Credit Risk Management

Nathan Tieu **********@*****.*** 510-***-**** LinkedIn

Summary: Risk management and fraud prevention professional with 5+ years of experience in fintech and proptech sectors. Specializes in credit risk assessment, fraud detection, and regulatory compliance

(KYC, BSA, and AML). Adept at developing policies, optimizing workflows, and leveraging data analysis to enhance risk management. Strong leadership experience in mentoring teams, implementing strategic solutions, and improving operational efficiency. Risk & Fraud Prevention: Credit Risk Fraud Ring Detection AML & BSA Compliance SAR Reporting KYC & Due Diligence Risk Management and Assessment Operations & Leadership: Training & Development Team Supervision Cross-Functional Collaboration Quality Assurance Mentoring

Experience:

Divvy Homes – San Francisco, CA

Credit Associate Specialist (Jun. 2022 - Nov. 2023)

Onboarded and trained 3+ new hires on Divvy’s credit policies and procedures, ensuring seamless integration and reducing onboarding time by 20%

Developed and implemented credit policies and procedures to enhance risk management and streamline processes, reducing errors within the team

Collaborated with product and sales teams to optimize credit approval processes, enhancing user experience and boosting our company’s CSAT score

Organized and led weekly and monthly cross-functional meetings, ensuring agenda prioritization, stakeholder alignment, and timely project completion

Supervised and mentored 3 contractors, ensuring adherence to company policies and enhancing team productivity

Credit Associate (Feb. 2021 - Jun. 2022)

Managed a team-based pipeline and processed over 1,000 applications, ensuring compliance with internal program requirements

Conducted thorough income verification, credit assessments, and background checks, ensuring 100% accuracy for initial and final underwriting decisions

Processed high-volume Non-QM loans, ensuring risk assessment accuracy and maintaining top performance metrics in a fast-paced lending environment Lending Club – San Francisco, CA

Senior Enterprise Fraud Specialist (Oct. 2019 - Feb. 2020)

Analyzed high-risk loans using SQL and Excel, proactively identifying and preventing $100K+ in fraudulent activity

Tested a new proprietary fraud prevention tool, contributing to a 15% increase in fraud detection efficiency

Assessed and validated third-party vendor fraud detection models, ensuring alignment with synthetic fraud detection best practices

Compiled and presented weekly fraud incident reports to senior leadership, providing data- driven insights that influenced strategic risk mitigation decisions Senior Fraud Specialist (Sept. 2018 - Oct. 2019)

Trained and mentored 3-4 fraud specialists to detect fraud rings, improving team knowledge and productivity

Ensured compliance with the Bank Secrecy Act by submitting more than 50 missed Suspicious Activity Reports (SAR)

Fraud Specialist (Oct. 2017 - Sept. 2018)

Managed a personal pipeline and processed 30+ high-risk loans daily (3x the required quota)

Reviewed and verified 100+ financial documents (pay stubs, W2s, tax returns, bank statements) to detect fraudulent activity

Provided fraud victims with guidance on recovery steps, enhancing trust and security for affected individuals

Credit Specialist (Aug. 2017 - Oct. 2017)

Conducted high-quality underwriting of $1K–$40K personal loans, ensuring fast and compliant approvals

Collaborated with Member Support and Underwriting teams to assess loan eligibility and enhance risk evaluation processes

Member Support (Sept. 2016 - Aug. 2017)

Assisted customers via phone with loan status inquiries, website navigation, and account issue resolution

Worked in a CSAT-driven environment, consistently improving customer relations through effective problem-solving

Education: University of California, Santa Cruz Bachelor of Arts in Sociology (2016) Certifications: Zendesk Customer Service Professional Certificate Tools & Technologies: Zendesk Hubspot Confluence JIRA LexisNexis Excel Fraud Detection Tools Plaid

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