Ayden Cole

Oakley, CA • 925-***-**** • ad03ca@r.postjobfree.com • linkedin.com/in/ayden-cole-a59562129

Fraud Analyst

Experienced fraud analyst with a decade of success in the financial industry, adept at crafting and executing fraud prevention strategies that have yielded savings exceeding $1 million. Demonstrated proficiency in evaluating operational protocols, offering practical insights, scrutinizing records, and resolving intricate troubleshooting challenges. A seasoned expert in navigating evolving compliance regulations and service-level agreements and guiding teams toward current best practices. A highly driven problem solver with robust analytical and communication capabilities, I am eager to secure a position that fosters my professional growth and continually enhances my skills, knowledge, and expertise to address the evolving challenges within today's payment operations. WORK EXPERIENCE

Revance Therapeutic • 01/2021 - 09/2023

Payment Operations Analyst

• Initiate the retrieval of necessary verification documents to streamline the underwriting review process, guaranteeing the application of pertinent criteria for evaluating potential merchant applications while maintaining compliance with all underwriting policies and Service Level Agreements.

• Formulate conclusions, synthesize findings, and offer underwriting recommendations while also requesting any additional required documentation.

• Thoroughly examining and analyzing individual and company reports, encompassing GIACT, Looker, Fiserv Business Track, tax returns, financial statements, and more.

• Assess and oversee risk to pinpoint potentially suspicious merchant activities and proactively reduce fraudulent behavior and charges.

• Participate in cooperative efforts with management to enhance processes and procedures, actively maintaining the relevance, efficiency, and alignment of underwriting and AML/KYC regulations with partner prerequisites.

• Oversaw the account portfolio to guarantee adherence, encompassing monitoring factors such as excessive chargebacks, documentation, and PCI compliance. Conduct monthly periodic reviews, analyzing merchant transactional data for fluctuations in payment processing, assessing chargeback trends, and evaluating potential reputational risks. Additionally, perform website assessments to comprehensively understand their services and revisit Know Your Business (KYB) and Know Your Customer (KYC) protocols as needed.

• Serve as a bridge connecting internal and external stakeholders, encompassing prospective merchants and senior management.

• Engage in special projects and assignments and carry out impromptu tasks as directed.

• Extensive experience in using the following third-party vendors: CLEAR Thomson Reuters, GIACT, TIN Check, Jumio, Fiserv (Client 360, Business Track, Merchant Manager), Exchange, G2, Looker, Jira. Marqeta • Oakland, CA, USA • 11/2019 - 02/2020

Risk Analyst Due Diligence Analyst

• Execute routine due diligence responsibilities to facilitate Marqeta's global business operations. This includes the underwriting of applications submitted by the sales team through the internal system, as well as performing KYB and KYC verifications using LexisNexis

• Perform watch list screening and disposition duties, elevating cases necessitating further examination. Carry out screenings for negative news regarding customers and third parties, and escalate any matters warranting additional scrutiny.

• Collect, synthesize, and analyze data derived from multiple sources, including publicly available databases and websites.

• Identify information gaps and recommend action items to close any gaps identified.

• Performing monthly customer surveillance involves examining their financial records, assessing chargebacks and fraudulent transactions, and evaluating their reputation by checking for any recent negative incidents.

• Extensive experience in using the following third party vendors: Lexis Nexis, RealSearch, Clear Thomas Reuters, G2.

Yapstone • Walnut Creek, CA, USA • 09/2013 - 10/2019 Senior Fraud Analyst

• Diligent financial expert with a track record of effectively identifying, scrutinizing, and following up on instances of fraud and other financial regulatory matters.

• Proficient in employing Kount fraud-risk assessments to analyze high-risk and high-value transactions. Conducted thorough investigations, meticulously scrutinizing the fund-holding process from initiation to conclusion to assess the need for account deactivation. Communicated with merchants through email and phone inquiries to address concerns related to suspicious accounts and transactional activity.

• Collaboration with Legal, Compliance, Product, and Analytics departments to assist in improving internal fraud tools. Assisting with new process developments and improvements.

• Intermittently aided with special projects and conduct new hire training and enduring team training.

• Performed monthly team assessments, which involved evaluating the team's performance and key performance indicators (KPIs). Delivered a concise summary of the monthly review to management and subsequently furnished each team member with a comprehensive report of the findings. Additionally, offered assistance and addressed any inquiries or concerns as needed

• Responsibly delegated the daily workload to the team by distributing SQL alerts and Kount cases. Vigilantly observed escalated transactions and provided assistance and support to the team as required. Application Specialist/Underwriter

• Conducting underwriting assessments for newly onboard customer applications, and facilitating KYC checks through Accurint LexisNexis, Clear Thomson Reuters, and GIACT. Soliciting and reviewing the necessary documentation to address KYC flags and verify the authenticity of customers, ensuring the absence of fraudulent or stolen identities.

• Handles inquiries from multiple phone lines, addressing questions related to documentation requests and other concerns.

• Providing support for new hire training initiatives and training programs, in addition to undertaking special assignments as assigned by the manager.

• Extensive experience in using the following third-party vendors: LexisNexis Accurint, GIACT, Clear Thomas Reuters, ZenDesk, KOUNT, and Whitepages Pro.

SKILLS

Troubleshooting, Forensic Accounting, Regulatory Compliance, Customer Communication Management, Standard Operating Procedure, Transaction Monitoring, Monitor Customer Service, Payment Processing, Due Diligence, Record Management, Onboarding, System Management, Business Writing, Risk Management, Data Analysis, Underwriting, LexisNexis Accurint, JIRA, Microsoft 365, Jumio, GIACT, Fiserv Systems, Looker, TIN Check EDUCATION

General Education Courses Concentration In Criminal Justice Diablo Valley College • Pleasant Hill, CA, USA

in Emergency Medical Technician (EMT)

Mt. Diablo Adult Education • Concord, CA, USA

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