Risk Analyst who responds to shifting business needs and priorities in a systematic and effective way. Excels at identifying risk and processing concerns followed by assisting merchants in implementing process changes.
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Daily risk reviews for the CyberSource enterprise portfolio processing through Global Payment Network. Risk reviews include identifying fraudulent transactions, credit card testing, excessive amounts of declines or refunds as well as abnormal transaction amounts. I complete a daily and monthly analysis of all chargebacks coming in for the portfolio as well and calculate possible risk issues. I am soley responsible for all of the CyberSource and Authorize.Net GPN portfolio when it comes to the card associations chargeback and fraud programs. This includes communication with the card associations in regards to excessive chargeback or fraud issues as well as constant interaction with our merchants in identifying ways to resolve their current issues. I speak with merchants on a daily basis recommending adjustments as necessary to improve their overall processing experience.
Completed underwriting analysis for account approvals on the Authorize.Net small business platform. Account approval reviews included a credit report analysis, confirming business legitimacy via online sources, and business financials review for stability and exposure analysis.
Processing and underwriting mortgage loans. Reviewing credit reports, income statements, debt and housing ratios as well as home loan applications. Communicated daily with numerous parties including brokers, other lenders, and home loan applicants. Identified areas for process improvement and worked with management to implement effective changes benefiting all involved. Attended training courses in underwriting mortgage loans, fraud detection, and documenting and managing risk issues.
Some college attended.
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