Establish, scale, and lead a global fraud operations organization investigating merchant & transaction fraud, account takeover, and card testing/enumeration. Develop and launch processes for fraud prevention, risk user experience, decision quality, and risk appeals encompassing >1 million investigations annually. Lead cross functional fraud initiatives and establish objectives, KPIs, and long term strategic roadmaps while driving continuous process and detection improvements. Lead fraud & risk incident response, mitigation, and remediation along with scaling distributed fraud investigative and actioning capabilities. Key Competencies: Strategic Thinking, Analysis, Profit & Results, Relationship Management, User ExperiencePrevented 9 figure fraud losses annually by scaling a global fraud investigative and operations organization. ● Developed and launched procedural workflows, systematic risk mitigation interventions, and analyst tooling to drive decision accuracy and streamline investigative processes.● Established metrics to assess efficacy of analysts, investigation types, and evaluation processes to automate and maintain accurate fraud controls while maximizing utilization of human analyst capacity. ● Created an advanced attacks team to proactively identify and mitigate complex, distributed fraud attacks encompassing merchant, transaction, and identity fraud. Key Competencies: Cross-Functional Leadership, Collaboration, Performance Monitoring, ComplianceDeveloped and led a team of risk experts critical to launching new products, operational process, UX initiatives, and compliance requirements. ● Collaborated with stakeholders including compliance, operations, legal, risk, and product to identify short and long term business needs within the organization’s scope.● Dedicated risk expert support in alignment with product and market expansion initiatives to enable and expedite business growth while minimizing fraud and compliance risk.

Led end to end fraud testing for wireline consumer upstream and downstream applications in ordering processes including Dotcom, credit check, payment portal, mobile app, chatbots, point of sale (POS), and care systems. Identified & recommended enhancements to address weaknesses that could be exploited for fraud. Established key objectives, KPIs, and set up end to end fraud testing practice.Key Competencies: Change Management, Analytics, Forward & Strategic Thinking, Performance MonitoringEstablished IT based fraud testing organization to identify and remediate fraud risks in new/existing systems/controls● Evaluated company’s existing fraud landscape, risks, controls, and prioritized focuses by financial impact● Applied targeted testing scenarios focused on control/data validations, vulnerability testing, and data availability● Managed consistent regression/progression testing suites for each scheduled release & for high priority standalone projects/product launchesKey Competencies: Communication, Collaboration, Cross-Functional Team Leadership, Relationship ManagementRemediated audit issues with development of new processes and procedures for test script development/execution, traceability, defect remediation, and enhancement implementation● Built roadmap with parties including IT, fraud strategy, and finance to remediate issues identified● Evaluated existing processes and identified necessary modifications and deficiencies ● Implemented required changes & created necessary documentation

Responsible for e-commerce fraud strategy development and implementation for North American and European websites. Manage Corporate Investigations team, focusing on e-commerce manual review processes. Initiate investigations, provide support for in-store internal/external theft and fraud issues and investigative assistance for law-enforcement agencies. Identify and mitigate nationwide program risks involving credit/debit, NFC payment (Apple Pay/Google Pay), /MasterCard/Visa (EMV), and e-commerce transactions. Oversee online credit card disputes, minimizing CNP chargebacks. Analyze data and identify emerging fraud trends and process/payment opportunities across various centers.Key Competencies: Data Analysis & Modeling, Performance Assessment, Strategic Thinking, ProfitabilityPrevented $1.5M annual chargeback expense increase (27% improvement) ● Reassessed existing fraud systems, models, and data sources to determine effectiveness● Implemented new data modeling and fraud rulesets targeting high-risk orders● Boosted chargeback reversals, reducing chargeback losses & associated expenses Key Competencies: Order Fulfillment & Efficiency, Customer Experience, Collaboration, System ManagementDecreased fraud-processing times by 90%, maximizing efficiency and driving repeat business● Collaborated with stakeholders to identify pain points in system impacting business and customers ● Restructured departmental priorities, workflow, and scheduling to align with business needs● Re-vamped fraud models, rulesets, and systems to reduce order volume requiring manual review● Facilitated seamless customer experience from digital-product order to in-store collection Key Competencies: Risk Mitigation, International Relations, Flexibility, Merging & Integration, Teamwork & TrainingSecured 80% reduction in chargeback losses● Aligned and merged European division’s e-commerce fraud-screening processes with North American group

Led team of technicians in identifying and supporting large-scale, organized retail crime and fraud groups. Directed internal investigations and oversaw market-shortage trending and analysis for 145 stores across 5 states. Communicated and established working relationships to SVP level. Trained technicians in exception-based reporting, metadata analysis, and operational deficiencies to drive case identification and resolution. Managed and prioritized center workflow and supported corporate and field investigations in addition to local, state, and federal law-enforcement agencies. Key Competencies: Analytics & Trends, Critical Thinking, Performance Management, Impact AssessmentReconciled $1M+ theft-incident-related recovered losses ● Analyzed data to identify loss drivers, historical trends, and analyst performance to determine business impacts● Structured support to learn analysts’ individual strengths and weaknesses in processes and methods ● Implemented new priorities, workflows, and procedures to target data analysis more efficiently● Achieved opening of 1,170 investigations resulting in restitution Key Competencies: Interpersonal Communication, Collaboration, Protocol & Jurisdiction, Incident ResponseMinimized negative impact from potential legal liability and media publicity of high-risk, violent in-store incidents● Responded quickly to incidents, establishing communication between all parties concerned● Secured digital evidence and CCTV footage to prevent unauthorized viewing or dissemination ● Conducted incident reviews to determine future improvements

Identified and resolved investigations focusing on pharmacy diversion, credit fraud, and counterfeit currency, plus online and brick-and-mortar fencing operations, in collaboration with local, state, and federal law-enforcement agencies. Managed mobile-investigations team supporting stores across 3 states, reducing and recovering losses and asset seizures. Conducted internal interviews of new employees, supported and mentored, and developed training courses. Attained level of President Arkansas Organized Retail Crime Association and lectured at Arkansas Fraud and Financial Crimes seminar. Key Competencies: Training, Inspection & Assessment, Initiative, Profit & Results, Loss RecoveryCapitalized $660K profits through 26-basis-point reduction in inventory losses ● Detected business areas contributing to store inventory losses● Educated store security about operational process breakdowns driving losses● Enhanced store visits to focus on operational issues in addition to theft-related, increasing overall awarenessKey Competencies: Training, Data Analysis, Legal Knowledge, Investigation Support, Accuracy & AccountabilityRecovered $300K+ from quickly resolved theft incidents ● Analyzed historical store data and documented theft incidents to identify theft drivers● Developed localized legal knowledge to support improved prosecutions and restitution● Instructed management and security teams about theft issues and investigation supportKey Competencies: Strategic Thinking, Collaboration, Complex Business Relationships, Investigative TechniquesRecuperated $250K+ from asset forfeiture● Discovered businesses employing professional shoplifters to obtain inventory for resale from same retailers● Built relationships with competition, prosecutors, and law enforcement to improve prosecution success● Gathered evidence from multiple affected retailers to aid successful prosecution