Risk & Compliance - Investigations

CURRICULUM VITAE

* ******** ***********

Name Sylwia Gawronska

Position: Risk & Compliance -Investigations

E-mail: ***********@*****.***

Phone number: +49/1-768-***-****

PERSONAL PROFILE

I have a dedicated and dynamic approach to work. I enjoy challenging tasks which

allow me to develop professionally. I am an open, organized, enthusiastic,

responsible and cooperative person, with excellent interpersonal and communication

skills. I can successfully meet deadlines, work under pressure and cope with shifting

demands. I enjoy working in a team; I am also self-motivated and able to work on my

own initiative. I am a native Polish speaker, fluent in German and English languages.

WORK EXPERIENCE

• Dates (from – to) May 2013 - ongoing

B+S Card Service GmbH, Lyoner Strasse 9,

60528 Frankfurt am Main, Germany

• Type of business or sector Finances, Acquiring, E-Commerce

• Occupation or position held Fraud & Compliance – Investigations

• Main activities and responsibilities classifying, evaluating, and monitoring

company’s risk by

performing regular - periodic and targeted reviews of clients representing high or

medium risk; preventing businesses from becoming liable or not following

regulations and standards by ensuring that regulators and AML requirements are

fulfilled, and that policies are implemented and comply with Card Schemes, B+S

internal policies, and with other Regulatory Organizations; Identifying of problematic

and/or incompliant merchants and carrying on investigations on them; escalating

and following up with identified issues; Lialising with Card Organizations (VISA/MC) in

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terms of compliance and schemes regulations on specific markets or industries;

Performing an investigative analysis on high and medium risk merchants with sharp

eye into merchants overall performance and activities, their compliancy with Card

Schems, B+S intern policies, as well as analyising of transactional data (Sales, Fraud

and chargebacks quotes) to identify transactional trends and/or issues; Handling of

voliations and potential violations received from Card Organizations including but not

limited to evaluation of merchant practises and activities, gathering and analysing

company documenatation and its financials, identification of company responsible

persons (directors, UBO s, etc.), preparation of a case – full Risk Assessment and

handling the communication with VISA/MC.

WORK EXPERIENCE

• Dates (from – to) May 2013 - Sept 2013

B+S Card Service GmbH, Lyoner Strasse 9,

60528 Frankfurt am Main

• Type of business or sector Finances, Acquiring, E- Commerce

• Occupation or position held Fraud & Compliance –

OnBoarding/Underwriting

• Main activities and responsibilities performing preliminary merchant risk

assessment by

examining and evaluating of high tier und high risk merchant applications and

submitted documents for legal compliance requirements, and adherence to B+S

guidelines and Card Schemes regulations; Periodic reviews and due diligence of

politically exposed and/other special categories of clients and their submission for

approval to Senior Management; Calculating the risk and identifying the

creditworthiness

and likelihood of abusement committing fraud against the merchant acquirer or

consumers; Periodic and targeted reviews of other clients representing high and

medium risk; Monitoring and implementation of VISA/Master Card Onboarding

specifications required to ensure full compliancy with Schemes and local regulations;

Writing of On-Boarding policies and acceptance requirements and adding specific

conditions when required

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WORK EXPERIENCE

• Dates (from – to) November 2012 - April 2013

Bigpoint S.a.r.l. and Co, SCS, rue

Eugene Ruppert

L-2453 Luxembourg

• Type of business or sector Finances, Gaming

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• Occupation or position held Fraud & Risk Manager (Temp.)

• Main activities and responsibilities Temporary project related to creating and

implementing of an internal Fraud System with flexible fraud detection and

prevention rules into the existing Bigpoint System

WORK EXPERIENCE

• Dates (from – to) October 2011 - June 2012

FBME Card Services Ltd, Methonis Tower,

73, Archbishop

Makarios Ave; 1070 Nicosia, Cyprus

• Type of business or sector Banking, Finances, Acquiring

• Occupation or position held Fraud & Risk Supervisor (Acquiring)

• Main activities and responsibilities managing team of 6 persons (Fraud

Administrators and Fraud

& Chargeback Officers); monitoring Merchant’s Portofolio with a strong focus on

compliancy issues with Card Schemes regulations; Monitoring and handling

violations of anti-

fraud rules including merchant review or investigation and risk assessment; Review

and analysis of chargebacks, sales and fraud reports; Implementation of fraud

detection and prevention rules, tools, and other measures into existing system;

implementation of relevant processes and procedures

according to industry standards and requirements (VISA/MC); generating ad hoc

reports and statistics; Implementing procedures for new projects; Acting as a point

of contact internally and externally for Merchant Onboarding activities; Maintaining

merchant underwriting activities of other

Onboarding Team members; performing Merchant Due Diligence (MDD) on

merchants prior to merchant acceptance, merchant`s (website`s) testing-

investigative level; merchant on-site inspections – if required; building new and

keeping the existing external relationships with merchants, other acquirers,

Gateways, FBME Bank, third party banks, Payment systems, Visa and Master Card,

and other

Regulating authorities.

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• Dates (from – to) January 2009 – April 2011

ClickandBuy International Ltd, Lincoln House

137-143, Hammersmith Rd, London W14 0HD, UK

• Type of business or sector Finances, E-Commerce

• Occupation or position held Fraud Relationship Manager – Merchant

Support

• Main activities and responsibilities Building and maintaining relationships

with clients

(merchants), sales representatives, customer service, integration departments in

terms of fraud; Research and review of region specific 3rd party verification

solutions; payment instrument verification, tracking fraud trends near their

inception, participation in creation of rules and processes to detect and reduce the

impact of fraud and prevent future bad debt; review of client registrations and

transactions; handling of escalated phone calls and emails with regard to fraud

directly merchants and/or acquiring institutions as well as sales and customer

service departments. Review / analysis of chargebacks (fraud/bad debt) - daily,

weekly, monthly; Initial due diligence of potential merchants, KYC checks; creation of

fraud based merchant reporting with an angle towards AML best Practices;

anticipating fraud types that could occur at individual merchants; communication of

new merchant accounts/clients to stakeholders within the Fraud Management Group

along with any potential issues that may result. Searching for solutions and applying

them on problematic merchant accounts; Detection and deep analysis of current

fraud trends along with suggestions and ways to prevent fraudulent attacks.

WORK EXPERIENCE

• Dates (from – to) May 2008 – December 2008

PayPal, Blanchardstown Corporate Park,

Dublin 15, Ireland

• Type of business or sector Finances, E-Commerce

• Occupation or position held Merchant Fraud Analyst

• Main activities and responsibilities Analysis of account history and trends to

take appropriate

actions on accounts; Review PayPal and Ebay accounts and determine the legitimacy

of the account and account holder and associated risk. Methods to accomplish this

included reviewing documentation including: driver’s licenses, credit card

statements, bank account statements, utility bills, transaction history, other fraud

indicators, etc, various websites to confirm information on accounts, messages and

customer history in Kana, and account information in Admin tools; Contacting

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merchants and guiding them through the process of lifting limitations, explaining and

discussing alternative ways to resolve account issues, working escalated cases.

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WORK EXPERIENCE

• Dates (from – to) October 2007–May 2008

PayPal, Blanchardstown Corporate

Park, Dublin 15

• Type of business or sector Finances, E-Commerce

• Occupation or position held Fraud Prevention Analyst,

• Main activities and responsibilities Customer service, reviewing buyer accounts

for fraudulent

activity, working existing fraud rings and detecting new, monitoring suspicious

account activities,

working on fraud special projects, mentoring new hired team members; Responsible

for working

Appeals queues, as well as other items related to ACH, Accounts Review,

Chargebacks, Buyer

Protection Appeals, Credit and/or Debit cards on a daily basis and when required.

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2 WORK EXPERIENCE

• Dates (from – to) February 2007–October 2007

PayPal, Blanchardstown Corporate Park, Dublin 15

• Type of business or sector Finances, E-Commerce

• Occupation or position held Resolutions Services Agent

• Main activities and responsibilities Customer service, dealing with customers

issues directly by

answering phone calls or responding to incoming E-mails. Resolving clients’ account

or system issues, explaining the processes of PayPal; Responsible for handling all

Account Maintenance functions including password changes, etc. when required

mailings, name

• Dates (from – to) 2005–2007

Haus Bisplinghoff, Amalienstr. 33, 44137

Dortmund, Germany

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• Type of business or sector Hospitality, Bar

• Occupation or position held Manager, self-employed

• Main activities and responsibilities People management, taking care of the

customer needs, customer service, handling cash,

ordering bar and kitchen

supplies, planning staff tasks, organizing events.

• Dates (from – to) 2004-2005

• Name and address of employer Romano's Macaroni Grill, 1915 Hampton Inn

Court,

Winston-Salem, NC 27013, USA

• Type of business or sector Hospitality, Restaurant

• Occupation or position held Bartender

• Main activities and responsibilities Taking care of customer needs, providing

customer service in serving drinks and food,

handling cash.

• Dates (from – to) 2001-2003

• Name and address of employer Hortex, 1875N.Irving Park, Chicago, IL 34-

687,USA

• Type of business or sector Hospitality, Restaurant

• Occupation or position held Bartender

• Main activities and responsibilities Taking care of customer needs, providing

customer service in serving

drinks and food, handling cash.

• Dates (from – to) 1999- 2001

• Name and address of employer Olive Garden, 9673N.Irving Park, Chicago, IL 34-

200, USA

• Type of business or sector Hospitality, Restaurant

• Occupation or position held Bartender

• Main activities and responsibilities Taking care of customer needs, providing

the customer service in serving

drinks and food, handling cash.

• Dates (from – to) 1994- 1999

• Name and address of employer Prinz-Borse, Landgrafenstrasse 67, Dortmund,

Northein -

Westfallen, Germany

• Type of business or sector Hospitality, Bar

• Occupation or position held Bartender

• Main activities and responsibilities Merchandizing, making and serving drinks,

restocking,

ordering bar supplies.

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3 EDUCATION AND TRAINING

• Dates (from – to) September 2012

• Title of qualification received Advanced Excel

• Dates (from – to) November 2011

• Title of qualification received Advanced Acquiring Workshop – Master

Card

• Dates (from – to) March 2009

• Title of qualification received SQL Training (basic)

• Dates (from – to) 1992 - 1994

• Name and type of organization Travel and Tourism College in

Jelenia Gora, Poland

• Occupational skills covered Bachelor degree in the profession of Tourist

Services Technician

• Title of qualification awarded Tourist services technician

• Level in national classification College

• Dates (from – to) 1988 - 1992

• Name and type of organization Boleslaw Chrobry Secondary School

in Bielawa, Poland

• Principal subjects Pedagogy, psychology

• Title of qualification awarded Teacher's training class

• Level in national classification High school

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7 LANGUAGES:

POLISH- native

ENGLISH-fluent

GERMAN-fluent

PC/OFFICE SOFTWARE COMPETENCES:

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MS OFFICE (Excel, Word)

EUROKANA

ATTACK

SQL – Basics

SAP

CRM SalesForce

G2

BvD, D&B

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