Tamira Trowers

Risk & Compliance Analyst with 5+ years of fintech experience specializing in regulatory compliance, quality assurance, operational risk, and payment investigations. Experienced evaluating adherence to internal policies and consumer banking regulations, identifying control gaps, conducting root cause analysis, and partnering with cross-functional stakeholders to strengthen compliance programs. Proven ability to improve quality standards, support audit readiness, and drive process improvements through data analysis and governance.

Risk Operations Quality Assurance Analyst at Cash App (2021-09 – 2026-05)

Impacted by company-wide lay off

• Performed quality assurance reviews of 240+ investigations monthly to evaluate compliance with internal policies, regulatory requirements, and quality standards, improving audit readiness by 34%.
• Assessed investigator decision-making and policy adherence, identifying control gaps and recommending corrective actions to strengthen compliance.
• Conducted root cause analysis of quality defects, policy exceptions, and operational risks, partnering with leadership to implement sustainable process improvements.
• Collaborated with Risk, Compliance, Operations, Product, and Training teams to improve governance, strengthen internal controls, and enhance regulatory compliance.
• Led calibration sessions to ensure consistent policy interpretation, quality standards, and investigative decision-making across teams.
• Developed QA scorecards, monitoring standards, and process documentation to support compliance oversight and operational consistency.
• Identified recurring compliance trends and monitoring gaps, recommending policy updates and training initiatives to reduce risk and improve performance.
• Leveraged Snowflake (SQL), Looker, and Observe.AI to analyze quality metrics, monitor compliance trends, and provide actionable reporting to stakeholders.

Risk Specialist at Cash App (2021-02 – 2021-09)

• Conducted investigations into suspicious transactions, payment disputes, and account activity while ensuring compliance with consumer protection regulations and internal risk policies.
• Performed customer due diligence, transaction analysis, and account reviews to identify potential fraud and regulatory risks.
• Documented investigative findings and escalations in accordance with compliance and audit standards.
• Collaborated with cross-functional partners to resolve complex cases while balancing regulatory requirements and customer experience.

Customer Service Representative at Simple Finance (2019-04 – 2021-02)

• Produced extraordinary results measured by customer satisfaction, efficiency, call quality and established metrics
• Maintained current knowledge of banking regulations to ensure ongoing compliance of all basic and complex deposit accounts, including joint and saving accounts
• Performed maintenance requests received by phone for check re-orders, cashier's checks, filing dispute cases, Debit/ATM PIN resets, loan payments, change of addresses, close accounts, account transfers

Sales Associate at T-mobile (2018-01 – 2019-04)

Key Holder\Lead at Francesca's Boutique (2015-08 – 2018-01)

Team Lead at Auntie Anne's (2014-09 – 2018-01)

– Portland State University (2017-09 – 2018-04)