Enthusiastic and driven banking specialist focused on pursuing a career in fraud investigation. Offering 13+ years of strong investigation, communication, and resolution skills including 5 years of risk and control support in credit card disputes industry.
Proficient in Regulation Z.
General knowledge in Regulation E and CC.
Understanding of Risk Control and Self Assessments (RCSA) environment.
Experience with audit (internal and CFPB) and exam engagement.
Knowledge in Microsoft Office applications.
Experience using FDR/C3/TSYS.
5 years experience using Pega.
General understanding of KYC/AML/BSA monitoring and investigation.
Experience - Chase (May 2004 - Current)
KYC (Know Your Customer) Specialist January 2017 to CurrentAccount Exits & Escalations
Central point of contact for BSA (Bank Secrecy Act) activities, inquiries, and escalations for Commercial Card.
Partner with lines of business to ensure efficiency of processes associated with credit card transaction monitoring to include: demographic information, account review, sanction screening, client/customer card closures, report and transaction reconciliation, and account deactivation/reactivation.
Review referrals from AML (Anti-Money Laundering) Team, Market Directors, Executive Office, and other lines of business to determine risk and necessity to terminate or retain the customer relationship and all applicable accounts.
Senior Process Assistant III May 2014 to February 2017Disputes Risk Control
Maintaining in-depth understanding of regulatory requirements and Chase policies.
Compile and present findings of issue investigation and control validation to all levels of management to include, but not limited to, Compliance Officers, Legal, Control Officers, and Operations leadership.
Analyze potential issues for any possible gaps within procedures and processes that could cause financial loss, reputational and legal risks, and customer experience impacts.
Contributor in the development and execution of controls or process enhancements by creating or enhancing procedures, reporting, tracking, and training.
Validating and documenting the implementation of controls to mitigate regulatory, financial, reputational, and legal risk.
Provide support to new hires or candidates interested in Disputes Control Support roles.
Functioned as key contributor for Disputes 2015 CFPB (Consumer Financial Protection Bureau) audit.
identification and evaluation of control effectiveness, identifying control failures, facilitating risk and compliance remediation.
oversight of procedures/process, regulatory reporting, risk control self assessments.
translates control deficiencies into action plans and provides recommendations to enhance.
stays informed of changes to the regulatory environment to ensure proper compliance with processes and requirements.
Disputes Risk Control Process Assistant October 2012 to April 2014
Conducted quality audits to identify potential critical issues and trends including, but not limited to, regulatory and/or procedural violations.
Communicated/escalated quality findings or issues to appropriate stakeholders.
Provide coaching to Specialists.
Trained and implemented new audit processes.
Participated as subject matter expert for business process mapping for disputes.
Senior Specialist May 2004 to October 2012Merchant Disputes Representment
Independently resolved complex member disputes related to point-of-sale credit card disputes.
Accurately identified the issue and determined the best solution utilizing specific MasterCard/Visa rules and Federal Regulations such as Regulation Z.
Initiated first time chargebacks, representments, pre-arbitration, arbitration, and MasterCard/Visa Rulings.
Processed monetary adjustments related to dispute.
Communicated dispute resolution to a member verbally and written.
Conducted quality audits while acting as Relief Unit Specialist and Relief Team Manager.
Managed MasterCom system for Disputes.
Served as subject matter expert for MasterCard processes.
Education and Training
Associates degree : Criminal Justice, January 2018Criminal Justice
High School Diploma : 1995
Activities and Honors
Actively completing AML related webinars through (ACAMS) Association of Certified Anti-Money Laundering Specialists: KYC and 3rd Party Risk: New Risks with Higher Levels of Scrutiny from Regulators; Counter Terrorism Financing; Retooling AML Strategies; Cybercrime: A Prominent & Growing Financial Crime Threat; Strategies for Handling Growing Compliance Challenges.
Anti-money Laundering computer based training completed annually through Chase.
Selected as Disputes Business Control's Outstanding
Performer for 2016.
Demonstrated great customer experience by receiving 5 Key
recognition awards (all 5 keys received for first and third quarter 2016).
Strong organizational skills
Able to work under pressure and under minimal supervision.