Risk Managament
Resume:
MELISSA GOMES
**** *********** ********* #*, **********, Florida 33761
acefu0@r.postjobfree.com
RISK MANAGEMENT/FRAUD INVESTIGATOR
QUALIFICATIONS PROFILE
Hardworking, detailed-oriented, and solutions-focused professional, offering extensive experience and hands-on background in fraud investigations and risk assessment. Equipped with strong qualifications in planning, management, and development of complex investigations to successful outcome. Armed with outstanding background in account management, regulatory compliance and standards, finance, and strategic analysis.
- Recognized as an accomplished individual, with exceptional problem-solving, administrative, communication, and organizational skills.
- Reputed for delivering high-quality work on-time, managing a broad range of responsibilities, and striving under pressure.
- Commended as a highly effective leader and team player with an intense commitment in providing the highest standards of professional and ethical standard in all fields of endeavor.
- Technically proficient with Microsoft Word, Excel, and Outlook, with expertise in Windows 7.
PROFESSIONAL EXPERIENCE
STERLING PAYMENT TECHNOLOGIES, TAMPA, FL
Risk Management/Fraud Investigator - May 2011–Present
- Render oversight to the company’s daily businesses to protect the company against fraud and loss of money as a results of fraudulent transactions
- Perform accurate analysis of processing exceptions which requires further investigation
- Carry out daily review of eight reports and facilitate the investigation of accounts by contacting merchants, checking websites, and communicating with issuing banks and cardholders
- Guarantee precision in gathering several information and documentation for risk assessment as well as for the release and hold of merchant funds based on gathered information and deviation from expected activity
- Monitor the consistent process in line with the Visa, MasterCard, Discover, and AEXP operating rules and regulations
- Lead the training of merchants regarding the proper credit card acceptance procedures and documentation required to guard them against chargebacks and fraud
- Evaluate the needs for holding funds and formulate chargeback reserves and release reserves
- Manage all the incoming daily chargeback and retrieval spreadsheets for all merchants while ensuring there are no issues for current and future potential loss
- Maintain various spreadsheets for the daily risk processing functions and conduct thorough assessment of all incoming merchant applications to confirm the information’s validity
- Keep updated to all changes within the industry, which include breaches, new fraud scams, and any related articles in the news, internet, television, and MAC Alerts regarding credit card fraud; relay gathered information with the group to increase their awareness
NOTABLE ACCOMPLISHMENTS:
- Played an integral role in bringing $330K savings from potential and verified fraudulent transactions to the Sterling Payment Technologies in 2013; thus, savings of the previous years’ and current identified fraudulent transactions
- Successfully took part in the ongoing update of the daily risk and fraud reports to enable efficient determination of risk and fraud transactions
- Instituted systematic CPP/ADC investigations for Visa, Master Card, and DSCV to ensure PCI compliance of merchant account with all cardbrand rules and regulations as well as with any other instructions given by the cardbrands
Senior Underwriter - Dec 2006–May 2011
- Made decisions regarding the approval or decline of a credit review; performed full background investigation on every business by tracking information on the web, pulling a Dun and Bradstreet reviewing financials, and completing a credit review
- Drafted several daily reports pertaining to the Underwriting Department while ensuring its accuracy
- Executed assessment of the underwriting program’s efficiency and generated recommendations for improvement
- Professionally coached field personnel regarding technical underwriting issues, problems, and questions
- Facilitated frequent background checks for new sales associates and identified as to whether or not to hire
NOTABLE ACCOMPLISHMENTS:
- Completed the re-underwriting of existing merchants, which included an increase of high ticket amounts, high monthly volume amounts, as well as keyed transactions; carried out extensive review to identify the reason for increase, requiring additional documentation
- Singlehandedly performed systematic credit assessment and accurately reviewed risk-to-return ratio for all business types seeking credit card processing
CITIGROUP, CLEARWATER, FL
Federal Housing Administration, Veterans Affairs, and Conventional Underwriter - May 2006–Oct 2006
- Guarantee precise underwriting of Federal Housing Administration (FHA) and Veterans Affairs (VA) loan files for credit and property as well as several conventional non-conforming loan files which were not eligible for underwrite by contract underwriters due to company policy
- Interacted with brokers and account executives to discuss conditions, scenario, and possible product questions and requirements
- Assumed full responsibility in reviewing and clearing conditions to advance loan into the Closing Department
COUNTRYWIDE/ KBR JOINT VENTURE–W/CHL, TAMPA, FL
Federal Housing Administration, Veterans Affairs, and Conventional Underwriter - Jun 2005–May 2006
- Carried out thorough assessment of various complex and high-risk mortgage loan applications as well as the effectiveness of the underwriting program and generated advices for improvement
- Conducted interpretation of loan and underwriting criteria to identify underwriting decisions and final course of action; tracked and recommended alternatives on loan structuring and financing solutions
- Functioned as a coach on technical underwriting issues, problems, and questions
WELLS FARGO BANK N.A., ST. PETERSBURG, FL
Federal Housing Administration, Veterans Affairs, and Conventional Underwriter - Jun 2003–May 2005
- Guaranteed the accuracy and completeness of the overall loan documentation
- Assessed the loan-to-value ratio, credit reports, applications, and others in ensuring compliance of loans with company standards for sale into secondary market
- Remained updated with any changes in loan underwriting provisions
- Directly interacted with the head of loan underwriting and provided solutions to any underwriting problems
EARLIER CAREER
UNIVERSAL AMERICAN MORTGAGE, CLEARWATER, CL
Senior Loan Analyst - Mar 2003–May 2003
CHASE MANHATTAN, TAMPA, FL
Underwriter - Jan 2003–Mar 2003
COUNTRYWIDE HOME LOANS INC., CLEARWATER, FL
Senior Loan Processor - Oct 2000–Dec 2002
PREMIER COMMUNITY BANK OF FLORIDA, LARGO, FL
Residential Loan Specialist - Jul 1998–Oct 2000
PROFESSIONAL DEVELOPMENT
Direct Endorsement (DE)-Federal Housing Administration (FHA) Mortgage Loans
Lenders Appraisal Processing Program (LAPP)-Veterans Affairs (VA) Mortgage Loans
PROFESSIONAL AFFILIATION
Merchant Acquirers Committee (MAC)
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