Michael G. Email and Phone Number
Risk leader with 14+ years of experience managing fraud risk and credit risk first-line of defense strategies within banks and fintechs. - Fraud Risk: Fraud Card Transactions, Fraud Application / Stolen Identity, Account Takeover, P2P / Wallet Fraud - Credit Risk: ACH / Bustout, New Card / Loan Underwriting, Credit Limit Strategy, Overlimit Spend, CollectionsProduct management experience in numerous card / loan product launches and conversions, specializing in risk strategy requirements. Industry subject matter expert in ACH Risk, Card Authorizations, and Digital / Identity Fraud solutions.Recent Speaking Events: - ePay Connect, 3/7/22, Orlando, FL "Future of Authentication for eCommerce: Card vs Bank" - MRC Friendly Fraud Summit, 11/9/21, "Friendly Fraud is a Growing Problem for All, Not Just Digital" - ePay Connect, 3/4/20, Orlando, FL “20/20 Vision: Seeing Fraud Clearly Before It Happens” - Payments Summit, 2/25/20, Salt Lake City, UT “How Mobile Checkout Has Changed" Team leader passionate about people development and designing a stable / scalable strategy framework with robust monitoring / alerting.
-
Senior Director Of Fraud Risk Strategy (Bank/Card)Sofi Oct 2022 - PresentSan Francisco, California, UsManage a fraud strategy team responsible for existing customer management within SoFi's Financial Services Products (Credit Card, Bank Checking/Savings, Invest). Responsible for the following first line strategies: Card Transaction Fraud, Credit Card Overlimit/ACH Bustout, P2P Fraud, Account Takeover, ACH and Check Deposit Risks, Force Posts, Overdraft, Dispute Abuse -
Card Issuer Risk Committee MemberMrc | Merchant Risk Council Nov 2019 - PresentRedmond, Wa, UsAdvisor to help top merchants collaborate with card issuers to help tackle risk pain points and reduce industry losses. -
Senior Manager, Card Risk ManagementPaypal Sep 2018 - Oct 2022San Jose, Ca, UsLead team of risk managers and analysts responsible for all fraud risk and credit risk strategy / losses for PayPal issued debit cards, virtual cards. - Launched 11 new PayPal merchant debit cards across Europe, and PayPal Key (Virtual Card) in the US, while successfully controlling early user credit and fraud losses. - Reduced net credit and fraud loss by over 50% on consumer debit card portfolio with enhanced strategy framework, while continuing to grow revenues and spend at record levels. - Optimized ACH / external card credit risk rules on PayPal debit card transactions when balance is unavailable. -
Risk Management Advisory Group MemberNacha Dec 2017 - Sep 2018Reston, Virginia, UsAdvised NACHA to help drive significant ACH rule changes that mitigated risk for all ACH network stakeholders. - Unauth ACH Debit return timeframes and new return reason code classifications -
Vice President, Card Risk ManagementFirst Hawaiian Bank Jun 2016 - Sep 2018Honolulu, Hawaii, UsLed team of risk analysts responsible for all credit risk and fraud risk losses for First Hawaiian Bank’s debit / credit cards. - Launched innovative over-limit risk approval strategy, adding ~$20M per month in new spend with minimal loss. - Redesigned and launched new compromised card fraud transaction strategy, saving ~$2M in risk losses per year. - Selected by CEO/Board for the Advanced Leaders program inaugural class, which invested in leadership training. -
Director, New Product Development & Global Collections & Global Ach Risk ManagementAmerican Express Apr 2015 - Jun 2016New York, Ny, Us- Led primary business team that developed MVP core business requirements and successfully launched ‘American Express Personal Loans’, a new consumer installment lending product and business line.- Launched innovative global ACH risk framework for Credit Card payments, that greatly reduced over-limit losses. -
Senior Manager, U.S. Payments Risk ManagementAmerican Express Jun 2014 - Apr 2015New York, Ny, Us- Optimized U.S. Card payment hold strategy which increased profitability and reduced impacted cardmembers.- Defined derogatory returned payments and subsequently optimized returned payment authorization strategies.- Identified gaps in payment representment strategy and expanded treatment to new cardmember segments.
-
Manager, U.S. Payments Risk ManagementAmerican Express Jun 2012 - Jun 2014New York, Ny, Us- Optimized U.S. Card payment hold strategy which increased profitability and reduced impacted cardmembers.- Defined derogatory returned payments and subsequently optimized returned payment authorization strategies.- Identified gaps in payment representment strategy and expanded treatment to new cardmember segments.
-
Business Strategy Analyst, Payment Fraud RiskCapital One Jan 2010 - Jun 2012Mclean, Va, Us- Implemented authorization and payment strategies to combat rising credit card and secured card bustout fraud.- Evaluated and implemented Early Warning Services (EWS) fraud solutions which reduced ACH bustout losses.- Developed new fraud operations authentication strategies which reduced operational fraud losses. -
Summer Analyst, Investment Banking DivisionCiti Jun 2009 - Aug 2009New York, New York, UsEquity Capital MarketsMedidata Solutions - $101 million Initial Public Offering - 06/24/09 - Conducted post mortem review of IPO analyzing the effectiveness of the roadshow and investor demand.Intel Corporation - $2 billion Convertible Debt Offering - 07/21/09 - Developed cost of capital graph for Intel under different convertible bond structures. -
Summer Intern, Risk Management ServicesArthur J. Gallagher Jun 2008 - Aug 2008Rolling Meadows, Il, UsProperty/Casualty Insurance Intern
Michael G. Education Details
-
Quantic School Of Business And TechnologyExecutive Mba -
University Of FloridaFinance
-
Miami Killian Senior High School
Frequently Asked Questions about Michael G.
What company does Michael G. work for?
Michael G. works for Sofi
What is Michael G.'s role at the current company?
Michael G.'s current role is Senior Director, Fraud Risk Strategy at SoFi.
What schools did Michael G. attend?
Michael G. attended Quantic School Of Business And Technology, University Of Florida, Miami Killian Senior High School.
Who are Michael G.'s colleagues?
Michael G.'s colleagues are Brad Watson, Lauren Mcallister, Jj Nold, Faith Grant, John Ferrier, Kathleen Bednarz, Shane Webb.
Free Chrome Extension
Find emails, phones & company data instantly
Aero Online
Your AI prospecting assistant
Select data to include:
0 records × $0.02 per record
Download 750 million emails and 100 million phone numbers
Access emails and phone numbers of over 750 million business users. Instantly download verified profiles using 20+ filters, including location, job title, company, function, and industry.
Start your free trial