Tim Gibson

Risk and fraud investigations professional with extensive experience in payment processing, transaction monitoring, fraud detection, loss prevention, compliance, and investigations. More than a decade of experience identifying suspicious activity, reviewing transactions, managing potential losses, investigating fraudulent activity, working with law enforcement, and 15+ years of payment-industry experience spanning fraud investigation, risk management, compliance, transaction monitoring, technical operations, training, and customer support. Particularly strong background in identifying suspicious activity, investigating potential fraud, managing loss exposure, reviewing transactions, interpreting payment regulations, and working collaboratively to resolve risk issues.

Risk Investigator at Payroc (2023-10 – Present)

• Monitor live payment transactions to identify potentially fraudulent or high-risk activity.
• Review transaction activity and determine when additional investigation or verification is necessary.
• Place holds on potentially suspicious transactions pending further review.
• Request and evaluate merchant invoices and supporting documentation for flagged transactions.
• Investigate transaction activity to identify potential fraud, unusual patterns, and other risk indicators.
• Assist internal departments with fraud-related questions, transaction reviews, and risk determinations.
• Investigate and process merchant chargebacks, reviewing transaction information and supporting documentation.
• Communicate findings and risk concerns to appropriate internal teams to support fraud prevention and loss mitigation.

Fraud Investigator at M&T Bank (2023-01 – 2023-10)

• Investigated suspected fraudulent card activity and reviewed customer transactions for potential fraud.
• Responded to incoming customer calls concerning suspicious or unauthorized card activity.
• Reviewed reported transactions and identified activity requiring additional investigation.
• Referred suspicious customer purchases to the appropriate branch for further review.
• Deactivated cards suspected of fraudulent activity to help protect customers and reduce potential losses.

Risk Investigator at Heartland Payment Systems (2019-06 – 2023-01)

• Conducted active investigations involving potentially fraudulent and high-risk payment activity.
• Monitored risk reports and reviewed transaction activity for indicators of potential loss or fraud.
• Managed loss potential by identifying and escalating risk situations requiring investigation.
• Worked directly with law enforcement on applicable investigations.
• Conducted active investigations and gathered information necessary to support risk decisions.
• Reviewed available transaction and account information to identify suspicious activity and potential exposure.
• Collaborated with internal teams to investigate and resolve risk-related issues.

Training Specialist at Heartland Payment Systems (2016-03 – 2019-06)

• Trained new hires and experienced employees on payment terminals, troubleshooting procedures, products, and system updates.
• Developed and delivered training programs for new products, programs, and system releases.
• Created and maintained training materials and internal documentation.
• Worked with multiple departments to ensure employees received accurate and current operational information.

Compliance Analyst at Heartland Payment Systems (2013-08 – 2016-03)

• Managed operational relationships and served as a liaison between Heartland and major card brands.
• Interpreted card brand rules, regulations, and operational requirements.
• Reviewed card brand releases and evaluated their potential impact on company operations.
• Managed biannual card brand releases and communicated applicable changes to internal teams.

Help Desk Trainer at Petro (2011-12 – 2013-08)

• Trained new employees on NWS and VAPS support platforms.
• Cross-trained existing employees on multiple help desk systems.
• Developed and maintained documentation for client support platforms.
• Updated existing procedures and instructional materials.
• Maintained internal Client Support Wiki information.
• Provided technical guidance and troubleshooting support to agents.

Client Service / Help Desk Agent at Petro (2010-11 – 2011-12)

• Provided technical support to clients using various payment terminals.
• Troubleshot terminal communication and transaction issues.
• Reviewed transaction logs and confirmed transaction activity for clients.
• Built client files for new terminal installations.
• Downloaded and configured payment terminals for clients.

Indiana State University

Bachelor of Science

Career and Adult Education