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 training initiatives for diverse departmental users, equipping them with the skills to proficiently utilize new systems and effectively implement banking procedures using Freshdesk.• 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 positive relationships, and ensuring client satisfaction.• 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.• Expertly gathered and analyzed fraud and dispute reports from multiple card brands, delivering actionable insights and strategic guidance to ISOs to mitigate risks and enhance merchant security.

• 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 requirements.

• 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 proficiency and expertise.• 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.• Assisted the Director of the Credit Underwriting Department in preparing business financial documents and delivering financial recommendations to Acquiring banks, facilitating the onboarding process for a restricted $4.2M Merchant account.

• 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 Underwrite and evaluate accounts with preceding approvals.

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 vendors in SAP Organized and analyzed the financial statements monthly Managed the payment computations and transactions from the bank

Master Of Business Administration - Mba

Bachelor Of Science In Business Administration, Financial Management, 3.16

Activities and Societies: Junior Finance Executive member