Fraud & Risk Operations Specialist

BARBARA PERKINS

972-***-**** • *********@*****.*** • Dallas, TX

Summary

Professional Risk operations with 8+ years of experience in fraud investigations, risk mitigation, and transaction monitoring in financial services. Strong record of detecting suspicious activity, performing merchant account analysis, and maintaining operational compliance in high-volume payment environments. Skilled in queue management and preparing technical documentation for complex QC reviews to support secure operations and reduce credit losses.

Work Experience

SR AML Investigator December 2025 – January 2026

HURON - CITIZENS BANK, DALLAS, TX

Investigated and reduced fraud losses in high-volume queues, focusing on red flag referrals, check verification, and high-risk endorsements to support secure operations.

Supported senior fraud investigators with in-depth case research, evidence collection, and forensic analysis to identify emerging fraud trends.

Compiled and retrieved key data to prepare investigative documentation for high-risk transaction cases.

Trained new analysts at a senior level.

Identified fraudulent new-account activity by monitoring daily reports and using internal resources to gather forensic evidence.

QC-CDD/EDD January 2024 – October 2025

JEFFFERSONWELLS - CUSTOMER BANK, DALLAS, TX

Performed comprehensively enhanced due diligence (EDD) and merchant account analysis for high-risk business lines and consumer banking clients.

Improved EDD procedures to speed client onboarding while maintaining strict operational compliance.

Assessed risk and recommended customer retention or account closure for complex entities, including MSBs, Auto Loans, NBFIs, and EB-5 cases.

Used Verafin to conduct detailed risk analysis and assign accurate risk ratings across merchant and consumer portfolios.

Senior QC December 2023 – December 2024

TRELIANT – STELLER BANK, DALLAS, TX

Reviewed transaction monitoring alerts against customer profiles to determine whether deeper risk-based analysis was needed.

Supported QA AML management with regular feedback and detailed reporting on quality reviews and risk mitigation efforts.

Analyzed AML error trends to improve investigation accuracy and increase SAR reporting efficiency.

Reduced operational risk by performing thorough regression and end-to-end testing on financial web applications.

QC Analyst November 2022 – October 2023

DEXIAN – US BANK, DALLAS, TX

Analyzed fraud trends and recommended actions to reduce losses across digital payment platforms.

Flagged accounts for review in Verafin and monitored P2P, BillPay, and Western Union systems for suspicious activity.

Maintained operational compliance by submitting CTRs and SARs to FinCEN on time and in accordance with regulations.

Audited case investigations across multiple systems to identify unusual activity and potential fraud clusters.

Senior QC EDD/KYC August 2021 – October 2022

DIGITAL RISK – WELLS FARGO, DALLAS, TX

Reduced risk by conducting third-party due diligence assessments, including risk scoring and negative media screening.

Ensured adherence to internal KYC program policies and AML procedures.

Identified high-risk individuals through sanctions, PEP, and adverse media screening to support safe operations.

Audited customer records and supporting documentation within required timelines.

Managed the third-party risk register, maintaining risk scores and due diligence records for audit readiness.

Supported due diligence processes for medium- and high-risk third parties to help protect the organization from credit losses.

Performed quality control reviews of KYC periodic reviews and CIP customer information.

Reviewed KYC folders and customer profiles for completeness, accuracy, and adequacy.

Reviewed Customer Identification Program (CIP) and due diligence (DD/EDD) documentation for completeness and accuracy.

Compliance Due Diligence Specialists June 2019 – August 2020

ROSE INTERNATIONAL – TRUSIT BANK, DALLAS, TX

Reviewed system-generated alerts to identify potential illicit activity in accordance with BSA/AML requirements.

Audited high-volume transactions, including wires, ACH, and credit card activity, to identify money laundering red flags.

Screened entities against OFAC sanctions lists and reviewed MSBs through FinCEN portals to support payment processing safety.

Prepared accurate documentation and SARs for FinCEN submission based on identified financial risks.

QA/Team Leader December 2018 – May 2019

SUPERIOR STAFFING – HSBC, DALLAS, TX

Managed completion of CIP, CDD, and OFAC screening requirements for complex KYC customer profiles.

Reviewed due diligence documentation and merchant-style memos to support efficient, secure client onboarding.

Led name-screening efforts across PEP, watchlist, and negative news sources to reduce onboarding risk.

Completed EDD reviews and prepared comprehensive risk memos for leadership.

SR QC Credit Card Fraud January 2017 – November 2018

ROBERT HALF - DISCOVER FINANCIAL, DALLAS, TX

Reduced losses by establishing fraud-prevention rules and guiding strategic changes to the card assets payment portfolio.

Ensured card payment disputes and transactions were processed in compliance with regulatory requirements, including Regulation E.

Led investigations of Visa Compromised Account Management Systems (CAMS) alerts to protect the payment portfolio.

Supported the risk team with detailed analysis and reporting on fraud prevention and transaction trends.

Education

High School Diploma

South Oak Cliff, Dallas, TX

Additional Skills

Fraud & Risk Expertise: Fraud investigation, risk mitigation, merchant account analysis, transaction monitoring, and fraud detection and prevention across credit cards, checks, commercial loans, auto loan, bank loans; wealth management; operational compliance; risk analysis and management.

Regulatory & AML Compliance: Bank Secrecy Act (BSA), Know Your Customer (KYC), Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), Customer Identification Program (CIP), Office of Foreign Assets Control (OFAC), Politically Exposed Persons (PEP), Suspicious Activity Reports (SARs), Currency Transaction Reports (CTRs), Financial Action Task Force (FATF), and Office of the Comptroller of the Currency (OCC).

Tools & Platforms: Verafin, LexisNexis, payment processing systems, merchant services portals, Microsoft Excel, Microsoft Access, Microsoft Word, and Outlook.

Domain Knowledge: eCommerce, payments, data analysis, forensic research, transaction analysis, and red flag alert monitoring.

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