Risk and Claims Management
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With over a decade of proven experience in risk assessment and claims management, adept at minimizing portfolio exposure and enhancing risk mitigation strategies. Managed a high-risk portfolio, leveraging advanced monitoring tools, which led to a significant reduction in chargebacks and claims processing times while aligning with regulatory standards. Successfully collaborated with cross-functional teams to devise risk management solutions that maintained compliance with Visa, and MasterCard regulations, sponsored bank directives, and delivered measurable operational efficiency improvements.
Risk Management & Portfolio Exposure: Analyzed financial statements and merchant data to manage risk, leading to better identification and handling of high-risk merchants. Took action to address compliance challenges and mitigate risks in merchant reserve decisions, ensuring adherence to sponsorship agreements.
Monitoring Tools & Program Development: Developed and implemented a program using monitoring tools (Green Screen, TSYS, CBOS) to track merchant adherence to risk tolerance, improving monitoring efficiency.
Policy Enforcement & Compliance: Applied industry-specific policies to ensure compliance with Card Brand rules, regulatory requirements, and Sponsor Bank standards, achieving adherence to these guidelines.
Cross-functional collaboration: Worked with Sales, Finance, Collections, and Operations to reduce losses and chargebacks, supporting portfolio growth.
Credit Risk & Underwriting: In previous roles, conducted credit analyses, evaluated fraud and credit risks, and negotiated collateral when risk thresholds were exceeded. Coordinated risk mitigation efforts and provided litigation support, ensuring compliance and managing legal challenges.
Banking Relationships & Merchant Support: Ensured a high level of client satisfaction and supported merchant queries, focusing on maintaining regulatory adherence and defending credit decisions.
Training & Compliance: Developed training programs for merchants on card processing standards, tackling compliance challenges and improving understanding of the platform.
Certificate of Automotive Technology from Tad Technical Institute in 1997
