Fraud Operations & Risk Operations Analyst

NIKOLE MORGAN

Charlotte, NC 704-***-**** ************.**@*****.***

FRAUD OPERATIONS RISK OPERATIONS FRAUD ANALYSIS PROCESS IMPROVEMENT

PROFESSIONAL SUMMARY

Detail-oriented Fraud Operations professional with 10+ years of experience supporting financial services, healthcare operations, and regulated environments. Experienced in fraud investigations, transaction analysis, risk assessment support, loss prevention, case management, compliance support, and operational controls. Skilled in analyzing account activity, identifying discrepancies, maintaining data integrity, and managing sensitive information within high- volume environments. Combines banking operations expertise with entrepreneurial leadership, bringing strong problem-solving skills, process improvement experience, and the ability to manage complex priorities independently.

CORE SKILLS

Fraud Operations • Financial Services Operations • Fraud Analysis • Transaction Analysis • Loss Prevention • Risk Assessment Support • Fraud Claims Processing • Case Management • Dispute Resolution • Compliance Support • Operational Controls • Quality Assurance • Process Improvement • Documentation Management • Data Accuracy • Microsoft Excel • CRM Systems

• Case Management Systems • Electronic Records Management • Google Workspace PROFESSIONAL EXPERIENCE

Fraud Operations Associate (Remote)

U.S. Bank 2021 – 2024

• Managed a high-volume portfolio of debit and credit card fraud claims, reviewing 40+ cases daily while maintaining accuracy, compliance, and quality standards.

• Analyzed transaction activity, account behavior, and supporting documentation to identify fraud indicators, evaluate risk factors, and support accurate claim resolution outcomes.

• Performed investigative case reviews by analyzing transaction patterns, account information, and customer documentation while following banking procedures and risk controls.

• Maintained detailed case documentation within internal systems to support accurate records, regulatory requirements, and audit readiness.

• Consistently met or exceeded productivity, accuracy, and quality expectations while managing competing priorities, navigating multiple systems, and protecting confidential financial information in a remote environment.

Founder & Operations Manager

My Wax Girl Charlotte, NC 2023 – Present

• Manage end-to-end business operations, including workflow design, financial processes, scheduling systems, customer data management, and administrative operations.

• Develop and implement operational processes that improve efficiency, organization, and consistency across daily business functions.

• Maintain secure customer records and accurate documentation while protecting confidential client information.

• Independently manage multiple business functions requiring problem-solving, financial responsibility, decision-making, and operational execution. Member Services Specialist (Remote)

Express Scripts 2014 – 2016

• Researched healthcare account information, reviewed documentation, and resolved member issues while maintaining accurate electronic records.

• Supported HIPAA-compliant healthcare operations by protecting confidential information and coordinating with internal teams to resolve discrepancies. Pharmacy Data Entry Specialist

Humana Mail Order Pharmacy Cincinnati, OH 2010 – 2011

• Processed and verified prescription, insurance, and patient information in a high-volume healthcare environment.

• Maintained accurate electronic records while supporting quality, compliance, and timely processing.

Additional Operations & Client Services Experience Hello Sugar European Wax Center Blue Plastic Surgery Hospitality Operations 2016 – 2023

• Supported daily operations through scheduling, documentation, payment processing, client communication, and administrative coordination.

• Managed fast-paced environments requiring accuracy, organization, problem-solving, and strong client relationship skills.

EDUCATION

Southern New Hampshire University

Bachelor’s Degree Program In Progress

Aveda Institute

Licensed Esthetician

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