Melvin Nunez Email and Phone Number

• Hire, supervise and train Risk and Underwriting personnel in order to successfully assimilate employees• Serve as primary contact and project coordinator with vendors and partners such as TSYS, Bank affiliates and Cardbrand Associations (Visa, Mastercard, Discover and American Express)• Create and implement guidelines and procedures in compliance with the Payment Card Industry, Cardbrand Association Standards as well as organizational procedures to ensure efficiency and effectiveness of duties • Identify, communicate and resolve, through analysis of entire portfolio, fraudulent activities committed against both the company and its client banks’ merchant accounts to mitigate organizational risks and losses• Prepare and maintain weekly, monthly, and quarterly reports for distribution to Management and accountable personnel in order to analyze merchant portfolio activity• Manage and report financial accounts including Merchant Reserve Account, ACH Holds Account, Legal Collections Account, and Chargeback Reconciliation Account

• Managed Qualitative Analysis processes for testing new functionalities and oversaw Programmers during program development phases to ensure seamless transition of new programs to end users• Coordinated and executed implementation and conversion of project plans, task schedules, and resource activities to ensure on-time and effective project delivery• Collaborated with Internal Revenue Service in order to implement 1099-K Merchant Tax Withholding procedures; to date, zero merchant accounts have had any tax withholding• Compiled data and analyzed organizational transaction volumes, financial stability, and year over year sales analysis, which was reported directly to top Management• Prepared and maintained Agent Database as well as systems and accounts including inquiries regarding billing, payments, and procedural issues• Trained and prepared documentation for company personnel on the use of new/updated programs

• Forecasted and ensured supply of money for financial institution's needs based on legal requirements and business demand• Monitored and reviewed financial institution's security procedures for overall compliance to bank regulations• Referred bank customers to Personal Bankers and identified sales opportunities for additional bank services as appropriate; resulting in being one of the top 5 of Tellers in referrals for the whole district• Regulated access to bank vault as well as managing incoming and outgoing supply of funds for financial institution• Consolidated and balanced daily transactions for Tellers, Automated Teller Machines, Teller Cash Dispensers and bank vault