Senior Financial Crime Prevention Analyst - VGW
(2025-03)
Investigate emerging fraud typologies across mobile wallet token abuse, account takeover, phishing, duplicate account creation, card fraud, synthetic identity indicators, and coordinated multi-account activity. Translate unusual account and transaction behaviour into risk-based recommendations that improve fraud controls while balancing customer experience, operational impact, and risk appetite. Partner with Compliance, MLRO, Game Integrity, Chargeback, and Anti-Fraud Risk stakeholders to align case decisions, refine controls, and resolve high-risk escalations.
Strengthen the financial crime control environment by refining alerts, updating SOPs, improving documentation, and training team members on fraud processes and system usage.
- Identified mobile wallet token abuse and impossible-geo transaction patterns by linking device, IP, account funding, payment velocity, and redemption behaviour, limiting reimbursement loss exposure to $170K
- Uncovered a phishing-driven fraud ring exploiting promotional bonus incentives, connecting compromised accounts, shared device/IP signals, abnormal payment velocity, multi-account funding, and rapid redemption behaviour to limit reimbursement loss exposure over $200K
- Supported fraud control enhancements by escalating AI-assisted KYC evasion, duplicate account opening, and card fraud patterns, helping reduce potential fraud loss exposure by approximately $150K
- Use Visual Investigator, Jira, Salesforce, LexisNexis, Google Workspace, and internal systems to review customer activity, document decisions, and support audit-ready outcomes
- Integrate AI-assisted workflows to streamline investigation documentation, improve reporting speed, and increase operational capacity
Fraud Operations Analyst - VGW
(2023-07 - 2025-02)
- Delivered a fraud control enhancement project restricting Wise virtual cards and virtual prepaid payment methods after identifying account takeover and chargeback exposure, reducing repeat abuse across affected payment channels by 30%
- Developed standardized pre-chargeback report templates that improved case documentation, strengthened reimbursement decisioning, and reduced average team handling time by 44%
- Used SQL-driven transaction analysis to identify suspicious payment behaviour, high-risk payment methods, anomaly patterns, and emerging fraud trends, supporting fraud control refinement and escalation decisions
- Investigated fraud and AML alerts involving synthetic identity indicators, suspicious transaction patterns, shared device/IP signals, mule activity, and coordinated account abuse
- Reviewed fraud reports, customer profiles, previous claim history, and transaction evidence to support fair reimbursement decisions and account action recommendations
- Managed SLA-driven fraud cases while balancing investigation quality, customer sensitivity, loss prevention, and timely decisioning
- Revised Knowledge Central documentation and onboarding resources, improving new-hire consistency and fraud case handling efficiency
- Introduced AI-assisted workflows to improve reporting, documentation quality, delivery speed, and risk visibility
- Trained new hires and contributed to workflow improvements that increased team production efficiency by approximately 20%
Business Analyst, Fraud Control - CIBC
(2019-02 - 2023-02)
- Analyzed fraud, transactional, and client-profile data to validate case accuracy, identify suspicious activity, and support reimbursement decisions in a regulated banking environment
- Translated emerging scam and fraud trends into actionable operational insights, helping improve detection workflows, escalation procedures, and account protection controls
- Converted fraud typology findings into rule and alert refinement recommendations, improving detection logic for payment abuse, duplicate account creation, synthetic identity indicators, and suspicious transaction velocity
- Reviewed account activity, transaction behaviour, claim history, and fraud indicators to identify red flags and support risk-based decisions
- Supported fraud control and process improvement initiatives by documenting gaps, refining procedures, and improving case-handling consistency
- Assisted with Knowledge Central documentation for a fraud software rollout, improving onboarding quality, operational guidance, and associate readiness
- Communicated with clients during fraud investigations to gather relevant information, explain next steps, and support fair resolution of fraud-related concerns
Chargeback Analyst - CIBC
(2018-01 - 2023-03)
- Analyzed transactional disputes by verifying payment information and validating chargeback reason codes against Visa and Mastercard operating regulations
- Conducted pre-arbitration reviews by assessing cardholder evidence, merchant responses, transaction details, and Visa / Mastercard operating rules to support defensible dispute outcomes
- Performed chargeback reconciliation across dispute records, settlement activity, and internal case files to identify discrepancies, update case status, and maintain accurate financial reporting
- Evaluated client reimbursement eligibility by reviewing customer profiles, previous claim history, transaction behavior, and fraud indicators to balance customer experience, compliance, and loss mitigation
- Assisted with the new launch software campaign that migrated client portfolio to a new system
- Assisted and coordinated in the campaign production of creating a new Knowledge Central for the new software
- Processed draft retrieval requests, chargebacks, fraud cases, and compliance disputes to support timely resolution of customer transaction concerns
