Sr Fraud Risk and Enterprise Specialist

TRACY mrstracyannedwards@EDWARDS gmail.com 951-***-**** Orange, CA

PROFESSIONAL SKILLS SOFTWARES

Microsoft Office Suite

Lexis Nexis - Background Verification Checks

Verafin – Fraud Case Management System

Sharepoint – Used for Fraud Case Management

Navigator – Teller System

Horizon XE – Teller System

Falcon Fraud–Debit Card Monitoring System

OASIS – Check Fraud Detection System

Premier IQ – Archer

15 Years of Fraud Prevention & Risk Management

Detection and investigation of monetary crimes

Expertise in check fraud & scam detection

Compliance & regulatory knowledge

Expert in suspected financial adult and elder abuse Training & Leadership

Staff training & development

Communication

Customer Service & Client Relations

30 years of direct customer service experience

Act as a second line of defense against risk-related fraud incidents Review and mitigate up to 100 cases of suspected, attempted, and confirmed fraud weekly Escalate up to 75 fraud-related incidents weekly—including internal fraud, Check/ACH fraud, wire fraud

(Business Email Compromise), elder abuse, and identity theft—to the BSA team for regulatory reporting Assess customer account history to evaluate and determine the risk of maintaining account relationships, including submitting mandatory account closure requests when required Prepare and deliver weekly, bi-weekly, monthly, quarterly, and annual reports on major fraud incidents, presenting detailed analysis and root causes to executive management Perform root cause analysis for large fraud case submissions entered into Premier IQ (Archer) to identify and address instances of potential procedural gaps with bank-wide departments Collaborate with internal departments to identify gaps in policies and procedures, providing recommendations based on thorough review and analysis Assist with performing annual Fraud Risk Assessments related to Internal, Commercial Loan, Trust, Wire, Check, and ACH fraud, and Elder Abuse

Developed and delivered monthly training presentations on Check Fraud, Identity Theft, and Elder Abuse for branch management and support staff

Reviewed and accepted or rejected over 100 checks daily as the First Line of Defense for the bank's Loss Prevention and Recovery Team

Provide hands-on training to new Fraud Risk Analysts Conducted interviews with collection agencies and assisted in developing an internal collection process for charged-off business and consumer accounts

PROFESSIONAL EXPERIENCE

Pacific Premier Bank, Irvine, CA Oct 2023 – Feb 2025 Senior Enterprise Fraud Risk Analyst

Banc of California, Irvine CA

Senior Fraud Risk Analyst/BSA

Sep 2015 – Feb 2023

Manage day-to-day operations of the Fraud Risk Management Program Mitigate or escalate daily Unusual Activity Reports (UARs) related to fraudulent checks, ACH, wire, and Business email compromise (BEC) transactions

Participate as a member of the Fraud Response Team for high-risk fraud cases Collaborate with internal departments to assess risk and mitigate gaps in processes and procedures Served as the bank’s sole point of contact and resource for suspected financial and adult elder abuse Review and process subpoena requests received by various law enforcement agencies Provide in-depth accounting of investigations and submit daily/weekly updates to management Review banking and mortgage documents to ensure documents are factual Perform verification of deposit, employment, and occupancy for mortgage loan applications TRACY mrstracyannedwards@EDWARDS gmail.com 951-***-**** Orange, CA Self-report fraud identified to mortgage investors Create monthly and quarterly risk assessments and provide detailed results to upper management Provide instruction and training to retail branches regarding mandatory account closures, restrictions, and training of suspected financial and adult elder abuse Liaison between internal/external clients and business units to ensure robust, complete investigations Provide hands-on training to new Fraud Risk analysts Mitigate BSA Fraud Investigation Unit (FIU) alerts and escalate for potential SAR filing Maintain a high level of privacy and security while performing investigations CERTIFICATIONS

CFI (Certified Fraud Investigator) with California Financial Crimes Investigators Association since 2018 Co-Op Financial Services, Rancho Cucamonga, CA Nov 2007 – Feb 2015 Fraud Services Supervisor from April 2012 – February 2015 Fraud Analyst II/ Lead Trainer from November 2009 - April 2012 Fraud Analyst I/ Primary Trainer from November 2007 - November 2009

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