Ruby B. Email & Phone Number

• Developed robust risk procedures for integrating new high-risk business verticals, ensuring alignment with banking, and card brand policies, as well as compliance with relevant state and federal regulations.
• Provided vigilant oversight of agent portfolio management on a monthly basis, proactively detecting and addressing anomalous activities to uphold security and regulatory compliance standards.
• Collaborate and mentor a team of two risk analysts, providing guidance and support to facilitate theirprofessional development and ensuring seamless execution of day-to-day tasks while spearheading comprehensive.
• Acted as the primary liaison for Independent Sales Offices (ISOs), delivering comprehensive support and guidance on merchant account management, reserve release processing, dispute resolution, and updates, fostering.
• Engaged in high-level collaboration with the executive team to strategize the management of high-risk portfolios, merchants, and associated procedures, contributing to informed decision-making and business optimization.
• Proactively managed and responded to compliance notices from multiple card brands, ensuring rigorous adherence to industry standards and regulatory requirements to mitigate risk and maintain operational integrity.

• Drafted and refined numerous subject operating procedures to establish and enhance organizational processes, ensuring clarity and efficiency in operations.
• Utilized FDR and TSYS platforms to meticulously monitor existing ISO relationships, analyzing processing trends and identifying outliers in volume to preemptively mitigate potential risks.
• Conducted monthly high-risk reviews for each ISO's top processing merchants, employing a systematic approach to assess and address potential vulnerabilities and enhance risk management strategies.
• Facilitated constructive dialogues between card brands and ISOs to ensure seamless compliance with payment processing regulations, fostering alignment with operating rules and card brand guidelines.
• Analyzed monthly Visa and Mastercard Fraud and Dispute reports, disseminating insights to ISOs and merchants to tailor chargeback reduction strategies and proactively prepare for bank and card brand compliance.

• Collaborated effectively with the Sales Department to enhance the customer experience for high-volume accounts, fostering improved client satisfaction and retention.
• Systematized the internal Credit Policy and synchronized it with the outward-facing policy disseminated to sales agents, ensuring alignment and consistency across all departments.
• Designed and implemented a comprehensive training program within the Credit Underwriting Department, spanning from new hire orientation to advanced training for Credit Underwriting II positions, enhancing team.
• Established protocols for submitting high-volume accounts to the Global Credit Risk Committee for concurrence, streamlining decision-making processes and ensuring comprehensive risk assessment.
• Consistently underwrote an average of 300 High-Risk Merchants monthly, meeting stringent 24-hour service level agreements (SLA) to provide timely decision-making and support business operations.
• Received training and closely collaborated with the Risk Department to develop and execute risk mitigation strategies tailored to high-risk merchant profiles, enhancing overall risk management practices.

• Orchestrated comprehensive training sessions for the team, focusing on industry best practices to enhance skill sets and ensure proficiency across relevant domains.
• Collaborated with senior management to optimize the Automated On-Boarding System, contributing to enhancements through story creation and randomized testing to improve efficiency and functionality.
• Procured credit ratings from Credit Bureaus, banks, and trade sources as part of the application process, ensuring thorough risk assessment and informed decision-making.
• Developed an Excel-based log database to streamline processes and mitigate errors, enhancing data management and operational efficiency within the team.
• Managed and updated the website review database checklist to ensure alignment with card brand compliance standards, contributing to ongoing adherence to industry regulations and best practices.

Irvine, California

 Administer and formulate database for fulfillment houses, site inspections and error logs. Efficiently complete and manage account maintenance tickets within SLA Verify MCC Attestation for company compliance Expedited approvals by assembling a completed report, match and credit in a timely manner Facilitate MOBS (Merchant Onboarding System) cleanup.

Irvine, California

 Prepare and manage credit underwriting package for merchant applications Run and analyze Match for individual merchant applications

 Prepare the Open and Close claim database and ensure all documents are accounted. Create Word documents of the claims to be attached to the database. Systematically file and categorize the remaining claims. Coordinate with the Vice President of Operations in data research.

Philippines

 Facilitate and ensure that the benefits check loans are released in a timely and smoothly manner.  Manage the compilation and organization of the account receivable receipts from the vendors in SAP Prepared and created an excel database for the disbursement of the accounts payable. Organized and managed the back log of the payment details from the.

Master Of Business Administration - Mba

Bachelor Of Science In Business Administration, Financial Management, 3.16

Activities and Societies: Junior Finance Executive member