Kristine Cullotta Email & Phone Number

St Petersburg, Florida, Us

Currently managing HR and office operations at Door & Co, our family-owned business specializing in high-quality window, door& glass solutions. In my role, I oversee recruitment, employee onboarding, benefits administration, and compliance, ensuring a positive and productive work environment. Additionally, I handle a variety of office responsibilities, from coordinating schedules to managing important documentation, streamlining workflows, and supporting our team’s success. My goal is to contribute to our company’s growth while maintaining a strong, supportive workplace culture.

I am that person with a high risk niche expertise and a bio individual approach who can radically change how an organization thinks about their payment processing transactions, how they perceive them, and operate successfully while managing risk, meeting compliance standards and sales goals, just by spending some time with them.But, just as it’s not enough for an artist to brush paint across a canvas and hope to be discovered, consultants like myself, have a unique cocktail of skills and competencies to be a success with your business.I am a highly regarded payments, risk & compliance professional, with over 20 years experience in financial services (high risk mcc's, credit/debit card acquiring, third-party payment processing and card scheme operations and compliance for both US and International payments) with 17+ years in the high risk industry.Specialties:• Creating in-house programs so you can process for higher risk merchants. • Customer registration, verification and KYC management,• Multi-channel payment processing and strategy planning in house & with your acquiring banks,• Fraud monitoring and investigation,• Operational rules and strategies,• Regulatory, licensing and card/payment scheme compliance,• Operational risk management strategies,• Auditing bank and processor operations including International AMLA experience,• Development/delivery of fraud/risk training,Third Party Payment Processing Compliance & Audit Preparations,• Underwriting & Placement Review merchant processing applications.

Phoenix, Arizona, Us

Phoenix, Arizona, Us

Atlanta, Georgia, Us

Reported directly to the CFO of the Company, Compliance Committee and the Board of Directors. Responsible for implementing and maintaining a sound CMS, AML, BSA compliance program that ensures proper compliance to the various laws and regulations as well as to satisfy the business needs of the company. Main contact through all audit processes.Provide management & compliance committee with reports and analyses of possible risks to company. Perform due diligence on the general business practices conducted within the company. Coordinate with all heads of departments including HR, operations & IT to assure proper compliance with company's policies and procedures. Implement and maintain procedural training & education to all staff.Maintain effective communication with regulatory authorities.Vice-Chair with the TPPPA Third Party Payment Processors Association, participating in the creation and implementation the CMS audit for this association.Oversee all company audit preparation and implementation, SSEA16, PCI AOC.Implement and enhance an effective training program for all personnel & our merchants. Maintain controls & monitoring that ensure: proper PCI, OFAC/OSFI filter, filing of SARs and filing of FinCEN 104 Forms when appropriate. Staff includes but is not limited to the Director of Risk & Underwriting, Compliance Support & PCI Specialist positions.

Us

CWIE,LLC CCBill,LLC EC Suite, LLCThe PhoenixNAP

Merchant Services Professional

Us

• Manage staff performing all operational functions for Client Relations, Call Center, and Chargeback Departments.• Oversee daily business needs & training in operations with key processing leaders such as Certegy, Vital, Paymentech, and FDR. • Manage adherence to rule & regulations of Card Association leaders including but not limited to AML, KYC, and NACHA for ACH processing. • Successfully assisted in the creation and implemented operational procedures and training for a $3.5 million dollar multi-company conversion.• Created comprehensive strategic marketing material for new product roll out and operational changes.• Responsible for new hire education for all company sales representatives on products, services, sales techniques and resources and operational procedures as well as ongoing education of necessary change details.• Secured two existing relationships responsible for a 24% revenue increase.

Wilmington, De, Us

• Created and developed long-term business plans to enhance departmental productivity.• Provided productivity and quality reports to staff to ensure consistent goal management.• Created and administered educational seminars and materials.• Facilitated ongoing education on Visa/MasterCard regulations to ensure Card Association compliance rules were met.• Managed department budget from 1999 to 2004 (reported directly to CFO & CEO of company).• Managed 15–30 dispute analysts, 5–7 Document Processors, Quality Control staff and Assistant Manager. Maintained an attrition rate of less than 25% over a five-year period.• Played a primary role in the development & launching of the Chargeback Production System.• Implemented revisions to production systems to automate processes in the areas of Chargebacks, Scanning and Imaging, as well as the mail room.• First processing company to provide a service to manage American Express and Discover Card chargebacks for a merchants processing account.

Charlotte, Nc, Us

• Assisted back-line collection representatives in implementing time management skills, skip-tracing techniques, and achieving monthly goals. • Created a positive team environment, administered listening reviews, compiled daily reports, and directed education sessions.• Contacted existing customer base to market home equity products. • Reviewed related debt to income ratios and credit reports to select appropriate mortgage programs. • Took applications and assisted customers during approval process.• Assisted delinquent cardholders with a payment plan that satisfied the bank’s needs as well as the customers’ needs. • Maintained above quality standards with every phone conversation.• Made decisions on credit card applications for potential customers who had the “Ability, Stability, and Willingness” to repay their debts. • Familiar and experienced with the Fair Credit Reporting Act as well as Credit Reporting Agencies.

Human Resources Management And Services

Education record