Experience

Bank of Marin

• United States
• Banking
• 200 - 300 Employee

• AVP, Fraud Officer

  • May 2016 - Present

  Novato, CA

• Fraud Officer

  • Jun 2012 - Apr 2016

  Novato, CA Develop and administer fraud program including policy, procedures, and training to ensure that the likelihood of fraud (internal and external) is minimized. Maintain and monitor practices and procedures related to fraud prevention to ensure that the Bank's and customer assets are protected from fraudulent activities. Essential job duties include: • Maintain identity theft program and ensure respective area's procedures are satisfactory • Develop and maintain fraud case management… Show more Develop and administer fraud program including policy, procedures, and training to ensure that the likelihood of fraud (internal and external) is minimized. Maintain and monitor practices and procedures related to fraud prevention to ensure that the Bank's and customer assets are protected from fraudulent activities. Essential job duties include: • Maintain identity theft program and ensure respective area's procedures are satisfactory • Develop and maintain fraud case management procedures / systems • Develop and maintain processes and procedures for fraud prevention, monitoring, investigation and recovery • Monitor systems and procedures, leveraging current service provider's offerings, to detect potential and actual events related to fraud or inappropriate access to applications or customer information • Investigate all complaints of the unauthorized or unknown use of customer accounts • Conduct an annual fraud risk assessment on the implementation, administration, and effectiveness of the fraud program. • File SARs (suspicious activity reports) as related to potential and actual fraud incidents • Maintain investigative practices and standards, and investigate suspected internal and external violations, suspicious incidents and policy violation that may become fraud issues • Assist in legal process efforts and recovery efforts



Bank of America

• United States
• Banking
• 700 & Above Employee

• Fraud Analyst (Contract)

  • Feb 2012 - May 2012

  San Francisco Bay Area Investigate 10 – 12 elder financial abuse cases per day by researching mortgage, credit card, and deposit account activity using proprietary Bank of America financial reporting systems. Detect financial anomalies using the analytic and modeling features of Actimize, a risk case management program. Work inter-departmentally to gather supporting data, as necessary. Prepare and report elder financial abuse cases to state Adult Protective Services Agencies via phone, mail, and email.



Visa

• United States
• IT Services and IT Consulting
• 700 & Above Employee

• Associate Operating Regulations Compliance Analyst (Contract)

  • May 2011 - Aug 2011

  Foster City, CA Responsible for general member compliance with the Visa International Operating Regulations (VIOR), Regional Operating Regulations, and By-Laws. Process consumer acceptance complaints and other ad-hoc violations using the Visa research program, MicroStrategy. Manage internal and external relations of compliance negotiations and processes, ensuring minimal brand and reputational risk exposure to Visa.



Worldline

• France
• Financial Services
• 700 & Above Employee

• Risk Manager

  • Mar 2009 - Dec 2010

  Established the San Francisco Risk and Compliance Department at Global Collect, a leading payment service provider for international customer-not-present transactions. Underwrote 20 – 25 new merchant accounts per month, fulfilling the service-level agreement to process applications within five business days. Achieved risk-reward balance for potential and existing customers through systematic reviews of corporate profiles, financial statements, and operational and processing integrity. Analyzed… Show more Established the San Francisco Risk and Compliance Department at Global Collect, a leading payment service provider for international customer-not-present transactions. Underwrote 20 – 25 new merchant accounts per month, fulfilling the service-level agreement to process applications within five business days. Achieved risk-reward balance for potential and existing customers through systematic reviews of corporate profiles, financial statements, and operational and processing integrity. Analyzed aging reports and chargeback activity, working with Account Managers to clear negative collections. Supported customer service and sales representatives to exceed customer expectations. Show less



Cybersource

• United States
• IT Services and IT Consulting
• 300 - 400 Employee

• Lead Credit Analyst

  • Nov 2005 - Feb 2009

  Maximized returns and minimized losses for CyberSource, a pioneering eCommerce payment management company. Approved contracts up to $500K with sole signature authority; presented contracts over $500K to CyberSource Chief Financial Officer and bin sponsor, Moneris. Collaborated with sales team to optimize merchant acquiring based on business models, financial statements, and operational and processing integrity.



Bank of America

• United States
• Banking
• 700 & Above Employee

• AVP Credit Team Lead

  • Jul 2000 - Oct 2005

  Led Merchant Approval team to reconcile accounts and resolve agent bank and indirect market inquiries, including deposit discrepancies, account set-up errors, and chargebacks. Analyzed and approved merchant applications for credit card processing services using financial statements, tax returns, personal credit bureaus, and Dun and Bradstreet reports. Communicated with Regional Sales Managers to expedite the approval process. Identified and evaluated suspicious wire and other activity in… Show more Led Merchant Approval team to reconcile accounts and resolve agent bank and indirect market inquiries, including deposit discrepancies, account set-up errors, and chargebacks. Analyzed and approved merchant applications for credit card processing services using financial statements, tax returns, personal credit bureaus, and Dun and Bradstreet reports. Communicated with Regional Sales Managers to expedite the approval process. Identified and evaluated suspicious wire and other activity in compliance with the Bank Secrecy Act/Anti-Money Laundering program. Completed Kaizen Now training in 2002 and implemented Process Excellence and Six Sigma tools to streamline Merchant Approval operations.

• Team Leader

  • Mar 1999 - Jun 2000

• Credit Analyst

  • Aug 1993 - Feb 1999