Randall Thomas Jr.

Assistant Vice President – Merchant Risk

281-***-**** – ad345a@r.postjobfree.com

Payment Services Risk Management Risk Data Analytics and Reporting Regulatory Compliance SQL Data Query Search Performance Monitoring and Reporting Fraud Prevention QUALIFICATION SUMMARY

Accomplished data driven Payments Risk Manager with 17 years of dedicated experience in the financial industry, with 14 years specializing in implementing loss mitigation strategies, performing high-level risk and compliance assessments, and SQL Data Analytics. Proficient in leading and developing high- performing teams, defining departmental goals, policies, procedures, and aligning strategies with corporate objectives. Expertise in Payment Risk Management, including implementing new fraud and risk systems, policy development, fraud investigations, and managing card fraud prevention teams. Proven track record in optimizing operational efficiency, staff training, SQL data search queries, data analytics, and driving strategic initiatives.

KEY SKILLS

Risk Management SQL Data Analytics Staff Leadership Training

Card Fraud Prevention AML/BSA Board Reporting Quality Assurance Training

Merchant Fraud Prevention Regulatory Compliance Project Management RELEVANT PROFESSIONAL EXPERIENCE

Merchant Acquiring Risk Manager, Assistant Vice President 06/2022 - Present Woodforest National Bank The Woodlands, Texas

Spearheaded the establishment of a fraud and risk department from inception for newly developed merchant division of Woodforest National Bank.

• Established a robust risk management and compliance framework for the Payment Processor division, aligning data-driven initiatives with corporate strategy.

• Led and developed a high-performing team, handling hiring, promotions, evaluations, and mentoring to build a skilled workforce.

• Analyzed merchant and transaction data, translating findings into actionable insights. Presented comprehensive reports to senior management.

• Oversaw the deployment of multiple cutting-edge fraud and risk systems, enhancing transaction security. Provided training to staff for seamless adoption.

• Managed large-scale department projects, optimizing operational activity, and created multiple efficiencies. Devised effective communication strategies for payment services. Payment Operations Fraud Manager, Assistant Vice President 06/2016 – 06/2022 Woodforest National Bank The Woodlands, Texas

• Designed Innovative Fraud Prevention Systems: Directed the creation of multiple cutting-edge card fraud prevention and operations systems, bolstering the bank’s defenses against payment fraud.

• Enhanced Customer Contact Efficiency: Developed and implemented two fraud applications and new communication procedures, significantly improving customer contact rates and leading to a substantial reduction in fraudulent activities.

• Data-Driven Expertise: Proficient in SQL data queries, adept at extracting and analyzing information from large databases, and creating comprehensive reports for senior management.

• Optimized Staff Productivity: Implemented performance monitoring, quality assurance evaluations, and coaching programs, resulting in increased staff efficiency.

• High-Performing Team Leadership: Led recruitment, training, and mentoring efforts, fostering a high-performing team that consistently exceeded objectives.

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Card Services/Card Fraud Services Assistant Manager January 2011 – June 2016 Woodforest National Bank The Woodlands, Texas

• Fraud Detection Strategies: Developed, deployed, and optimized fraud detection strategies for card and digital payments in Retail banking.

• Business Protection and Customer Experience: Supported fraud management strategy to protect against financial loss while enhancing customer experience.

• Team Leadership and Operations: Monitored daily operations, ensuring high-quality service and maximum productivity. Supervised the Card Fraud Services Team, addressing personnel matters and conducting performance reviews.

• Risk Controls and Collaboration: Provided subject matter expertise in designing and maintaining fraud risk controls. Collaborated with cross-functional teams to align analytics best practices.

• SQL Proficiency: Proficient in SQL data queries, extracting and analyzing data from large databases for senior management reporting.

Card Fraud Services Specialist March 2010 – June 2011 Woodforest National Bank The Woodlands, Texas

• Risk Department Leadership: Created a new risk department, overseeing the development and implementation of cutting-edge fraud and risk applications, policies, procedures, and training programs.

• Customer Service Excellence: Efficiently addressed inquiries from branch personnel, customers, and customer care, ensuring swift issue resolution and maintaining high levels of customer satisfaction.

• Effective Communication Management: Managed department email inboxes and provided phone support, fostering seamless communication with clients and internal stakeholders.

• Business Product Support: Played a pivotal role in supporting critical business products such as EMV, customer card orders, and instant issuance, contributing to enhanced service offerings for clients.

• Operational Resilience and Detail Orientation: Contributed to business continuity testing and evaluation, ensuring operational preparedness and meticulous attention to detail in tasks such as preauthorization releases, refund processing, and fee waiver reversals ADDITIONAL EXPERIENCE

Retail Banker/ Trainer July 2006 – March 2010

Woodforest National Bank Spring, Texas

• Completed special procedures for customers such as assisting with deposit and withdrawals, ordering new checks, stopping payments or investigating identity theft/fraud.

• Monitored customer behaviors and upheld strict protocols to prevent theft of assets.

• Trained all new employees at the #1 operating branch in the company out of 700 branches. Disney College Program / Disney Professional Internship July 2005 – July 2006 Walt Disney World Orlando, Florida

• Delivered first class guest service by providing information, initiating conversations, and fostering an inviting atmosphere.

• Showcased strong teamwork and adaptability skills, working independently and as part of a large team, often standing for extended periods and working outdoors.

• Grasped concept of effective merchandise sales, both indoors and outdoors, ensuring consistent customer satisfaction.

• Proficiently managed cash transactions, demonstrating competence in both manual and computerized register operations.

• Maintained store organization by stocking, cleaning shelves, and efficiently receiving and storing stock and deliveries.

EDUCATION

Bachelor of Science, Human Resource Development December 2005 Texas A&M University College Station, Texas

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