Deborah Kraft

Sioux Falls, South Dakota ***** 605-***-****

advi7h@r.postjobfree.com linkedin.com/in/deb-kraft-39845a14b/

Fraud and Compliance Professional

Highly-skilled, dynamic professional with hard-hitting investigative experience in the financial services field.

Fraud investigation expert with over thirty years of comprehensive experience in the private sector and twelve years of military experience with the US Army and Army National Guard. Successful at every progressive career step and noted for exemplary diligence. Detailed and reliable with a skill set honed by a career's worth of formal and hands-on training. Repeatedly recognized for quality within investigative processes and granted advanced levels of signing authority.

Areas of Expertise

Fraud

Financial Services

Client Relations

Investigation

Underwriting

Customer Service

Analyzing

Secured Loans

Written & Oral Communication

Reporting

Unsecured Loans

Time Management

Professional Experience

Stride Bank, Enid, OK (2022-Present)

Risk/BSA Analyst

I am responsible for the research and investigation of customer and transactional data to determine if suspicious activity or a financial crime is occurring, as well reporting to applicable governmental agencies and law enforcement. These case investigations involve the collection, analysis, and evaluation of information from various sources, the documentation of research findings, and the completion of reports as required by bank regulations. I use analytical and conceptual thinking skills, and I am thorough and detail oriented. I record all findings accurately, in an organized and clear manner.

Wells Fargo, Sioux Falls, SD (2020-2022)

Executive Escalations Case Specialist

I am tasked with responding independently to inquiries and complaints from internal and external customers (including customers, merchants, clients, and bankers), regarding financial products and services. I serve as a direct representative of the Executive Office. Other duties include: • Exception processing of acknowledgment letters conducting investigative steps to identify issues and working with internal partners to resolve. • Identifying trends and providing feedback/reporting to appropriate party. • Uploading of Wells Fargo response to a customer facing Regulatory Portal which requires special handling and/or imaging/uploading documentation to other repositories as required. • Reviewing new correspondence and existing cases to identify related issues. • Establishing case files or redirecting requests to the applicable business group. • Mitigating risk by identifying key information and ensuring compliance guidelines are met; logging requests or complaints reviewing incoming correspondence from customers, attorneys, third parties or regulatory/governmental representatives and other agencies; performing intake to determine appropriate course of action. • Performing research and reviewing existing cases to identify related issues

The Bancorp, Sioux Falls, SD (2018-2020)

Fraud Analyst

Make recommended change requests and escalate change requests of new and existing reports related to the monitoring process as needed by evaluating needs of individual programs as it relates to the detection and prevention of money laundering and fraud. Design, test, and implement fraud reporting and fraud alerts with various systems and raw data to detect money laundering and fraud and to prevent further events from occurring. Facilitates side by side training as needed to ensure that all staff is adequately trained to perform their job functions. Completes and provides proper documentation with respect to monitoring reports. Review alerts from various reports, compare the activity from the generated alert to the activity taking place on the account within various processor systems. Complete Unusual Activity Referral forms and submit them to FCRM. Review accounts within various processor systems and note the accounts accurately with resolution to blocked accounts in accordance with bank procedure. Documents and updates internal procedures.

Citibank, Sioux Falls, SD, (1995-2018)

Fraud Investigator/Assistant Supervisor, 2018

The consumer division of financial services multinational Citigroup, providing credit cards, mortgages, personal loans, commercial loans, and lines of credit through 2,649 branches in 19 countries.

Investigate suspected fraudulent use of credit cards on top-tier and VIP accounts, interviewing individuals involved and coordinating investigations with appropriate law enforcement personnel. Analyze loss trends and make recommendations to prevent further loss. Conduct system testing and auditing of accounts under my supervisory umbrella. Supervise the daily work of XX employees. Recently tasked to help update department procedures and participate in weekly procedure conference calls.

Granted a $50k fraud write-off signing authority.

Earned perfect quality scores.

Awarded Citi Gratitude Bronze Award

Fraud Investigator/Identity Theft Investigator, 2015 - 2018

Conducted thorough identity theft investigations, mining all available sources of information including paper evidence, LexisNexis, signature samples, internet searches, and phone interviews. Made recommendations to management on remedial action. Selected to train new employees on policies and processes due to an advanced understanding of the material.

Awarded the Quality Excellence Award.

Achieved perfect quality scores over a four-year period.

Unsecured Loan Underwriter, 2014 - 2015

Performed a detailed credit analysis of potential borrowers on secured personal loans, unsecured personal loans, custom credit lines, and overdraft protection programs. Reviewed borrower's employment record, income sources and credit report information to determine if financial ratios met the bank's lending standards. Granted $10k signing authority on unsecured loan products.

Fraud Investigator, 1999 - 2014

Applied fraud detection techniques, knowledge of common fraud practices, and expertise with legal and restitution procedures to investigate cases of unauthorized credit card use. Interviewed victims and suspects via telephone and written correspondence. Initiated the involvement of legal authorities where applicable.

Additional fraud, compliance, and customer service experience with Citibank (1995-1999).

US Army, FT Eustis and Virginia Beach, VA (1983-1995)

Personnel Administrative Assistant and Records Specialist

Assisted JAG attorneys with the preparation of wills, powers of attorney and arrest warrants. Maintained personnel, medical, dental and financial records for a unit of over 180 soldiers. Was proficient with all Department of Defense, Army and Virginia National Guard regulations and policies. Advised and assisted with all training issues and submitted military school applications, travel vouchers and orders for training. Received two Army Commendation medals, the Army Service Ribbon, National Defense Service Medal, Army Reserve Components Overseas Training Ribbon, Army Achievement Medal, NCO Professional Development Ribbon and three Good Conduct Medals.

Education

Training & Development

• Underwriting & Processing Training (2014)

• Security Investigations Training (1999, 2004)

• Billing Dispute Training (1996)

• Customer Service Phones Training (1995)

• Primary Leadership Development Course (1992)

• Personnel Retention Coordinator Course (1990)

• Computer Systems Operation Courses (1989,1984)

• Administrative/Personnel Management Specialist Courses (1989, 1983)

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