Nicole Frayn Email & Phone Number

Cleveland, Ohio, Us

Atlanta, Ga, Us

Atlanta, Ga, Us

Clearwater, Fl, Us

Senior analyst for Walmart's entire Check Cashing portfolio. $18B managed.• Analyzing large data sets to access risk and predict impact of machine learning models. SQL• Automating transaction review processes to prevent check and ACH payment fraud.• Designing risk control strategies to balance performance, client satisfaction, and loss exposure.• Weekly forecasting with Walmart executives.

London, London, Gb

Review and analyze financial information on an ongoing basis and assist with monitoring the financial performance of merchants. Provides credit administration support and service to banking teams and compliance. Perform independent credit analysis and risk assessment on larger and more complex credit relationships. Integration of risk, control, and operational loss data and processes. Responsible for recommending changes in structure or account management strategy to address negative trends. Credit Risk Rating Matrix (CRRM), Portfolio reviews, regulatory audits with banks. Assess monthly, quarterly and annual financial statements for bank periodic reviews. Produce reports and reviews to monitor merchants. Mitigate risk through rigorous fraud analysis.

London, London, Gb

Working a dual role in digital wallets as an analyst in the risk department and Sr. underwriter in high risk. My ability to work under pressure while maintaining an eye for detail is essential in both departments. Exceptional knowledge of internal control concepts and experience in applying them to conduct fraud risk assessments in various business processes/areas/functions. Software and POS Gateway knowledge, bank policy's (5), and cyber intelligence. Identify key risks associated with a merchant’s financial performance, industry, and other variables that should be considered in determining a merchant’s risk profile. Make independent recommendations regarding credit risk supported by comprehensive analysis. Serve as lead on special projects as directed. Thorough knowledge of financial statement analysis and demonstrated ability to identify and mitigate key risks prior to approval. Manages transaction laundering and cyber portfolio for all merchants.- Preparing, reviewing and analyzing the creditworthiness of all commercial loan originators andrenewals by spreading company and personal financial statements into Bank’s software.- Preparing written Credit Memorandums for presentation and approval. - Evaluating financial statements, historical trends, projections, management performance, industry, cash flow, capital structure and collateral analysis.

London, London, Gb

Responsible for analyzing, reviewing and preparing credit packages for all of our high risk merchants. Exceptional knowledge of internal control concepts and experience in applying them to conduct fraud risk assessments in various business processes/areas/functions. Performed independent credit analysis and risk assessment on larger and more complex credit relationships. Evaluate each individual business based on multiple factors and provide recommendations for exceptions to senior management. Thorough knowledge of financial statement analysis and demonstrated ability to identify and mitigate key risks prior to approval. Top monthly producer.

Bachelor Of Science (Bs), Sociology, Business

Education record