Wells Fargo Fraud Detection
Resume:
Carter, Rebecca
****************@*****.***
**** ********** ***., *** ******, IA 50311
Objectives
To advance in the field of Financial Crimes Investigations, with AML fraud detection and regulatory/internal policy compliance.
Summary
●6 years fraud experience at Wells Fargo as Fraud and Claims Specialist, 3 years remote small team fraud environment connected through Microsoft Teams, in a role dependent upon the protection of sensitive and confidential information.
●Adept at Regulatory filing of UAR/AML reports, and mandatory revolving Employee Financial Crimes training to satisfy internal policy and external regulations based upon case findings: identity, and transaction research/Fraud detection.
●Experienced with internal policy referrals for reporting potential ATO, AML, Fraud Ring activity, Elder Abuse, Identity Theft, and other specialized fraud trends.
●Internal mining of client accounts to discover fraud ring relationships, and placement of relevant holds.
●Regular achiever in “high dollar saves” (avg. $100,000/case) identification for decision accuracy leading to fraud account and device closure, pledged checks, from in-depth, accurate research to prove likelihood of loss/risk to bank.
Education
University of New Haven
2022 MS Investigations
University of New Haven
2022 Compliance Investigations Graduate Certificate
Columbia College
2017 BS Business
Columbia College
2017 BA Criminal Justice Administration
Skills
●Seeks CFE designation through the Association of Certified Fraud Examiners.
●Seeks CAMS designation through the Association of Certified Anti Money Laundering Specialists.
●Proficient in IBM and Apple, Google, and Office Suite programs, Lexis Nexis, public record data mining, and 25+ internal systems to Wells Fargo for research to determine risk and justify legally binding case notes, and subject to review by internal partners.
●Formal graduate level training in expert witness testimony, and investigative interview techniques.
●Expert Online activity analysis of IP, agent, device, timestamp, geographic and demographic information to determine fraud risk explain suspicious account activity and customer relationships.
●Graduate course in International and Transnational Fraud.
Professional Experience
Fraud & Claims Operations Representative ll, New Account Originations, SIU Business Identity Theft, August 2021 – September 2024
Wells Fargo Financial Remote, Local office: 800 S Jordan Creek Pkwy, West Des Moines, IA
●One of four remote teams dedicated to combat the fast-changing fraud trends in new account originations.
●Expertise in case management and referrals for transactional analysis and identity verification, to establish legal justification for personal and business banking relationship closure.
●Proficient with toolbox of upward of 50 kinds of account holds.
●One of several founding members (Subject Matter Expert) transferred in 2024 to the business account relationship review team within Originations, contributing to the development of working procedures to support high decision accuracy, and training new hires to become familiar with these best practices, “Business Entity Identity Theft” fraud.
●Flexible and timely response working individually and within small specialty teams to respond to current, critical fraud threats for loss mitigation: analytics testing focus groups, and Merchant Services Referrals, cross-training within Return Items Investigations and First Party Fraud for flex against critical events.
●Demanding metrics, score meets to consistently exceeds.
Fraud & Claims Operations Representative ll, Credit and Debit Card Fraud, April 2018 – August 2021
Wells Fargo Financial 7000 Vista Drive, West Des Moines, IA
●Call center representative in the Debit and Credit Card Fraud Detection. Performed case review and transactional analysis to mitigate fraud loss from detecting stolen cards, Card Not Present Fraud, Identity Theft, ATO, Cryptocurrency, Money Laundering and Elder Financial Abuse. Serviced inbound calls from clients reporting fraud, initiated fraud claims, performed transaction verification, and placed transfers to disputes when appropriate.
Data entry and Imaging Clerk Spring 2018 Tax season
Iowa Department of Revenue 1305 E Walnut St Fourth Floor, 0107, Des Moines, IA 50319
●Processed tax forms in the mail room (sorting) and entering those tax forms into the IDR’s online data system (data entry)
Assistant Manager 2006-2007
Subway University of Missouri Campus location, now closed, Columbia, Missouri
●Supervised the night shift in the 2nd busiest Subway in the world, on the Uni of Missouri campus. In charge of general work flow, employee relations, inventory, training.
General Manager 2003-2005
9th Street Deli Now closed, Columbia, Missouri
●Under a silent owner, responsible for every aspect of running a successful, historic deli in Downtown Columbia, MO. Payroll, hiring/firing, inventory, kitchen, customer service.
Merits & Awards
·Recognized for High Dollar saves in Month of June, 2024, Originations Department, Wells Fargo.
·Spring 2024, Recipient of Commission: Wells Fargo.
·Nov 2020 -Feb 2021, Wells Fargo Fraud Detection, TOP Dollars - Truly Outstanding Performance Award Recognition Program
· March 2020, Wells Fargo Fraud Detection, TOP Dollars - Truly Outstanding Performance Award Recognition Program
· December 2019 - January 2020, Wells Fargo Fraud Detection, TOP Dollars - Truly Outstanding Performance Award Recognition Program, Gold Tier, Wells Fargo Fraud Detection Department Stat Ranking
· Oct- November 2019, Silver Tier, Wells Fargo Fraud Detection Department Stat Ranking, Wells Fargo Fraud Department Leaderboard, Decision Accuracy 93.12%, #1 out of 250 in Department
· September 2019, Gold Tier, Wells Fargo Fraud Department Stat Ranking
· April-May 2019, Top Performer, Wells Fargo Fraud Detection, Team Award
· January 2019, Top Performer, Wells Fargo Fraud Detection, Team Award
· December 2018, Top Performer, Wells Fargo Fraud Detection, Team Award
· Columbia College Scholarship, 2016
· Iowa Access Grant, 2013
· Missouri Access Grant, 2013
· Dean’s List, 2004-2012, 2015, Columbia College
· The President’s List, 2004, Columbia College
· Community College Scholarship, 2004, Columbia College
· National Dean’s List, 2001-2003, Columbia College
· Collegiate All-American Scholar, Rogers State University, 2003
· Academic Merit Scholarship, 2001-2003
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