Jose Melis Alonso

Fraud Prevention and Chargeback Specialist with 12+ years of experience in banking, specialized in card fraud detection, dispute management, and risk mitigation for Visa and Mastercard portfolios.

Strong background in transaction monitoring, rule creation, merchant risk analysis, and regulatory compliance (PCI, FATCA). Proven ability to lead antifraud initiatives, reduce fraud exposure, and support dispute resolution processes aligned with card network standards.

FRAUD PREVENTION PROJECT LEADER | BANCO DE COSTA RICA | JUL 2025 – PRESENT

• Lead the implementation of an enterprise antifraud platform, coordinating fraud analysts, developers,

QA, and business stakeholders.

• Define functional and technical requirements for card fraud detection and dispute prevention.
• Ensure alignment with internal risk policies and card network standards.
• Support decision‑making related to fraud thresholds, alert logic, and escalation workflows.

CARD FRAUD PREVENTION MANAGER | BANCO DE COSTA RICA | AGO 2024 – PRESENT

• Monitor and analyze credit and debit card transactions for Visa and Mastercard portfolios.
• Design and fine‑tune fraud detection rules to identify abnormal spending patterns and high‑risk merchants.

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• Execute merchant blocking and mitigation actions to reduce fraud exposure and potential chargebacks.
• Collaborate with internal teams to investigate fraud cases and support dispute resolution processes.
• Analyze transaction statistics to improve fraud prevention strategies and reduce false positives.

FISCAL & REGULATORY FRAUD ANALYST (FATCA) | BANCO DE COSTA RICA

| SEP 2022 – AUG 2024

• Ensured compliance with FATCA regulations, identifying and reporting reportable accounts.
• Participated in internal fraud investigations and regulatory reporting.
• Supported internal audits and risk assessments related to financial crime.

CARD FRAUD ANALYST | BANCO DE COSTA RICA | OCT 2018 – AUG 2022

• Conducted real‑time monitoring of card transactions to detect fraudulent activity and misuse.
• Investigated fraud cases and supported customer claims and dispute processes.
• Coordinated with card networks and internal teams to mitigate fraud losses.
• Contributed to continuous improvement of fraud detection methodologies.

BANKING FRAUD ANALYST | BANCO DE COSTA RICA | OCT 2018 – AUG

2022

• Identified and investigated suspicious banking transactions.
• Supported incident response activities and internal fraud prevention initiatives.
• Helped protect bank assets and customer trust through proactive fraud controls.

BACHELOR’S DEGREE IN BUSINESS ADMINISTRATION (MARKETING)

UNIVERSIDAD LATINA DE COSTA RICA

LICENTIATE DEGREE IN BUSINESS ADMINISTRATION (FINANCE)

UNIVERSIDAD LATINA DE COSTA RICA