Risk Analyst Management

**** ****** ***. # *** ****** Park, Ca. *****

Cell 818-***-****. / ******.********@*****.***

Marissa Esquillo

Objective: To obtain a position in bankcard, risk management, or any related position at a growing company where advancement is possible.

Work Experience: 2013- 2024- Signature Card Services, Burbank Ca. Senior Risk Analyst

• Monitor Merchant daily activities for potential Visa/ Mastercard fraud, violations and excessive Chargebacks on FDR and TSYS flat forms.

• Verified transactions between the Banks, Cardholders and Merchant.

• In charge of reviewing and processing Retrieval, Pre-arbitration, Discover Chargebacks, ACH rejects over $1K, and Collections.

• In charge of processing MRT’s and Reserves reports.

• In charge of processing MATCH and QMAF reports for closed merchant accounts.

• In charge of handling VIP’s merchant related to Risk and Chargeback issues.

• Responsible for reviewing Merchants business financials requirements for monthly volume Increase.

• Educate merchants about Visa/ Mastercard regulations and provide general information.

• Keep the flow of open communication with CSR and Managers. 2008- 2012- Bread of Life Asian Ministries, Sunland, Ca. Church Administrator and Director

• Manages the business affairs of the church and works with members of the congregation and the church staff to achieve the organization's mission.

• Assists the pastor in scheduling, correspondence and other types of communication.

• In charge of developing personnel policies of the Church.

• Maintain office data such as meeting minutes and reports.

• Assist in facilitating the Vision of the Church. 2005-2008- IPayment, Inc-Calabasas, Ca.

Chargeback Lead

• In charge of reviewing and processing incoming and outgoing Pre-arbitration and Compliance as well incoming visa and master card ROL.

• In charge of reviewing and approving over $500.00 incoming rebuttals for potential representment.

• Knowledge of processing Retrieval, OMH and OCH as well as Incoming and outgoing good faith.

• Educate co-workers and merchants policies as well as visa and master card regulations.

• In charge of processing credit reversal as well as clearing sd-501.

• Keep the flow of open communication with CSR and Managers. 2004-2005- Innovative Merchant Solutions- Calabasas, Ca. Risk Analyst

• Review and monitors daily activities of merchant accounts and coordinates transaction verification with merchants, banks and cardholders. 2002-2004- IPayment, Inc- Calabasas, Ca.

Risk Management

• Monitor daily activities of merchant accounts for potential chargeback or fraud.• Verified transaction between the banks, cardholders and merchant.

• Educate merchants about Visa/ Mastercard regulations and provide general information. 2000-2002- Processing Source International- Woodland Hills, Ca. Assistant Director of Account Administrative

• Provide administrative duties for the customer care department.

• Analyze new account applications for approval based on type of business.

• Complete knowledge of FDR platform.

• Assisted and educate ISO/ merchant on risk/chargeback issue.

• Ability to handle multiple tasks.

1998-2000- Superior Bankcard/ Nova - Woodland Hills, Ca Customer Service/ Chargeback Representative.

• Offered assistance to our merchants with all accounting questions.

• Offered technical support to all merchants with various credit card terminals.

• Educate merchants with policies as well as VS/MC rules and regulations.

• Organize all incoming and outgoing merchant disputes. Process and clear all incoming chargeback to our merchant.

• Handle all incoming compliance and arbitration cases by following VS/MC regulations. Education:

Bachelor of Science/ Human Development concentrating in Counseling 2017 Hope International University Fullerton, CA

Reference upon request.

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