Shayne Pamaran

Results-driven compliance and risk professional with extensive experience in fraud risk management, KYC/CDD, AML monitoring, payments risk, and internal investigations within gaming and fintech environments. Proven ability to lead teams, manage sensitive investigations, ensure adherence to regulatory and data privacy standards, and collaborate with senior stakeholders to mitigate financial crime and operational risks. Strong background in policy governance, quality assurance, and compliance process improvement.

RISK FRAUD AND PAYMENTS SUPERVISOR - MEMO MULTINATIONAL CORP.

(2024-01 - 2026-03)

• Lead and manage gaming regulatory compliance audits aligned with PAGCOR requirements and international gaming regulatory standards, covering AML, player protection, fraud prevention, and responsible gaming controls
• Support and coordinate internal and regulator-facing audits, ensuring timely submission of complete, accurate, and audit-ready documentation
• Oversee compliance with internal policies, PAGCOR gaming regulations, and applicable fintech and payments compliance frameworks
• Review high-risk player and customer behavior, transactions, and account activities for indicators of fraud, AML exposure, or regulatory breaches
• Ensure consistent implementation of AML/KYC, CDD/EDD, transaction monitoring, and escalation protocols in line with regulatory expectations
• Manage sensitive audit and investigation materials in full compliance with Data Privacy Act and confidentiality requirements
• Prepare structured audit reports, compliance findings, risk assessments, and remediation plans for senior management review
• Partner with Operations, Legal, and HR to address audit observations, implement Corrective and Preventive Action Plans, and ensure timely closure of findings
• Identify control gaps and strengthen compliance frameworks to reduce regulatory, audit, and financial crime risks

ANTI-FRAUD QA/DISCIPLINARY TEAM LEAD - SKYRO

(2023-01 - 2024-12)

• Lead and coach a team of Quality Analysts and Anti-Fraud Investigation Analysts, ensuring consistent, high-quality investigative, underwriting, and compliance outputs
• Conducted CDD and underwriting for Cash Loan and BNPL products, evaluating affordability, repayment capacity, fraud indicators, and credit risk while minimizing defaults and bad debt
• Review and validate anti-fraud, underwriting, collections, and QA reports for accuracy, risk identification, and compliance with AML/KYC and internal policies
• Act as QA Lead for Collections, implementing quality reviews and mystery shopper programs to ensure ethical practices, improve operational effectiveness, enhance repayment rates, and reduce delinquent debt
• Collaborate with Legal, Compliance, Risk, Credit, and HR on policy breaches, fraud exposure, and regulatory compliance matters
• Drive continuous process improvement across anti-fraud verification, CDD processes, underwriting frameworks, POS controls, and collections governance
• Lead the launch and implementation of new or optimized anti-fraud investigation processes, strengthening detection, escalation, and reporting controls

SENIOR KYC ANALYST - SEA MONEY CREDIT (SHOPEE PH)

(2022-01 - 2023-12)

• Assessed new account documentation to verify customer identity and determine risk levels
• Ensured customers did not have restrictions or adverse records impacting account approval
• Conducted enhanced due diligence for high-risk customers
• Reviewed customer accounts to detect delinquencies, unpaid loans, and potential fraudulent behavior
• Analyzed KYC processes and policies to support compliance and risk mitigation
• Studied market trends and customer behavior to identify potential compliance risks

SENIOR RISK AND PAYMENTS/FRAUD SPECIALIST - ENTAIN (MANILA)

(2019-01 - 2022-12)

• Ensure efficient processing of any Risk alerts that may have triggered and report to the stakeholders the fraud trend found and provide recommendations with regards to the process
• Methodically and accurately review and approve customer withdrawal requests while being mindful of fraud and other internal processes
• Completed ongoing customer activity monitoring to identify unusual or suspicious activity related to fraud. Produced detailed, technical, investigative reports with decisive conclusions
• Demonstrated strong resourceful skills to help company prevent money laundering, terrorist financing and illegal financial activities
• Assessed new account documentation to verify information and determine high-risk customers

CSR AND BILLING SPECIALIST - IQOR PH

(2016-01 - 2019-12)

• Actively listened to customers to fully understand requests and address concerns
• Managed complaints with calm, clear communication and problem-solving
• Demonstrated outstanding product knowledge to achieve high customer satisfaction levels
• Customised customer experiences to build brand loyalty
• Resolved billing and service discrepancies to guarantee timely and accurate client billing and billing adjustments
• Practised upsell and cross-sell promotions to gain leads and increase profits
• Developed short-term and long-term goals to meet sales targets and increase customer retention
• Evaluated customer preferences and needs to establish productive and long lasting relationships
• Addressed customer queries to provide information regarding product specifications and uses

Associates in Computer Science - Computer Science - STI COLLEGE BACOOR (2016-01 - 2019-12)