Fraud & Risk Analyst - Card Payments Specialist

Matthew Olivarez

Los Angeles, CA 949-***-**** *****************@*****.***

Fraud and Risk Analyst Card Fraud E-commerce Chargebacks Fraud and risk analyst with deep experience in card fraud, e-commerce fraud, transaction investigations, and chargebacks. Known for digging beyond surface-level data to identify patterns, validate claims, and uncover risk across high-volume payment environments. Strong track record of preventing loss, improving workflows, and identifying issues others miss.

Professional Experience

Cash Receipts / Live Checks Specialist Lewis Brisbois Sep 2025 to Present

• Investigate payment discrepancies and exceptions impacting client accounts.

• Perform transaction review and reconciliation to ensure accuracy and compliance with internal controls.

• Analyze irregularities across billing systems and document findings and resolution steps.

• Maintain structured tracking and documentation to support auditability and financial integrity. Risk Analyst II, Fraud Investigation Team Intuit Jul 2022 to Jul 2023

• Investigated card-not-present and e-commerce fraud across small business accounts.

• Conducted research on merchants and account owners to identify risk beyond transaction-level activity.

• Flagged businesses misrepresenting operations or operating under false fronts, preventing exposure to high-risk activity.

• Connected transaction behavior with external data to uncover inconsistencies requiring escalation.

• Supported chargeback investigations and ensured alignment with card network rules.

• Improved workflows, reducing case handling time by 35 to 50 percent. Risk Analyst II Sightline Payments Jun 2021 to Feb 2022

• Designed and documented a chargeback process covering investigation steps, evidence requirements, and compliance standards.

• Partnered with engineering and operations to align fraud detection logic with dispute workflows. Risk Analyst II Blackhawk Network Aug 2017 to Apr 2021

• Investigated card fraud across digital gift card and prepaid channels, often working with limited data to determine claim validity.

• Reconstructed transaction activity across systems to assess whether reported fraud aligned with actual behavior.

• Identified inconsistencies in customer information and external data, preventing high-value fraudulent claims.

• Escalated complex, high-dollar cases involving multi-account activity.

• Processed over 1,300 cases per month while maintaining investigative accuracy.

• Contributed to over $2M in fraud prevention.

Internal Auditor People’s Choice Home Loans Jan 2004 to Apr 2008

• Conducted internal audits and investigated fraud across lending and customer service operations.

• Reviewed documentation and controls to identify compliance gaps and risk exposure. Technical Skills

Card fraud investigations, e-commerce fraud, chargebacks and disputes, transaction monitoring, fraud pattern analysis, Excel, LexisNexis, NICE tools, KYC and KYB. Education

DAEL Certification - Career Development Solutions, Burbank CA (2024)

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