Kristin Ostrowski, Cfe Email and Phone Number

Develop and implement the strategic payment fraud plans for all business lines and modalities for the company. Develop, own, manage, and communicate all customer payment card fraud related matters both internally with the digital and technology teams as well as other areas of the business and senior leadership with special focus on e-commerce. This includes, but is not limited to, all financial modeling, forecasting, budgeting, and financial analysis of payment fraud for the Payments Services and Acceptance team.

Serve as the primary fraud resource for Enterprise Payments. Develop, own, manage, and communicate all payment card fraud related matters both internally with the Enterprise Payments team as well as with other areas of the business and senior leadership with special focus on e-commerce. This includes, but is not limited to, all financial modeling, forecasting, budgeting, and financial analysis of payment fraud for the Enterprise Payments team. Demonstrate the company’s core values of respect, honesty, integrity, diversity, inclusion and safety.

• Identify and implement strategy for Point of Sale (POS) transactions with: proactive approaches based on analytical modeling, trending analysis, and insights from performance and control results• Develop fraud risk mitigation strategies, examine policy & procedure, and complete project plans with review of success metrics, return on investment (ROI), and key performance indicators (KPIs)• Responsible for fraud POS team including execution of objectives, talent development and performance reviews• Manage business relationships with key stakeholders, internal partners, external business partners, and active and potential new vendors

* Develop and analyze fraud expense focused on the proprietary card and Cobrand in store business.* Collaborate with stakeholders to achieve project deadlines and goals.* Analyze and report results, key drivers, and insights.* Manage business relationships with key stakeholders, Macy's Technology, external business partners, and active and potential new vendors.* Communicate with business partners (Macy's Credit and Customer Services, Divisions, etc.) on updated fraud trends and performance.* Utilize data and analysis to identify fraud expense mitigation strategies, critical business needs, etc.* Develop business strategies to reduce fraud expenses and maintain customer experience.* Communicate with senior management and business partners on detailed fraud strategies to address trends.* Partner with Credit Operation areas to evaluate requests from business partners to open tickets on defects, communicate with MST about open "bugs", and ensure corresponding business units test "fixes".* Direct data analysis, ad-hoc reporting, and process mapping.

* Translates business needs into analytics/reporting requirements, and interfacing with business partners to ensure successful delivery of reporting platform.* Lead object development, including metrics, attributes, templates and filters. Review and provide enhancements to logical and physical database designs as well as optimization for proper use with Alteryx and Tableau.* Manage and report fraud, for all relevant KPF products, while maintaining P&L responsibility.* Partner with Sr. Risk & AML Compliance Manager to complete an ongoing dashboard of higher risk issues identified within the organization and present it to KPF Risk Committee on a routine basis.* Collaborate with relevant teams to identify opportunities and implement solutions to reduce fraud and improve functionality.* Obtain and maintain appropriate check cashing and money transmitter licenses.* Monitor check cashing and gift card fraud and adjust risk tolerance on a proactive basis to generate optimal risk to revenue ratio.* Assist in managing compliance of anti-money laundering for all KPF products and prevention strategies for the company.

* Participates in the analysis of lending policies and procedures, including scoring systems,strategic priorities, market share data, lending trends, external influences, current regulatoryfocuses, previous examination findings, and input from Audit and Legal, to develop a clearunderstanding of the Bank's lending context as it relates to Compliance issues and risks.* Conducts interviews and discussions with managers at all levels to understand the lendingprocess, lending guidelines and technology platforms.* Analyzes data by numerous delivery channels, geographic area, product types, facility, and evenemployee or officer to identify risks and develop and recommend scope or target for the review,corrective action/or performance gapclosure.Developsandexecutes strategies for closing gaps inperformance.* Assess the adequacy of the business units'/affiliate's recommended corrective action to theissues or gaps identified.* Develops and reports findings to Senior Management regarding their business lines (Legal, Audit,and Senior level Operating Committees).* Participates and/or leads regular meetings with peers to build and maintain knowledge of current and emerging issues and risk in the environment.

* Leads root cause analysis to identify opportunities to predict, prevent and mitigate risk within processes and performance* Utilize analytics to optimize existing fraud strategies, in order to reduce false positive rates and increase fraud detection rates * Extract and analyze data, investigate data integrity, generate metrics and perform data and portfolio analysis* Generate fraud metrics to show the performance of fraud systems for use in management reporting* Identify gaps in current systems, policies and strategies and take actions to mitigate emerging fraud risks* Recommends enhancements and process improvements based on assessment of fraud systems and processes

• Develop and maintain an organized curriculum that challenges and interests students• Provide weekly instructions and assignments which fosters students’ academic developments and achievements • Evaluate the performance of students consistently with the course objectives and grading criteria published in the course syllabus* Refer students to appropriate college resources for information or advising, as appropriate

• Responsible for the creation of reporting tools and processes that allow key stakeholders to clearly understand what the data is stating, and allows them to make informed business decisions based on the data• Perform data analysis on employee performance, departmental performance, contact drivers, and other key data points as needed• Ensure reporting development and solutions support alignment with the Customer 1st Strategy• Demonstrate Leadership within the Team structure and activities

• Perform data retrieval, data mining and data analysis on application, loan and other data using tools such as SQL and Excel for online and retail business lines• Effectively gather and analyze data and pertinent facts to prepare clear and concise analytical reports• Validate data analysis results and analytically identify potential fraud and policy violations • Create effective methodologies and algorithms to analyze data to demonstrate areas of potential fraud, waste and abuse• Identify suspected and high risk patterns using sophisticated modeling tools and data mining and develop reporting to communicate to business partners• Work closely with information systems to develop solutions and provide necessary analysis to improve business decisions in a timely manner• Identify integrity of current systems, policies and strategies and take actions to mitigate emerging fraud risks