Karen Walford

Boynton Beach, Florida ***** 954-***-****

LinkedIn: karen-walfordb72b3313b ac5kgf@r.postjobfree.com

SENIOR RISK ANALYST – CREDIT, RISK, & COMPLIANCE

Experienced credit risk analyst with a proven track record of performing credit and fraud risk reviews on multiple portfolios. Extensive knowledge of credit profiles for multiple industries and trades. Decisioned thousands of individual and batch funding needed for distributions to merchant’s checking accounts daily. Managed large volume of accounts along with inbound and outbound communication to complete risk assessments. Mitigated 7 figures in credit risk exposure annually. Completed compliance reviews for multiple stakeholder as well as filing SARs on identified accounts. Major strengths include:

Triage Funding Detection Specialist

Workflow Performance

Mentoring

Risk Process Improvement

Identity Theft Detection

Compliance Investigations

SAR Compliance

Analytical Acumen

Customer Service

ACCOMPLISHMENTS PROFILE

FIRST DATA MERCHANT SERVICES Coral Springs, FL

Credit Risk -Triage Analyst 2001 – April 2018

Responsible for detecting and analyzing credit and fraud risk on Visa, MasterCard, Discover & American Express merchant transactions to reduce and mitigate exposure to companies and First Data. Accomplishments included:

Analyzed individual card transactions and batches for approval on funding to hundreds of businesses daily.

Generated ad hoc Excel reports for fraud trends and performance analysis.

Reviewed credit profiles to make necessary daily and monthly funding adjustments.

Mitigated 7 figures annually in credit & fraud risk.

Full credit and financial reviews on businesses and individuals.

Identified emerging risk threats and deteriorating credit industries and trained staff on how to identify and assess concerns.

Completed compliance investigations for Visa, MasterCard, Discover & American Express.

Identified situations that met suspicious activity reporting criteria and completed documentation.

Recredit qualified and approved funding on merchant sales volume.

Interviewed merchant clients to investigate activity on exception reports.

Assisted bank partners and merchants in understanding credit risk and departmental procedures for credit reserve.

Developed internal and external resources with sales, legal, finance and compliance areas of First Data and partner banks.

Able to prioritize daily tasks effectively and completed workload in a fast-paced environment.

Reviewed and concurred on team member’s merchant investigations.

KAREN WALFORD Page 2

STATE FARM INSURANCE COMPANY Pembroke Pines, FL Senior Claims Representative 1998 – 2001

Investigated and evaluated automobile property damage claims and negotiated settlements with all parties involved.

Accomplishments included:

Proficient in developing excellent relationships with policyholders, claimants, agents, witnesses, attorneys, police and body shops.

Experience in collecting and analyzing data needed to determine liability or the company’s obligation to pay under the policy.

Investigated and communicated effectively to obtain required information to handle assigned claims.

EDUCATION & CERTIFICATIONS

Bachelor of Science – Business Administration - Finance

Florida Atlantic University, Boca Raton, FL

PROFESSIONAL ORGANIZATIONS & AFFILIATIONS

National MS Society fundraiser and participant

Somerset Canyons Middle / High Charter School volunteer

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