Risk Management Payment Operations

Chantal Monroi

**************@*****.*** * 347-***-**** * Mastic,NY

PROFESSIONAL SUMMARY

Analytical and detail-oriented professional with extensive experience in financial reconciliation, risk management, and regulatory compliance within payment operations. Proven expertise in overseeing end-to-end payment processes, including managing the settlement lifecycle, safeguarding funds, and ensuring compliance with regulatory requirements. Strong background in incident management, including the identification, investigation, mitigation, and reporting of operational risks. Adept at optimizing operational processes, leading cross-functional teams, and delivering strategic solutions that minimize risk exposure and drive business continuity. Collaborative leader with an ownership mentality, focused on delivering results in high-stakes environments.

PROFESSIONAL EXPERIENCE

Director of Payment Operations

Priority Technology Holdings, Hicksville, NY

2020 – Present

• Risk & Compliance Oversight: Manage the end-to-end payment settlement process, ensuring compliance with financial regulations and internal control procedures. Regularly assess risk exposure related to payment operations and implement effective controls to mitigate operational risks.

• Incident & Loss Management: Lead incident management efforts, investigating operational losses and process errors. Develop risk mitigation strategies, oversee recovery plans, and ensure timely reporting/escalation in line with regulatory and internal guidelines.

• Operational Risk Mitigation: Identify potential risks in payment processes, developing and refining operational procedures to minimize errors and ensure smooth execution of transactions.

• Process Optimization: Drive continuous improvement in payment processes and procedures from inception through full adoption, ensuring operational resilience and risk reduction.

• Stakeholder Engagement: Collaborate with internal and external stakeholders, including regulatory bodies, to ensure alignment with regulatory changes and market requirements.

Settlement Analyst

Priority Payments, Hicksville, NY

2017 – 2020

• Settlement Risk Management: Managed the complete clearing and settlement process, ensuring timely and accurate market settlement of securities and cash transfers. Proactively identified risks in settlement timelines and funding discrepancies, working closely with clearing houses and stakeholders to resolve issues.

• Operational Efficiency: Coordinated pre-matching and confirmation, cash transfer, and instruction routing to ensure all transactions were compliant with market standards, while closely monitoring settlement deadlines to prevent errors and failures.

• Revenue & Expense Validation: Monitored revenue and expense reconciliation, identifying discrepancies and mitigating risk associated with financial misstatements or unaccounted items.

• Fails Management: Implemented fail management processes, including investigating trade failures, mitigating associated risks, and ensuring proper reporting in compliance with industry standards.

Treasury Associate

Capital One Bank, Lindenhurst-Babylon, NY

2015 – 2017

• Compliance & Risk Adherence: Ensured strict adherence to banking procedures and dual-control security protocols to minimize risk related to cash handling, fraud, and financial discrepancies.

• Customer Risk Assessment: Cross-sold bank products while assessing customer needs and potential risks related to financial products and services.

• Audit & Reporting: Assisted in the auditing of teller transactions and customer accounts to ensure compliance with regulatory standards, reducing the risk of financial errors and maintaining operational integrity.

Client Experience

USTA, Flushing Meadows-Corona Park, NY

2010 – 2015

• Service Quality Risk Management: Managed customer service operations with a focus on quality control and adherence to company policies, identifying risks in service delivery and developing strategies to mitigate potential customer dissatisfaction or operational inefficiencies.

• Training & Compliance: Provided mentorship and training to customer service representatives, ensuring they adhered to organizational standards and regulatory requirements, reducing service-related risks and improving customer satisfaction.

Sales & Marketing Liaison

Affinity Health Plan, Bronx, NY

2004 – 2005

• Market Risk Analysis: Conducted market research and analysis to identify trends, competitive risks, and customer needs. Developed strategies to minimize market exposure and optimize outreach efforts based on data insights.

EDUCATION

Bachelor of Arts in Elementary Education

University of Miami, Coral Gables, FL 2001

Computer System Management

Tech Train USA, Sunrise, FL

KEY SKILLS

• Risk Management: Risk identification, assessment, mitigation, and reporting; Regulatory compliance

• Incident Management: Root cause analysis, recovery planning, loss mitigation

• Operational Oversight: Payment processing, reconciliation, settlement, and operational audits

• Process Improvement: Streamlining workflows, optimizing systems for risk reduction

• Financial Reconciliation: Reconciliation of revenues/expenses, transaction validation, account discrepancies

• Stakeholder Management: Cross-functional team leadership, vendor and client collaboration

• Regulatory Compliance: Familiarity with industry regulations (e.g., PCI DSS, SOX, FCPA)

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