul 2001 - Jun 2009
    Chandler, Arizona, Us
    o Specialties: Business development, lead generation, lender program matching, loan processingExperience at Mr. Ed Department, Sub-prime Finance Processor (~6.5 years)💲 Achieved $1M annual profits for the sub-prime automotive division of the #1 Dodge Dealership in the World & associated dealerships.✔ Surpassed productivity goals by over 100%, resulting in $1.08M annual gross profit.✔ Consistently the top revenue producer YoY and ensured high customer conversion rates from leads.✔ Generated additional monthly profit of $75,000 by creating new sales leads from service follow-ups.✔ Designed sales tools for the processing team, including productivity monitoring tools and customer inquiry scripting templates.✔ Proficient in understanding the requirements of up to 40 lender programs, serving as a junior desk underwriter for generated leads.Key Projects:📊 Developed enablement tools and conducted training for new hires, enabling them to achieve top producer status immediately after training, enhancing departmental success.📞 Designed effective scripting for initial contact to point of sale, enhancing buyer experience and facilitating smoother sales interactions for clients and loan officers.🤝 Created a "Customer for Life" experience by providing training and guidance to potential buyers who initially didn't qualify. Trained the processing team to enhance customer loyalty, processing efficiency, and overall lifetime value.Business Development (~9 months):💲 Achieved top Business Development Representative (BDR) status with the highest conversion rate of service follow-ups to new car sales conversions.🤝 Proficiently resolved issues to ensure optimal customer satisfaction.Retail Floor Sales (~9 months):★ Demonstrated vehicles, conducted credit reviews, and negotiated with customers across all associated dealer franchises★ Established meaningful connections across all locations, contributing to enriched organizational knowledge
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Jessica H. Skills

Management Leadership Finance Customer Service Loans Training Data Analysis Insurance Financial Analysis Powerpoint Microsoft Word Risk Management Project Management Strategic Planning Research Sales Process Improvement Risk Assessment Change Management Operations Management Business Development Microsoft Office Budgets Business Strategy Analytical Skills Risk Analysis Six Sigma Logistics Supply Chain Management Sales Management Team Building Organizational Development Microsoft Excel Sharepoint Laboratory Skills Supply Chain Analytical Reasoning Editing Technical Writing Project Planning Budget Monitoring Chemistry Biochemistry Biology Genetics Strategy Credit Public Speaking Team Leadership Social Media

Jessica H. Education Details

  • Arizona State University
    Arizona State University
    Bio-Chemistry
  • W. P. Carey School Of Business – Arizona State University
    W. P. Carey School Of Business – Arizona State University
    Business
  • New Mexico Institute Of Mining And Technology
    New Mexico Institute Of Mining And Technology
    Chemical Engineering (Major)

Frequently Asked Questions about Jessica H.

What company does Jessica H. work for?

Jessica H. works for Pink Coat Labs

What is Jessica H.'s role at the current company?

Jessica H.'s current role is AI Product Strategy and Risk Consultant.

What is Jessica H.'s email address?

Jessica H.'s email address is je****@****ase.com

What schools did Jessica H. attend?

Jessica H. attended Arizona State University, W. P. Carey School Of Business – Arizona State University, New Mexico Institute Of Mining And Technology.

What are some of Jessica H.'s interests?

Jessica H. has interest in When Not At Work, Arts And Culture, Lindy Hop.

What skills is Jessica H. known for?

Jessica H. has skills like Management, Leadership, Finance, Customer Service, Loans, Training, Data Analysis, Insurance, Financial Analysis, Powerpoint, Microsoft Word, Risk Management.

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